View 2009 Chrysler PT Cruiser Insurance Quotes

Having to pay for overpriced car insurance can drain your personal savings and make it impossible to make ends meet. Comparison shopping is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away. Popular companies such as Progressive, Geico and Farmers Insurance continually bombard you with TV and radio ads and consumers find it hard to ignore the flying pigs and cute green geckos and take the time to shop coverage around.

Smart consumers take time to do rate comparisons at least once a year since insurance rates change regularly. Even if you think you had the lowest rates for PT Cruiser insurance a year ago you may be paying too much now. You can find a lot of misleading information regarding car insurance on the internet, so by reading this article, you’re going to learn a lot of great tips on how to find cheap car insurance.

Chrysler PT Cruiser insurance rates have many determining factors

Smart consumers have a good feel for the rating factors that help determine the price you pay for insurance. Knowing what influences your rates helps enable you to make changes that could result in much lower annual insurance costs.

  • Liability coverage protects you – Liability insurance is the coverage that protects you when a jury decides you are liable for personal injury or accident damage. Liability provides legal defense which can be incredibly expensive. Liability insurance is quite affordable compared to physical damage coverage, so do not skimp.
  • Always keep insurance in force – Letting your insurance expire is a quick way to trigger a rate increase. And not only will insurance be more expensive, but not being able to provide proof of insurance might get you a steep fine or even jail time.
  • Sex matters – Statistics show that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are BETTER drivers than men. Both sexes are in accidents at a similar rate, but the males cause more damage. They also receive more costly citations like reckless driving and DUI. Teenage male drivers are the most expensive to insure and are penalized with high insurance rates.
  • High deductibles save money – Physical damage deductibles define the amount you are required to spend before a claim is paid by your company. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered are running into the backend of another car, damage caused by hail, and windstorm damage. The more money the insured has to pay upfront, the less your insurance will be for PT Cruiser insurance.
  • Being married is a good thing – Getting married actually saves money on insurance. Having a significant other usually means you are more mature than a single person and it’s statistically proven that married drivers get in fewer accidents.
  • Clean credit earns discounts – Your credit history is a important factor in determining what you pay for insurance. If your credit history is not that good, you could save money insuring your 2009 Chrysler PT Cruiser by spending a little time repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records than drivers with lower credit scores.

Policy discounts you shouldn’t miss

Companies don’t always list every discount in an easy-to-find place, so we researched both well-publicized and the more hidden auto insurance savings. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Low Mileage – Fewer annual miles on your Chrysler can earn a substantially lower rate.
  • Good Students Pay Less – This discount can earn a discount of 20% or more. This discount can apply up to age 25.
  • 55 and Retired – If you’re over the age of 55, you may qualify for better auto insurance rates for PT Cruiser insurance.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower premiums.
  • Own a Home – Owning a house can save you money because of the fact that having a home shows financial diligence.
  • Federal Government Employee – Active or retired federal employment can save as much as 8% for PT Cruiser insurance with a few auto insurance companies.
  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Multiple Vehicles – Having multiple vehicles on one policy can get a discount on all vehicles.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you can get free auto insurance, you’re out of luck.

To see a list of insurers who offer auto insurance discounts, follow this link.

Insurance agents can help

When it comes to buying the best insurance coverage coverage for your personal vehicles, there really is no “best” method to buy coverage. Each situation is unique so your insurance needs to address that. For example, these questions may help highlight whether you may require specific advice.

  • When would I need rental car insurance?
  • Are rock chip repairs covered?
  • What if I don’t agree with a claim settlement offer?
  • Should I get collision insurance on every vehicle?
  • When should I drop full coverage on my 2009 Chrysler PT Cruiser?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I benefit by insuring my home with the same company?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Specific coverages for a Chrysler PT Cruiser

Having a good grasp of your car insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement. Shown next are typical coverage types offered by car insurance companies.

Comprehensive (Other than Collision) – This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from a tornado or hurricane, fire damage and falling objects. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage – This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as damaging your car on a curb, colliding with a tree, crashing into a building, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also bump up the deductible to get cheaper collision coverage.

Liability car insurance – Liability insurance can cover damage or injury you incur to other people or property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover 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. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers claims like bail bonds, structural damage, court costs and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for bills for things like ambulance fees, nursing services, EMT expenses, hospital visits and X-ray expenses. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Protection from uninsured/underinsured drivers – This protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chrysler PT Cruiser.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Don’t break the bank

As you prepare to switch companies, it’s a bad idea to reduce needed coverages to save money. There have been many cases where someone sacrificed collision coverage and discovered at claim time they didn’t purchase enough coverage. Your focus should be to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

We just showed you many ways to get a better price on 2009 Chrysler PT Cruiser insurance. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with some of the smallest insurance companies. They may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive or Geico.

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