2003 Chrysler PT Cruiser Car Insurance Cost – 7 Policy Discounts

Pricey insurance can overdraw your family’s budget and force you to tighten up your finances. Doing a price comparison can be a smart way to tighten up your finances.

Companies like Allstate and Progressive constantly blast consumers with fancy advertisements and consumers find it hard to ignore the flying pigs and cute green geckos and find the best price available.

How to lower your auto insurance cost

When comparison shopping, there are several ways to compare prices from lots of auto insurance companies. The fastest way to find competitive 2003 Chrysler PT Cruiser insurance rates is simply to get online rate quotes. It’s really quite simple and can be done using a couple different methods.

The fastest and easiest way to compare a lot of rates at once is an all-inclusive rate comparison (click to open form in new window). This style of form eliminates the need for separate quote forms to each individual auto insurance company. A single, simple form gets insurance cost estimates direct from many companies.

A less efficient way to get quotes online consists of going to each company’s website and repeat the quote process. For instance, we’ll pretend you want to view quotes from Nationwide, State Farm and Liberty Mutual. You would be required to spend time going to each site individually and repeatedly enter your information, which is not fast way to get rate quotes. For a handy list of car insurance company links in your area, click here.

Even if you have time, the least recommended method to find and compare rates is making phone calls or going to each insurance agency near you. The internet reduces the need to sit down with an agent unless you want the professional advice that you can only get from talking to an agent. It is possible to compare the best prices online but have a local agent actually write the policy.

Whichever way you choose to compare rates, be sure to compare apples-to-apples coverage limits with each company. If you are comparing unequal deductibles or liability limits then you won’t be able to determine which rate is truly the best. Just a small difference in coverage limits could mean much higher rates. Just remember that comparing all the rates in your area helps you find a lower rate. Not every company provides prices over the internet, so it’s necessary to compare prices on coverage from those companies, too.

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Save money with these seven discounts

Buying insurance is not cheap, but there could be available discounts that can help lower your rates. Many discounts should be triggered when you quote, but a few must be requested specifically before they will apply.

• Resident Student – Youth drivers who are attending college without a vehicle on campus can receive lower rates.
• Discount for New Cars – Putting coverage on a new car can save you some money because newer models keep occupants safer.
• Homeowners Discount – Owning your own home or condo may earn you a small savings because of the fact that having a home shows financial diligence.
• Life Insurance – If the company offers life insurance, you could get a small discount if you purchase life insurance from them.
• Renewal Discounts – Select insurance companies give a discount for buying a new policy prior to the expiration date on your current policy. The savings is around 10%.
• Drive Safe and Save – Insureds who avoid accidents may receive a discount up to 45% on PT Cruiser coverage than drivers with accidents.
• Multi-car Discount – Insuring multiple cars on one policy can reduce rates for all insured vehicles.

We need to note that many deductions do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. Just because it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Some companies that may include most of these discounts may include but are not limited to:

• 21st Century
• State Farm
• AAA
• Liberty Mutual
• Progressive

When getting a coverage quote, ask each insurance company to give you their best rates. Discounts may not apply to policies in your area. To view companies who offer free insurance quotes, follow this link.

What is the best auto insurance coverage?

When buying coverage for your personal vehicles, there really is not a perfect coverage plan. Every insured’s situation is different so your insurance should reflect that For example, these questions could help you determine whether or not you could use an agent’s help.

• Am I covered if hit by an uninsured driver?
• How much can I save by bundling my policies?
• Should I buy only the required minimum liability coverage?
• Do I need special endorsements for business use of my vehicle?
• How does medical payments coverage work?
• At what point should I drop full coverage?
• Are my friends covered when driving my car?
• Is my trailer covered?
• Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area.

Specific coverages for a 2003 Chrysler PT Cruiser

Understanding the coverages of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. Insurance terms can be difficult to understand and reading a policy is terribly boring. These are the usual coverages offered by insurance companies.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for expenses for EMT expenses, prosthetic devices, nursing services and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability – This can cover damage or injury you incur to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as medical expenses, emergency aid, structural damage, medical services and bail bonds. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chrysler PT Cruiser.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Collision – Collision coverage pays for damage to your PT Cruiser caused by collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a mailbox, colliding with another moving vehicle, sustaining damage from a pot hole, crashing into a ditch and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive insurance – This coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, a broken windshield and hitting a deer. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

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Save for a rainy day

As you shop your coverage around, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, an accident victim reduced full coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to get the best coverage possible for the lowest cost but still have enough coverage for asset protection.

We’ve covered many tips how you can save on 2003 Chrysler PT Cruiser insurance. The most important thing to understand is the more companies you get prices for, the better chance you’ll have of finding inexpensive car insurance. You may even find the best premium rates are with a lesser-known regional company. Smaller companies may have significantly lower prices on certain market segments as compared to the big name companies such as State Farm, Geico and Nationwide.

More tips and info about insurance coverage can be found at these sites:

• Things to Know Before you Cancel Insurance (Allstate)
• Older Driver Statistics (Insurance Information Insitute)
• Electronic Stability Control FAQ (iihs.org)
• Distracted Driving Statistics (Insurance Information Insitute)

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