Cheaper 2006 Chrysler PT Cruiser Insurance Quotes

Want cheaper insurance coverage rates for your Chrysler PT Cruiser? No one rejoices having to buy insurance coverage, in particular when they could get a better deal.

Insurance companies such as Allstate, Progressive and Geico continually bombard you with TV and radio ads and it is difficult to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.

If you currently have car insurance, you should be able to lower your premiums substantially using this information. Buying car insurance is quite easy. Although consumers need to learn the way companies price online insurance and use this information to your advantage.

How much does auto insurance cost?

When comparison shopping, there are several ways to compare rate quotes from different insurance companies. The easiest way to compare rates is simply to get online rate quotes. This can be done in a couple of different ways.

Experts agree that the best way to find the lowest comparison rates would be an industry-wide quote request form click here to open form in new window. This method eliminates the need for separate quotation requests for each price estimate. One simple form will get you rate comparisons direct from many companies.

A less efficient way to get comparison quotes is going to each company website and fill out a new quote form. For example, we’ll assume you want to compare Auto-Owners, State Farm and American Family. You would have to visit each site to input your insurance information, which explains why we recommend starting with the first method. To view a list of companies in your area, click here.

The least efficient method to compare price estimates is to spend your day driving to and from local insurance agencies. Comparing online rate quotes has reduced the need for local agents unless you’re the type of person who wants the guidance that only a licensed agent can provide. It is possible to get the lowest quotes online and have a local agent actually service the policy.

The method you choose is up to you, but ensure you’re using equivalent coverage limits for each quote you get. If you have mixed coverages then you won’t be able to decipher which rate is best. Even a minor difference in limits could mean much higher rates. And when comparing auto insurance rates, know that comparing all the rates in your area will increase your chances of finding the best price.

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Lower-cost insurance coverage quotes with discounts

Some providers don’t always publicize every available discount very well, so the following is a list of both the well known as well as some of the hidden credits available to bring down your rates.

• Driver Training Discounts – Taking part in a course teaching defensive driver skills could earn you a small percentage discount if your company offers it.
• Seat Belts Save – Buckling up and requiring all passengers to buckle up can save up to 15% on medical payment and PIP coverage.
• Renewal Discounts – A few insurance coverage companies offer discounts for renewing your policy prior to the expiration date on your current policy. You could save around 10% when you buy insurance online.
• Claim-Free Discount – Insureds who avoid accidents and claims can earn big discounts in comparison to frequent claim filers.
• Anti-lock Brake System – Cars with ABS and/or traction control are safer to drive and earn discounts up to 10%.
• Drive Safe and Save – Insureds who avoid accidents could pay up to 40% less on PT Cruiser insurance compared to rates paid by drivers with frequent claims.

Just know that most credits do not apply the the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So when it seems like all the discounts add up to a free policy, you’re out of luck.

Companies and their offered discounts can be read below.

• Geico may have discounts that include driver training, daytime running lights, anti-theft, anti-lock brakes, air bags, and federal employee.
• MetLife may include discounts for good driver, defensive driver, accident-free, good student, multi-policy, claim-free
• State Farm offers premium reductions for accident-free, multiple autos, Steer Clear safe driver discount, defensive driving training, good driver, and Drive Safe & Save.
• Progressive policyholders can earn discounts including continuous coverage, multi-vehicle, multi-policy, homeowner, and online signing.
• Mercury Insurance has discounts for type of vehicle, professional/association, multi-policy, good driver, and multi-car.
• 21st Century includes discounts for 55 and older, air bags, homeowners, early bird, student driver, anti-lock brakes, and theft prevention.
• Allstate discounts include auto/life discount, multi-policy, good payer, utility vehicle, early signing, and good student.

Double check with each company or agent which credits you are entitled to. A few discounts may not apply everywhere. To see a list of insurers who offer discounts, click here.

Tailor your car insurance coverage to you

When it comes to choosing coverage, there really is not a perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if you may require specific advice.

• How many claims can I have before being cancelled?
• Does my policy cover my teen driver if they drive my company car?
• Does my personal policy cover me when driving out-of-state?
• When should I remove comp and collision on my 2006 Chrysler PT Cruiser?
• I have health insurance so do I need medical payments coverage?
• Is my 2006 Chrysler PT Cruiser covered for smoke damage?
• Can I drive in Mexico and have coverage?
• Where can I find high-risk insurance?
• Can I get a multi-policy discount?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area.

Six factors that influence insurance costs

It’s important that you understand some of the elements that are used to determine the level of your policy premiums. When consumers understand what determines base rates, this enables you to make decisions that will entitle you to lower premium levels.

The list below includes some of the things companies use to determine your premiums.

• Get married and pay less – Having a spouse may earn you lower rates when buying auto insurance. Having a spouse may mean you are more stable financially and it’s statistically proven that married drivers get in fewer accidents.
• Don’t buy extra coverages that may not be needed – There are quite a few extra bells and whistles you can purchase on your auto insurance policy. Things like rental car coverage, high-cost glass coverage, and term life insurance may not be needed and are just wasting money. They may seem good when you first buy your policy, but now you might not need them so get rid of them and save.
• Combine home and auto and save – Lots of auto insurance companies will award a discount to customers that have more than one policy, otherwise known as a multi-policy discount. Even though this discount sounds good, consumers should still compare rates to ensure the best deal.
• Driving citations increase costs – Being a careful driver has a huge affect on how much you pay. Even one speeding ticket can increase rates twenty percent or more. Attentive drivers have lower premiums as compared to careless drivers. Drivers who get severe violations such as DUI or reckless driving might be required by their state to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
• Higher premiums for coverage lapses – Letting your insurance expire is a quick way to pay more for auto insurance. Not only will you pay higher rates, failure to provide proof of insurance may earn you a revoked license or a big fine. You may have to prove you have insurance by filing a SR-22 with your state DMV.
• Higher comp and collision deductibles save money – Physical damage insurance, also called comprehensive and collision insurance, covers your vehicle from damage. A few examples of covered claims could be a dented fender, damage from fire, and rolling your vehicle. The deductibles you choose are how much you are willing to pay out-of-pocket if a covered claim is submitted. The more money you have to pay, the lower your rates will be on PT Cruiser insurance.

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Auto insurance myths debunked

Companies like Progressive, Geico, Allstate and State Farm constantly bombard you with television and radio advertisements. All the companies make the point that drivers will save a bundle if you switch your auto insurance coverage to their company. How do they all have lower policy pricing? Here is how they do it.

Many companies look for specific characteristics for the type of driver that earns them the most money. One example of a desirable risk may need to be between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. Someone who meets those qualifications will get a cheap rate quote and have a good chance to pay quite a bit less when switching companies.

Drivers who fall outside this ideal profile will be charged a higher rate which leads to the customer not purchasing. If you listen closely, the ads state “drivers who switch” but not “everyone who gets a quote” save that much. That’s the way companies can make those claims.

Each company has different criteria, so drivers should compare as many free insurance quotes as you can. It is just not possible to predict the company that will give you lower prices than your current company.

Car insurance coverages for a 2006 Chrysler PT Cruiser

Knowing the specifics of your policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be ambiguous and reading a policy is terribly boring. Shown next are typical coverage types found on most insurance policies.

Comprehensive (Other than Collision)

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as fire damage, damage from getting keyed, rock chips in glass, hitting a deer and theft. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your 2006 Chrysler PT Cruiser.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time these coverages are similar to your liability insurance amounts.

Collision coverage protection

Collision insurance will pay to fix damage to your PT Cruiser caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a ditch, driving through your garage door and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage pay for bills for ambulance fees, chiropractic care and surgery. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Auto liability

This coverage will cover damages or injuries you inflict on a person or their property in an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as loss of income, court costs, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Quote more, save more

We just showed you a lot of ways to reduce 2006 Chrysler PT Cruiser insurance prices online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with a lesser-known regional company. These companies often have lower rates on specific markets than their larger competitors like Allstate, Geico and Progressive.

Lower-priced 2006 Chrysler PT Cruiser insurance is possible online and from local insurance agents, so you need to shop insurance with both in order to have the best price selection to choose from. Some insurance companies do not offer internet price quotes and usually these smaller companies only sell coverage through independent insurance agents.

As you go through the steps to switch your coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In many cases, someone sacrificed liability limits or collision coverage and found out when filing a claim that the savings was not a smart move. Your strategy should be to buy enough coverage at a price you can afford.

Additional auto insurance information is available below:

• Drunk Driving Statistics (Insurance Information Insitute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)
• Understanding Limits and Deductibles (Allstate)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)

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