Perplexed by the number of insurance coverage company choices? You’re not the only one! You have so many choices that it can turn into a real hassle to find the perfect company for you.
It is always a good idea to take a look at other company’s rates periodically because insurance rates fluctuate regularly. If you had the best rates for PT Cruiser coverage two years ago there is a good chance you can find better rates now. So just forget anything you know (or think you know) about insurance coverage because you’re about to learn the fastest way to find better rates and still maintain coverage.
If you have car insurance now, you should be able to lower your premiums substantially using these techniques. Shopping for cheaper coverage is quite easy. But vehicle owners benefit from understanding the methods companies use to price online insurance because it can help you find the best coverage.
The best way we recommend to compare rate quotes is to know the trick most insurance companies will pay a fee to provide you with free rate quotes. The one thing you need to do is take a few minutes to give details such as whether your vehicle is owned or leased, if you have a valid license, if you went to college, and if it has an alarm system. That rating data is submitted instantly to multiple different insurance companies and they return quotes instantly to find the best rate.
When it comes to buying the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different.
For example, these questions may help highlight whether or not you might need an agent’s assistance.
If you can’t answer these questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, complete this form.
Learning about specific coverages of your policy helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.
Collision coverage pays for damage to your PT Cruiser from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like rolling your car, driving through your garage door, scraping a guard rail, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.
Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things like fire damage, hail damage and hitting a bird. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.
Liability insurance will cover damage that occurs to a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.
Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.
Liability insurance covers things like attorney fees, funeral expenses, structural damage, court costs and repair costs for stationary objects. How much coverage you buy is up to you, but consider buying higher limits if possible.
Uninsured/Underinsured Motorist coverage
Your UM/UIM coverage provides protection when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Chrysler PT Cruiser.
Because many people carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for hospital visits, prosthetic devices, nursing services and X-ray expenses. They are often utilized in addition to your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay