Lower Your 2004 Chrysler PT Cruiser Car Insurance Quotes

Trying to find lower insurance coverage rates for your Chrysler PT Cruiser? Are you confused by the dozens of insurance coverage sources in your area? Drivers have so many sources to choose from that it can turn into a difficult situation to find the lowest price.

Shopping for the cheapest insurance coverage coverage is simple if you know the tricks. Essentially every driver who carries insurance coverage will more than likely be able to reduce their rates. But car owners do need to know the methods companies use to sell insurance online.

The best way to get rate comparisons is to know the fact car insurance companies actually pay money for the chance to give free rates quotes. The only thing you need to do is take a few minutes to give details such as your education level, the make and model of your vehicles, whether you are single or married, and what you do for a living. That information gets transmitted to many highly-rated insurers and they return quotes instantly to find the best rate.

Is there deception in advertising?

Popular insurance coverage providers such as State Farm and Allstate seem to constantly run ads on television and other media. They all try to convey promises of big savings if you change to their company. But how can every company offer drivers better rates? It’s all in the words they use.

Different companies have strict underwriting profiles for the type of insured that makes them money. For example, a preferred risk may need to be over the age of 45, owns their home, and has a high credit rating. A propective insured who fits those characteristics will get a cheap rate quote and as a result will probably save when switching.

Drivers who do not meet those standards may be required to pay a more expensive rate and the prospect going elsewhere. If you pay close attention to the ads, they say “people who switch” not “all people who quote” will save that much if they switch. That’s the way insurance companies can confidently advertise the way they do.

This really emphasizes why it’s extremely important to quote coverage with many companies. It is just not possible to predict which insurance companies will have better prices than you’re paying now.

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Discounts to earn cheaper insurance rates

Insuring your fleet can be pricey, but you might already qualify for some discounts that many consumers don’t even know exist. Certain discounts will be applied at the time of purchase, but a few need to be specially asked for before you will receive the discount.

• Mature Driver Discount – Drivers over the age of 55 may receive lower premium rates for PT Cruiser insurance.
• Driver’s Education for Students – Cut your cost by having your teen driver enroll in driver’s education in school or through a local driver safety program.
• Defensive Driving Course – Successfully completing a course that instructs on driving safety could cut 5% off your bill and easily pay for the cost of the class.
• Professional Memberships – Participating in certain professional organizations could trigger savings on your policy.
• Telematics Discount – Drivers who agree to allow driving data submission to study their driving habits by installing a telematics device such as Drivewise from Allstate or Snapshot from Progressive could possibly reduce rates as long as the data is positive.
• Low Mileage Discounts – Maintaining low annual mileage could be rewarded with better insurancerates on cars that stay parked.
• Multi-Vehicle Discounts – Buying a policy with all your vehicles on the same insurance policy can reduce the rates for all insured vehicles.

Keep in mind that most credits do not apply to the entire policy premium. A few only apply to the cost of specific coverages such as comp or med pay. Even though it appears you would end up receiving a 100% discount, it just doesn’t work that way. Any qualifying discounts will definitely reduce your policy premiums.

A list of companies and some of the discounts are included below.

• Geico includes discounts for anti-lock brakes, anti-theft, federal employee, seat belt use, and driver training.
• MetLife policyholders can earn discounts including defensive driver, accident-free, multi-policy, good driver, and good student.
• State Farm offers discounts including driver’s education, safe vehicle, good driver, good student, accident-free, and Drive Safe & Save.
• Progressive has discounts for online quote discount, homeowner, multi-vehicle, multi-policy, and continuous coverage.
• Mercury Insurance may offer discounts for anti-theft, good student, annual mileage, ease of repair, multi-car, and accident-free.
• 21st Century has savings for automatic seat belts, anti-lock brakes, air bags, theft prevention, and student driver.
• Allstate may include discounts for 55 and retired, premier plus, anti-lock brakes, passive restraint, eSmart discount, resident student, and economy car.

When comparing rates, check with every prospective company which discounts you qualify for. All car insurance discounts may not apply to policyholders in your area. If you would like to see a list of companies that offer the discounts shown above, click here to view.

Tailor your insurance coverage coverage to you

When it comes to buying the best insurance coverage coverage, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight if you could use an agent’s help.

• Am I covered if I hit a deer?
• When would I need rental car insurance?
• When should my teen driver be added to my policy?
• Do I have coverage for damage caused while driving under the influence?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Should I get collision insurance on every vehicle?
• Exactly who is provided coverage by my policy?
• Why does it cost so much to insure a teen driver?
• When should I drop full coverage on my 2004 Chrysler PT Cruiser?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Coverages available on your policy

Learning about specific coverages of car insurance can help you determine appropriate coverage at the best deductibles and correct limits. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses for ambulance fees, X-ray expenses, chiropractic care, prosthetic devices and nursing services. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive auto coverage – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from a tornado or hurricane, a broken windshield and rock chips in glass. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – This will pay to fix damage to your PT Cruiser from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like colliding with another moving vehicle, sustaining damage from a pot hole, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these limits are set the same as your liablity limits.

Liability coverage – Liability coverage provides protection from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like medical services, legal defense fees, structural damage and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

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Quote often and quote early

People switch companies for many reasons like delays in paying claims, extreme rates for teen drivers, policy cancellation or poor customer service. Regardless of your reason, finding the right auto insurance provider is easier than you think.

There are still a few companies who may not provide rate quotes online and usually these smaller providers prefer to sell through local independent agencies. Cheaper 2004 Chrysler PT Cruiser insurance is possible online in addition to many insurance agents, so you need to compare both to have the best selection.

When trying to cut insurance costs, make sure you don’t buy poor coverage just to save money. In many cases, an accident victim reduced physical damage coverage to discover at claim time that the savings was not a smart move. The ultimate goal is to buy a smart amount of coverage at the lowest possible cost, but do not skimp to save money.

More detailed auto insurance information is located in these articles:

• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Help Your Teen Be a Better Driver (State Farm)
• What Does No-Fault Insurance Cover? (Allstate)
• Teen Driver Statistics (Insurance Information Insitute)
• Safety Features for Your New Car (State Farm)

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