Having to pay for overpriced insurance coverage can stress out your bank account and make it hard to pay other bills. Comparing rate quotes is free, only takes a few minutes, and is a good way to ensure you are getting the best deal.
Many auto insurance companies vie for your insurance dollar, and because of this it can be hard to compare insurers and get the best coverage at the lowest rate
The best way to find cheaper car insurance is to take a look at a few of the rating criteria that help calculate car insurance rates. If you understand what determines base rates, this allows you to make educated decisions that could help you find lower car insurance prices. Many factors are considered when quoting car insurance. A few of the factors are predictable like a motor vehicle report, although others are less apparent such as your credit history or how financially stable you are.
Auto insurance companies do not list all available discounts very well, so here is a list a few of the more well known and the harder-to-find credits available to you.
You can save money using discounts, but most of the big mark downs will not be given to all coverage premiums. Some only reduce specific coverage prices like comprehensive or collision. Just because you may think it’s possible to get free car insurance, you’re out of luck.
A list of auto insurance companies and some of their more popular discounts are included below.
Before you buy a policy, ask all the companies which credits you are entitled to. Some credits might not be available to policyholders in every state.
Consumers constantly see and hear ads that promise big savings from companies such as Allstate and Progressive. They all tend to make the same promise that you can save if you just switch to them.
Is it even possible that every company can make the same claim? You have to listen carefully.
Different companies have strict underwriting profiles for the right customer that earns them the most money. An example of a profitable insured may need to be a married male, has a clear driving record, and does not commute to work. Any driver who meets those qualifications will most likely get cheap premium rates and as a result will probably cut their rates if they switch.
Consumers who cannot meet those standards will probably have to pay higher rates which usually ends up with the customer buying from a different company. The ads say “people who switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way insurance companies can claim big savings.
This emphasizes why drivers should do a quote comparison often. It’s just too difficult to predict which insurance companies will have the lowest premium rates for your situation.
When buying the right insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.
If you can’t answer these questions but you know they apply to you, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.
Understanding the coverages of your insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average insurance policy.
Uninsured and underinsured coverage
This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Chrysler PT Cruiser.
Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.
Comprehensive coverages
This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like damage from flooding, vandalism, a broken windshield, hail damage and theft. The highest amount your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
Collision protection
Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for claims such as crashing into a building, colliding with a tree, hitting a mailbox and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to bring the cost down.
Coverage for medical payments
Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like EMT expenses, dental work, doctor visits, prosthetic devices and nursing services. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage
Auto liability insurance
Liability coverage protects you from damages or injuries you inflict on other people or property. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability insurance covers things like structural damage, medical services, funeral expenses and repair costs for stationary objects. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.
Discount 2001 Chrysler PT Cruiser insurance is available online as well as from independent agents, so get free car insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies may not provide price quotes online and these small, regional companies provide coverage only through independent insurance agents.
In this article, we covered a lot of tips how to shop for 2001 Chrysler PT Cruiser insurance online. The most important thing to understand is the more providers you compare, the better likelihood of getting the cheapest car insurance. Consumers could even find that the lowest car insurance rates come from a smaller regional carrier. They can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.
More detailed insurance information can be found at these sites:
Loriann Golden
Mine is so expensive. I’m in the suburbs of Columbia, SC. Received prices from AAA, Farmers, and Safeco for my PT Cruiser and saved just over $70 a year. I have a teen driver too. Not sure if rates are cheaper online or not. Only insure liability on my Chrysler.
Bess Levine
If you’re from Frederick, Maryland get quotes from State Farm and GEICO and you might save.
Hee Kirkland
If you’re around Davenport, Iowa try State Farm and Progressive and see which is cheaper.
Toya Harris
I’m in the suburbs of Augusta, GA. I got free quotes from Progressive, AIG Insurance, Farmers, and The General for my PT Cruiser and saved $90 a year.
Vashti Mcintosh
Hope my rates come down. I’m in Tacoma, WA. I don’t recall every quote but I ended up saving about $30 each month. Insured with Hanover before. Not sure if rates are cheaper online or through an agent. Just liability coverage since it’s getting old.
Jessie Paul
I found pretty cheap rate quotes for a 2001 Chrysler PT Cruiser in Sioux Falls, SD. Ended up at darn near $120 every six months with AAA. Thankfully I’m not a high risk driver. Get lots of quotes to find the best rate.
Danille Delaney
Affordable car insurance is a myth. Proud to be from Provo, UT. Quoted quotes with GEICO, American Family, Erie, and The General for my PT Cruiser and saved just over $80 a year. Ask about discounts. I think I’ll get rid of full coverage next time.
Sherri Douglas
Enjoyed the article. Live in the western part of Denver, CO. Don’t remember every company but I ended up saving about $20 each month. Thankfully I have a good driving record. Are quotes cheaper online?
Kesha Meyer
Well-written and thought out article. Found cheapest coverage with Western Auto Insurance for my PT Cruiser and saved about $60 a year. Hopefully won’t need it.
Dawna Mccarty
I found pretty cheap rate quotes for a 2001 Chrysler PT Cruiser in Mesa, AZ. Ended up at darn near $100 every six months with American Family. Insured with Esurance before. Have a couple speeding tickets too. I’m thinking about dropping full coverage though.
Johnson Rivera
In Knoxville, TN, Progressive auto insurance rates for my 2001 Chrysler PT Cruiser were good. I have a couple other vehicles on the policy.
Genevive Neal
I got a good deal I think. From northwest of Denver, CO. Got free quotes online for a 2001 Chrysler PT Cruiser. Ended up at about $100 savings annually. Went with Progressive. Highly recommended. My Chrysler doesn’t have full coverage.
Roy Snow
How are claims handled by Allstate around Louisville, KY?
Tricia Crawford
What are minimum liability limits required in Florida?
Lottie Clements
In Rochester, MN compare State Farm with Progressive and see which is best.