Cheaper 2008 Chrysler PT Cruiser Insurance Rates

Trying to find cheaper insurance coverage rates for your Chrysler PT Cruiser? Finding the best price on insurance coverage is challenging if you have never used online rate quotes. But don’t be discouraged because using the internet to shop for insurance coverage is actually quite easy.

It’s a good idea to take a look at other company’s rates yearly since rates are rarely the same from one policy term to another. Just because you had the lowest price for PT Cruiser insurance last year you can probably find a better price now. There is a lot of bad information regarding insurance coverage online, so I’m going to show you some excellent ideas to find affordable insurance coverage.

Buying car insurance is easy if you know what you’re doing. Essentially anyone who carries auto insurance will be able to lower their premiums. But drivers need to learn the methods companies use to sell insurance online and take advantage of how the system works.

Compare Insurance Coverage Costs

Most companies quote pricing on their websites. Getting online quotes is fairly straightforward as you just enter the coverages you want as detailed in the form. After you complete the form, the system pulls credit information and your driving record and gives you a price quote based on many factors.

This streamlines rate comparisons, but the process of having to visit a lot of sites and complete many quote forms is monotonous and tiresome. Unfortunately, it is important to get many rate quotes in order to get the lowest insurance coverage rates.

There is an easier way!

An easier way to find cheaper rates requires only one form that gets price quotes from a bunch of companies at once. It’s a real time-saver, requires less work, and makes online shopping much simpler. As soon as the form is sent, it gets priced and you are able to buy any or none of the quotes that you receive. If the quotes result in lower rates, you simply finish the application and buy the policy. It can be completed in a matter of minutes and you will find out if you’re overpaying now.

If you want to fill out one form to compare multiple rates now, simply click here to open in new window and submit the form. To compare your current rates, we recommend you enter deductibles and limits just like they are on your policy. This helps ensure you’re receiving comparison quotes based on the exact same insurance coverage.

Don’t pay full price with these discounts

Companies don’t always list every available discount very clearly, so here is a list some of the more common and the harder-to-find insurance coverage savings.

  • Safety Course Discount – Completing a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and will save you 10% or more.
  • Passive Restraints and Air Bags – Vehicles with factory air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates for PT Cruiser insurance than drivers with accident claims.
  • Discount for New Cars – Buying coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Seat Belts Save more than Lives – Drivers who require all occupants to use their safety belts could save 15% off the personal injury premium cost.
  • Paperwork-free – A handful of insurance companies give back up to $50 for buying a policy and signing up digitally online.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Chrysler can earn lower rates on the low mileage vehicles.
  • Student Driver Training – Have your child enroll in driver’s education in high school.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most only reduce individual premiums such as comprehensive or collision. So when the math indicates you could get a free insurance coverage policy, companies wouldn’t make money that way.

To see a list of insurance companies who offer insurance coverage discounts, follow this link.

Factors determining your Chrysler PT Cruiser insurance premium

Smart consumers have a good feel for the different types of things that help determine the rates you pay for car insurance. Knowing what determines base rates empowers consumers to make smart changes that can help you get much lower annual insurance costs.

  • Don’t skimp on liability – Liability insurance is the protection when a jury decides you are liable for personal injury or accident damage. It will provide legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
  • Choose a safe vehicle and save – Vehicles with high crash test scores tend to have better insurance rates. These vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims passed on to you as lower rates. If your Chrysler earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Where you reside plays a part – Living in small towns and rural areas has it’s advantages when insuring your vehicles. Urban drivers tend to have congested traffic and longer commutes to work. Less people living in that area means fewer accidents.
  • Your stress level may be raising your rates – Did you know that where you work can have an impact on rates? Occupations like judges, executives and accountants have higher rates than average because of high stress levels and long work days. On the flip side, jobs such as scientists, athletes and homemakers get better rates for PT Cruiser insurance.
  • Clean credit earns discounts – Credit rating is a important factor in determining what you pay for car insurance. Drivers with high credit scores tend to file fewer claims and have better driving records than those with lower credit ratings. If your credit rating can use some improvement, you could potentially save money when insuring your 2008 Chrysler PT Cruiser by spending a little time repairing your credit.

Your personal situation dictates your coverage

When it comes to choosing coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s situation is unique.

For example, these questions might help in determining whether your personal situation might need professional guidance.

  • How high should my uninsured/underinsured coverage be in my state?
  • When should I not file a claim?
  • Is rental equipment covered for theft or damage?
  • Does coverage extend to Mexico or Canada?
  • Do I need motorclub coverage?
  • Why do I need rental car insurance?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form.

Don’t listen to company ads

Insurance coverage providers like Geico, State Farm and Progressive constantly bombard you with ads in print and on television. They all make the same claim that you can save if you switch to them. How can each company make almost identical claims? It’s all in the numbers.

All the different companies can use profiling for the type of customer that makes them money. A good example of a preferred risk could be a mature driver, is a homeowner, and has great credit. Any driver who meets those qualifications is entitled to the best price and as a result will probably save a lot of money.

Potential customers who don’t qualify for these standards will be charged higher premiums and ends up with the customer not buying. Company advertisements say “drivers who switch” not “everybody who quotes” save that much money. This is how insurance companies can confidently state the savings. That is why you need to compare many company’s rates. It’s just too difficult to predict which insurance coverage company will provide you with the cheapest Chrysler PT Cruiser insurance rates.

Specific coverages for a 2008 Chrysler PT Cruiser

Having a good grasp of your insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Coverage for collisions

Collision insurance pays for damage to your PT Cruiser caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as sideswiping another vehicle, damaging your car on a curb, backing into a parked car, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like funeral costs, rehabilitation expenses and pain medications. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from getting keyed, hitting a deer and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability car insurance

Liability coverage will cover damage that occurs to other people or property. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like medical services, loss of income, pain and suffering, bail bonds and emergency aid. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Compare but don’t skimp

We covered a lot of techniques to compare 2008 Chrysler PT Cruiser insurance prices online. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Consumers could even find that the biggest savings come from some of the smallest insurance companies.

When shopping online for insurance coverage, you should never buy lower coverage limits just to save a few bucks. In many cases, an accident victim reduced physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage for the lowest price.

Cost effective insurance can be sourced on the web and also from your neighborhood agents, so you should be comparing quotes from both to get a complete price analysis. A few companies may not provide you the ability to get quotes online and these small, regional companies work with independent agents.

More detailed insurance coverage information is located at these sites: