Cheaper 2001 Chrysler PT Cruiser Insurance Rates

Sick and tired of scraping the payment together to pay high insurance rates every month? Your situation is no different than the majority of other people.

There is such a variety of car insurance companies to choose from, and although it’s a good thing to have a selection, having more car insurance companies makes it harder to find the best rates.

It’s a good habit to do price comparisons as often as possible because prices go up and down regularly. If you had the lowest quotes for PT Cruiser insurance a year ago you will most likely find a better rate today. Block out anything you think you know about insurance because you’re going to learn how to use online quotes to find better rates and still maintain coverage.

Locating affordable auto insurance coverage can be fairly easy. Just about everyone who is required by state law to have auto insurance will more than likely be able to save money. But consumers must understand how companies price insurance differently and apply this information to your search.

Free auto insurance quotes

Most major insurance companies give pricing from their websites. Getting prices online is pretty easy as you simply type in the amount of coverage you want on the page. Once you submit the form, the quote system gets your driving record and credit report and provides a quote. Quoting online makes it a lot easier to compare rates but the process of having to visit many different websites and type in the same data can be a bit repetitive. But it’s necessary to get many rate quotes in order to find the lowest auto insurance rates.

There is an easier way to compare rates

An easier way to find cheaper rates is to use a quote form that obtains quotes from a lot of companies. This type of form saves time, requires much less work on your part, and makes online price comparison much easier. As soon as the form is sent, it gets priced and you can choose any or none of the quotes returned.

If you find a better price it’s easy to complete the application and purchase the new policy. The entire process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

To find out how much you’re overpaying now, click here to open in a new tab and enter your information. If you have a policy now, it’s recommended you enter the limits and deductibles identical to your current policy. This makes sure you’re receiving comparison quotes based on similar coverages.

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Take advantage of every insurance discount

Car insurance is not cheap, but you might find some hidden discounts that you may not even know about. Most are applied at the time you complete a quote, but some may not be applied and must be asked for prior to receiving the credit.

• Waiver for an Accident – Not really a discount, but companies like Allstate and Geico will turn a blind eye to one accident before they charge you more for coverage if you are claim-free prior to being involved in the accident.
• Sign Early and Save – Some insurance companies provide a discount for switching to them prior to your current policy expiring. This can save 10% or more.
• Home Ownership Discount – Being a homeowner can help you save on insurance due to the fact that maintaining a home shows financial diligence.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs with ABS and/or traction control can stop better under adverse conditions and earn discounts up to 10%.
• Government Employees – Simply working for the federal government may reduce rates when you quote car insurance for PT Cruiser insurance but check with your company.
• Drivers Education – Teen drivers should sucessfully take a drivers education course if it’s offered in school.
• Senior Citizen Rates – If you’re over the age of 55, you could receive a small discount on rates for PT Cruiser insurance.
• Passive Restraint Discount – Factory options such as air bags or automatic seat belts may get savings of more than 20%.
• Low Mileage Discounts – Driving less could be rewarded with discounted insurancerates on garaged vehicles.
• Clubs and Organizations – Participating in a professional or civic organization is a good way to get lower rates on insurance.

Discounts lower rates, but some of the credits will not apply the the whole policy. The majority will only reduce specific coverage prices like liability and collision coverage. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way.

If you would like to choose from a list of insurance companies who offer discounts, click here to view.

How to know if you need help

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different so your insurance should reflect that For example, these questions may help highlight if your insurance needs may require specific advice.

• How do I file an SR-22 for a DUI in my state?
• Is my 2001 Chrysler PT Cruiser covered for flood damage?
• Why is insurance for a teen driver so high?
• What if I don’t agree with a claim settlement offer?
• Should I have combined single limit or split liability limits?
• Am I covered if I drive in a foreign country?
• Is business equipment covered while in my vehicle?
• Do I need special endorsements for business use of my vehicle?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Buy cheaper insurance coverage with these tips

Lots of things are used when premium rates are determined. Some are obvious like a motor vehicle report, but some are not as apparent such as your credit history or how financially stable you are.Part of the insurance coverage buying process is learning the different types of things that go into determining the rates you pay for insurance coverage. If you know what influences your rates, this empowers consumers to make smart changes that may result in lower rates.

• Amount of liability coverage – The liability coverage on your policy is the coverage that protects you if ever you are found liable for damages caused by your negligence. It will provide for a legal defense starting from day one. This coverage is relatively inexpensive compared to comp and collision, so drivers should carry high limits.
• Do you really need roadside assistance? – Policies have add-on coverages that you can buy if you don’t pay attention. Coverages like coverage for rental cars, accident forgiveness, and motor club memberships could be just wasting money. These may sound like a good investment when talking to your agent, but if you have no use for them eliminate them to save money.
• Raise your physical damage deductibles for better prices – The deductibles are the amount of money you are willing to pay if the claim is covered. Insurance for physical damage, also called comprehensive and collision insurance, is used to repair damage to your car. Some examples of claims that would be covered could be rearending another vehicle, collision with a deer, and having a roll-over accident. The more you are required to pay out-of-pocket, the bigger discount you will receive for PT Cruiser insurance.
• Policy claims cost money – Auto insurance companies generally give most affordable rates to people who only file infrequent claims. If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is designed for larger claims.
• Credit rating impacts premiums – Having a good credit score can be an important factor in determining premium rates. Therefore, if your credit history leaves room for improvement, you may save money insuring your 2001 Chrysler PT Cruiser if you clean up your credit. Insureds that have excellent credit tend to be better risks to insure than drivers who have poor credit.
• Insurance rates in urban areas – Choosing to live in less populated areas may provide you with better prices when talking about insurance coverage. Drivers in populated areas have congested traffic and more severe claims. Fewer people means a lower chance of having an accident in addition to fewer liability claims.
• Vehicles with better crash test results means cheaper rates – Safer cars can get you lower premiums. Vehicles engineered for safety result in less severe injuries and lower injury rates means less claims paid and thus lower rates.

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Switch companies and save? Really?

Companies like State Farm, Geico and Progressive consistently run television, radio, and online ads. All the ads say the same thing that drivers can save some big amount if you change your auto insurance policy to them. How does every auto insurance company make the same claim? Here is the trick they use.

Many companies can use profiling for the right customer that is profitable for them. For instance, a preferred risk may need to be married and over the age of 30, has a clean driving record, and drives a safe vehicle. Any driver who meets those qualifications will get very good premium rates and will also save quite a bit of money when switching.

People who do not fit those standards will get higher premiums and this can result in the driver buying from a lower-cost company. The trick companies use is to say “customers who switch” not “all people who quote” save that much when switching. That’s why insurance companies can make claims like that.

Because each company has a different risk profile, you should quote coverage with many companies. Because you never know which company will give you lower car insurance rates than your current company.

Insurance coverages explained

Having a good grasp of a insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the usual coverages available from insurance companies.

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, rock chips in glass, damage from a tornado or hurricane, theft and falling objects. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for collisions

This pays to fix your vehicle from damage caused by collision with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for things like colliding with another moving vehicle, scraping a guard rail and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Chrysler PT Cruiser.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

Coverage for liability

Liability insurance provides protection from damage or injury you incur to other’s property or people. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as legal defense fees, loss of income and emergency aid. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Medical costs insurance

Med pay and PIP coverage reimburse you for expenses such as surgery, ambulance fees, doctor visits and hospital visits. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Final considerations

Cheap 2001 Chrysler PT Cruiser insurance is possible on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best selection. Some insurance providers don’t offer online price quotes and usually these regional carriers provide coverage only through independent insurance agents.

As you shop your coverage around, don’t be tempted to buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice full coverage only to discover later that it was a big mistake. Your focus should be to buy the best coverage you can find at the best cost but still have enough coverage for asset protection.

Additional information is available at the links below

• Shopping for a Safe Car (Insurance Information Insitute)
• Safe Vehicles for Teens (iihs.org)
• Alcohol Impaired Driving FAQ (iihs.org)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)

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