Save on 2010 Chrysler PT Cruiser Insurance Rates

Trying to find the cheapest insurance for a Chrysler PT Cruiser can turn out to be an all-consuming task, but you can learn our car insurance buying tips and make it easy. There are more efficient ways to find car insurance online and you need to know the quickest way to price shop coverage for your Chrysler and obtain the lowest possible price from both online companies and local agents.

You should make it a habit to get comparison quotes before your policy renews due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the best rates for PT Cruiser insurance on your last policy other companies may now be cheaper. So forget anything you know (or think you know) about car insurance because we’re going to show you the proper way to remove unneeded coverages and save money.

Chrysler PT Cruiser rates influenced by many factors

An important part of buying insurance is that you know the factors that play a part in calculating car insurance rates. Understanding what influences your rates allows you to make educated decisions that could result in better car insurance rates.

  • Your stress level may be raising your rates – Did you know your occupation can influence how much you pay for car insurance? Careers like real estate brokers, architects and accountants have higher rates than average in part from high stress and long work days. On the flip side, jobs such as farmers, athletes and performers get better rates for PT Cruiser insurance.
  • Lower rates come with age – Older insureds are more responsible, statistically cause fewer accidents and receive fewer citations. Teenage drivers are known to be more careless when behind the wheel therefore car insurance rates are much higher.
  • You might want pay the small claims yourself – If you tend to file frequent claims, you can pretty much guarantee either a policy non-renewal or much higher rates. Insurance companies generally give lower rates to policyholders who are claim-free. Auto insurance is intended for the large, substantial claims.
  • Never let your coverage lapse – Letting your insurance expire will be a fast way to bump up your car insurance costs. And not only will your rates increase, failure to provide proof of insurance will get you a hefty fine and possibly a revoked license.
  • Pay less if you’re married – Having a wife or husband helps lower the price on car insurance. Marriage is viewed as being more responsible and it’s statistically proven that being married results in fewer claims.
  • Lower rates with optional equipment – Purchasing a vehicle with an alarm system can help lower your rates. Theft prevention features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping your vehicle from being stolen.

Don’t pay full price with these discounts

Companies do not list all available discounts in an easy-to-find place, so here is a list both the well known as well as the least known discounts you could be receiving. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Sign Online – A few companies will give a small break for buying a policy and signing up online.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • Driver’s Ed – Require your teen driver to take driver’s ed class if offered at their school.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts can save up to 15% on the medical payments or PIP coverage costs.
  • Accident Forgiveness – Certain companies allow you one accident before raising your premiums so long as you haven’t had any claims for a particular time prior to the accident.
  • Save over 55 – If you’re over the age of 55, you can possibly qualify for better insurance rates for PT Cruiser insurance.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Sign Early and Save – A few companies offer discounts for switching policies prior to your current policy expiration. It can save you around 10%.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may save approximately 10% to 15%.
  • Payment Discounts – If you pay your entire premium ahead of time rather than paying monthly you can actually save on your bill.

A little note about advertised discounts, most credits do not apply the the whole policy. Most only apply to specific coverage prices like comp or med pay. Just because it seems like adding up those discounts means a free policy, you won’t be that lucky.

Insurance companies that possibly offer these discounts include:

Double check with every prospective company which discounts they offer. Some discounts may not apply in your area.

Do drivers who switch really save $433 a year?

Consumers get pounded daily by advertisements that promise big savings from the likes of Progressive, Geico, Allstate and State Farm. All the companies say the same thing that you can save if you change your coverage to them.

How does each company make almost identical claims?

All the different companies have a preferred profile for the type of customer that earns them a profit. For instance, a driver they prefer could be over the age of 50, owns a home, and has a short commute. Any new insured who matches those parameters is entitled to the best price and most likely will save a lot of money.

Drivers who don’t meet the “perfect” profile must pay higher rates and this can result in business not being written. The ads state “people who switch” but not “drivers who get quotes” save money. That’s the way insurance companies can make those claims. This illustrates why drivers must get quotes from several different companies. Because you never know which company will fit your personal profile best.

Your personal situation dictates your coverage

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different.

For example, these questions might point out whether you might need an agent’s assistance.

  • What is no-fault insurance?
  • What are the best liability limits?
  • When can I cancel my policy?
  • Will filing a claim cost me more?
  • Who is covered by my policy?
  • Which is better, split liability limits or combined limits?

If you can’t answer these questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can help protect your family.

Learn about car insurance coverages for a 2010 Chrysler PT Cruiser

Having a good grasp of a car insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

UM/UIM Coverage

Your UM/UIM coverage provides protection from other motorists when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Chrysler PT Cruiser.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision coverage protection

Collision coverage will pay to fix damage to your PT Cruiser resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as hitting a mailbox, rolling your car, scraping a guard rail, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to bring the cost down.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for doctor visits, funeral costs, pain medications, ambulance fees and rehabilitation expenses. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Auto liability insurance

Liability insurance will cover damages or injuries you inflict on other people or property. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things such as loss of income, funeral expenses, repair bills for other people’s vehicles, medical expenses and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like rock chips in glass, a tree branch falling on your vehicle, damage from getting keyed and hail damage. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

In conclusion

Consumers switch companies for many reasons like high prices, denial of a claim, extreme rates for teen drivers and even poor customer service. It doesn’t matter what your reason, switching companies is less work than it seems.

We just covered a lot of techniques to lower your 2010 Chrysler PT Cruiser insurance rates. It’s most important to understand that the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the biggest savings come from a company that doesn’t do a lot of advertising.

Affordable insurance is definitely available on the web as well as from independent agents, and you need to comparison shop both to have the best selection. There are still a few companies who don’t offer online quoting and many times these regional insurance providers only sell through independent insurance agents.

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