No one in their right mind looks forward to buying auto insurance, especially knowing the cost is too high. Multiple insurers compete for your insurance dollar, so it can be very hard to choose a provider to find the absolute lowest cost out there.
It’s smart to take a look at other company’s rates every six months because prices tend to go up over time. Even if you think you had the best rates for PT Cruiser insurance a year ago you will most likely find a better rate today. So just block out anything you think you know about auto insurance because I’m going to teach you how to use online quotes to find better rates and still maintain coverage.
Performing a rate comparison is a ton of work if you aren’t aware of the easiest way. You could waste a few hours driving to insurance companies in your area, or you can utilize the web to get rate comparisons in just a few minutes.
Most major companies participate in a marketplace that allows shoppers to submit one quote, and each participating company returns a competitive quote based on the submitted data. This eliminates the need for quote forms for every car insurance company.
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The single downside to pricing coverage this way is you cannot specify the companies you will receive quotes from. If you would rather choose specific insurance companies to receive pricing from, we have assembled a list of car insurance companies in your area. View list of insurance companies.
It’s up to you which method you use, but make absolute certain that you use exactly the same coverage limits and deductibles for each price quote. If you use differing limits you can’t possibly make a fair comparison for your Chrysler PT Cruiser.
Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to reduce the price significantly. Some trigger automatically at the time of quoting, but a few need to be asked about before you will receive the discount. If you aren’t receiving every discount available, you’re paying more than you need to.
It’s important to note that some credits don’t apply to the entire cost. Some only apply to individual premiums such as physical damage coverage or medical payments. So when the math indicates you could get a free insurance coverage policy, it doesn’t quite work that way. But any discount will cut the amount you have to pay.
For a list of insurance companies with discount insurance coverage rates, click here.
When choosing proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s needs are different so this has to be addressed. These are some specific questions may help highlight whether you would benefit from professional advice.
If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.
Consumers need to have an understanding of the factors that play a part in calculating auto insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that will entitle you to lower auto insurance prices.
Understanding the coverages of car insurance can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages available from car insurance companies.
Collision coverage will pay to fix damage to your PT Cruiser resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision insurance covers claims like colliding with a tree, hitting a parking meter, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.
Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like theft, a broken windshield, rock chips in glass, falling objects and fire damage. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Medical expense coverage
Med pay and PIP coverage reimburse you for short-term medical expenses for things like X-ray expenses, pain medications, prosthetic devices and doctor visits. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
Uninsured or underinsured coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Chrysler PT Cruiser.
Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.
This can cover damage that occurs to other people or property by causing an accident. This coverage 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: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined limit which provides one coverage limit without having the split limit caps.
Liability coverage pays for things like funeral expenses, loss of income, emergency aid and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.
When you buy insurance online, it’s not a good idea to buy poor coverage just to save money. In many cases, an accident victim reduced full coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase plenty of coverage at a price you can afford.
Discount 2002 Chrysler PT Cruiser insurance can be found from both online companies in addition to many insurance agents, so compare prices from both to have the best chance of lowering rates. Some insurance providers do not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.
In this article, we covered many ways to lower your insurance rates. The key thing to remember is the more quotes you get, the higher your chance of finding lower rates. Consumers may even find the lowest premiums are with a smaller regional carrier. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.