2002 Chrysler PT Cruiser Car Insurance Cost

Searching for lower car insurance rates for your Chrysler PT Cruiser? Did a good deal turn into an expensive car insurance policy? It’s quite common and you’re not alone. With drivers having so many companies to choose from, it can be hard to choose the lowest price company.

Consumers need to get comparison quotes occasionally because car insurance prices are variable and change quite frequently. Just because you had the best price on PT Cruiser insurance six months ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because we’re going to show you how to quote online to reduce your cost while increasing coverage.

The purpose of this post is to help you learn how to effectively get price quotes and some tricks to saving. If you are paying for car insurance now, you should be able to reduce your rates substantially using this information. Drivers only need an understanding of the best way to get comparison quotes over the internet.

The best way to compare car insurance company rates is to know the trick almost all companies allow for online access to provide you with free rate quotes. To start a quote, the only thing you need to do is provide a small amount of information including driver ages, the type of vehicles you drive, your occupation, and coverage limits. Those rating factors is then submitted to multiple different insurance companies and they return quotes instantly to find the best rate.

Affordable insurance coverage rates with discounts

Some insurance providers don’t list all disounts in an easy-to-find place, so the list below contains some of the more common and the harder-to-find credits available to bring down your rates. If you’re not getting every credit possible, you are paying more than you should be.

• Payment Method – If you pay your bill all at once rather than spreading payments over time you may have a lower total premium amount.
• Homeowners Savings – Owning a home can save a few bucks because it requires a higher level of personal finance.
• Accident Waiver – Not necessarily a discount, but certain companies will allow you to have one accident without the usual rate increase so long as you haven’t had any claims for a set time period.
• Anti-lock Brake System – Cars, trucks, and SUVs with ABS braking systems or traction control can reduce accidents and earn discounts up to 10%.
• Professional Memberships – Affiliation with qualifying employment or professional organizations could trigger savings on insurance coverage.
• New Car Discount – Buying insurance on a new vehicle is cheaper due to better safety requirements for newer models.
• Employee of Federal Government – Being employed by or retired from a federal job may qualify for a discount when you quote auto insurance on PT Cruiser insurance with some insurance coverage companies.
• Low Mileage – Maintaining low annual mileage can earn substantially lower premium rates.
• Discounts for Responsible Drivers – Safe drivers can get discounts for up to 45% lower rates on PT Cruiser insurance as compared to drivers with claims.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle their seat belts may be able to save a few bucks on the medical payments or PIP coverage costs.

Don’t be surprised that many deductions do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as medical payments or collision. So even though you would think all the discounts add up to a free policy, companies wouldn’t make money that way.

Car insurance companies that possibly offer these benefits include:

• Progressive
• Geico
• State Farm
• Esurance
• The Hartford

Before you buy a policy, ask each insurance company which credits you are entitled to. Some of the discounts discussed earlier may not apply to policyholders in every state.

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Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions may help you determine whether your personal situation could use an agent’s help.

• I have health insurance so do I need medical payments coverage?
• Should I buy additional glass protection?
• Should I buy only the required minimum liability coverage?
• How do I insure my teen driver?
• How much liability coverage do I need in my state?
• Why am I required to buy high-risk coverage?
• Can I afford to pay high deductible claims out of pocket?
• Where can I find DUI or SR-22 insurance?
• Should I rate my 2002 Chrysler PT Cruiser as pleasure use or commute?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can provide invaluable advice.

How insurers calculate Chrysler PT Cruiser insurance rates

Many things are used in the calculation when you get your auto insurance bill. Some factors are common sense such as your driving history, but others are not quite as obvious like your vehicle usage or your vehicle rating.Consumers need to have an understanding of some of the elements that help determine your policy premiums. When you understand what controls the rates you pay, this allows you to make good choices that can help you get lower premium levels.

The itemized list below are just a few of the factors used by companies to determine your rate level.

• Pay more out-of-pocket – Comp and collision deductibles represent how much money you are willing to pay if you file a covered claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, insures against damage to your car. Some coverage claims are rearending another vehicle, fire damage, or theft of your vehicle. The more money you’re willing to pay, the bigger discount you will receive on PT Cruiser insurance.
• Your address can influence costs – Residing in small towns and rural areas can be a good thing when trying to find low car insurance rates. Fewer drivers and short commutes corresponds to lower accident rates. Residents of big cities regularly have traffic congestion and longer commutes to work. Higher commute times means a statistically higher chance of an accident.
• Younger drivers pay higher premiums – Older insureds are more responsible, tend to cause fewer accidents .Beginning drivers tend to be inattentive behind the wheel and because of this, their car insurance rates are much higher.
• Lower rates for safer cars – Vehicles that have high safety ratings tend to have better insurance rates. Safer cars have better occupant injury protection and fewer injuries means lower claim amounts passed on to you as lower rates. If the Chrysler PT Cruiser scored at minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org it may cost less to insure.

What insurance coverages do you need?

Having a good grasp of insurance can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by insurance companies.

Collision protection

This coverage pays for damage to your PT Cruiser resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as backing into a parked car, crashing into a building, hitting a parking meter, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive protection

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as hail damage, hitting a deer, falling objects, rock chips in glass and a broken windshield. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage

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

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which stand for a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things like attorney fees, funeral expenses and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your Chrysler PT Cruiser.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually the UM/UIM limits are set the same as your liablity limits.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like chiropractic care, hospital visits and nursing services. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

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Best coverage at the best price

The cheapest 2002 Chrysler PT Cruiser insurance can be purchased online in addition to local insurance agencies, and you should compare rates from both to have the best rate selection. Some insurance companies do not provide internet price quotes and usually these regional carriers work with local independent agencies.

As you restructure your insurance plan, you should never sacrifice coverage to reduce premiums. There are many occasions where consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The ultimate goal is to buy enough coverage at a price you can afford, but don’t skip important coverages to save money.

More tips and info about auto insurance is located at these sites:

• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Drunk Driving Statistics (Insurance Information Insitute)
• All About Airbag Safety (State Farm)

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