Save on 2002 Chrysler PT Cruiser Insurance Cost

Pricey Chrysler PT Cruiser insurance can stress out your family’s budget and force you to cut corners elsewhere. Comparison shopping is a smart way to make sure you’re not throwing money away.

Companies like Progressive, Geico and Farmers Insurance constantly bombard you with ad campaigns and it can be hard to avoid their marketing magic and effectively compare rates to find the best deal.

It’s a good idea to do price comparisons before your next renewal because rates change frequently. Even if you think you had the best premium rates for PT Cruiser insurance last year there is a good chance you can find better prices now. Ignore everything you know about insurance because you’re going to get a crash course in the fastest way to find lower rates on insurance.

If you are insured now or need a new policy, you can use this information to get lower rates and still get good coverage. Finding the best rates is quite easy. Vehicle owners only need to know the proper way to get comparison quotes online.

Learn how to buy car insurance for less

One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that come into play when calculating the price you pay for car insurance. If you understand what impacts premium levels, this helps enable you to make changes that may reward you with better car insurance rates. Lots of factors are taken into consideration when pricing auto insurance. A few of the factors are predictable like an MVR report, although some other factors are more obscure like your continuous coverage or how financially stable you are.

The following are a few of the “ingredients” used by companies to determine rates.

• Pleasure use or commuting – The higher the mileage driven each year the higher your rates will be. Almost all companies apply a rate based on their usage. Autos not used for work or commuting get more affordable rates than vehicles that have high annual mileage. Having an incorrect usage rating on your PT Cruiser is throwing money out the window. Make sure your car insurance policy shows the right rating data.
• Discounts for married couples – Your spouse may cut your premiums on your car insurance policy. Having a significant other demonstrates that you tend to be more stable financially and insurance companies reward insureds because drivers who are married file infrequent claims.
• Where you live – Having an address in areas with lower population may provide you with better prices when buying car insurance. Residents of big cities regularly have more aggressive driving styles and much longer commute distances. Fewer drivers and short commutes translates into fewer accidents.
• You might want pay the inexpensive claims yourself – Car insurance companies award discounts to drivers who file claims infrequently. If you’re an insured who likes to file claims you can look forward to much higher rates or policy non-renewal. Your car insurance is meant to be used in the event of more catestrophic claims.
• Men drivers tend to cost more – Statistics have proven women tend to be less risk to insure than men. The data does not necessarily mean that females are better drivers. Males and females tend to get into fender benders in similar percentages, but males tend to have higher claims. Not only are claims higher, but men receive more major tickets like DUI and reckless driving.
• Do you work long hours in a stressful occupation? – Do you work in a high-stress field? Jobs like military generals, executives and stock brokers generally pay higher rates than the rest of us in part from intense work requirements and incredibly demanding work hours. Other careers such as scientists, engineers and retirees have the lowest average rates for PT Cruiser insurance.

Shop car insurance online

All major car insurance companies allow consumers to get coverage price quotes directly from their websites. Comparing rates online is easy for anyone as you just enter your coverage preferences into a form. After you submit the form their system obtains your driving record and credit report and returns a price quote based on these factors. Online quotes makes it a lot easier to compare rates but having to visit a lot of sites and fill out multiple forms is repetitive and time-consuming. But it is imperative to compare as many rates as possible if you want to find the best price on car insurance.

The easy way to compare rates

The quickest way to get multiple rate quotes utilizes a single form to obtain quotes from several companies at one time. The form is fast, requires less work, and makes comparison shopping much more enjoyable and efficient. As soon as you send your information, it is quoted and you can select any of the quotes returned. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. The entire process only takes a few minutes and you will find out if you’re overpaying now.

To fill out one form to compare multiple rates now, click here to open in a new tab and fill out the form. If you currently have coverage, we recommend you enter your coverages just like they are on your policy. Using the same limits helps guarantee you will get a rate comparison using the exact same coverages.

Save money with these auto insurance discounts

Some insurance providers don’t always advertise the entire discount list in a way that’s easy to find, so the following list contains a few of the more common and the harder-to-find discounts that may be available.

• Senior Discount – If you qualify as a senior citizen, you are able to get reduced rates for PT Cruiser insurance.
• Seat Belt Discounts – Drivers who require all occupants to buckle their seat belts can save a little on the medical payments or PIP coverage costs.
• Clubs and Organizations – Being a member of a qualifying organization is a good way to get lower rates when getting a insurance coverage quote.
• Early Switch Discount – Select insurance companies give a discount for signing up early. You may see this discount when you get insurance coverage quotes online.
• Save with a New Car – Insuring a new car is cheaper because newer vehicles have to meet stringent safety requirements.
• ABS Brakes – Cars and trucks with anti-lock braking systems can avoid accidents and will save you 10% or more.
• Life Insurance – If the company offers life insurance, you could get a small discount if you purchase some life insurance too.
• Distant Student – Children who live away from home to go to college and leave their car at home may be insured at a cheaper rate.
• Drive Safe and Save – Drivers without accidents can save as much as half off their rates for PT Cruiser insurance than less cautious drivers.

It’s important to note that some of the credits will not apply to the entire policy premium. Most only cut individual premiums such as medical payments or collision. Just because it seems like having all the discounts means you get insurance for free, that’s just not realistic.

Popular auto insurance companies and their possible discounts are shown below.

• Esurance discounts include claim free, safety device, DriveSense, renters, anti-lock brakes, online shopper, and online quote.
• The Hartford includes discounts for anti-theft, air bag, bundle, good student, and vehicle fuel type.
• AAA has savings for good student, pay-in-full, multi-car, AAA membership discount, multi-policy, and anti-theft.
• Geico offers discounts for defensive driver, daytime running lights, driver training, multi-vehicle, and five-year accident-free.
• State Farm may offer discounts for Drive Safe & Save, student away at school, passive restraint, anti-theft, multiple autos, and driver’s education.

When comparing rates, check with every company what discounts are available to you. All car insurance discounts may not apply to policies in your area. For a list of auto insurance companies that offer multiple discounts, click here to view.

Insurance coverage can get complicated

When it comes to buying coverage, there is no perfect coverage plan. Each situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining if your situation will benefit from professional help.

• What if I don’t agree with a claim settlement offer?
• Should I waive the damage coverage when renting a car?
• If I drive on a suspended license am I covered?
• Is other people’s property covered if stolen from my vehicle?
• Why do I need rental car insurance?
• Do I need to file an SR-22 for a DUI in my state?
• Where can I find DUI or SR-22 insurance?
• Does my 2002 Chrysler PT Cruiser need full coverage?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, free and you can get the answers you need.

Information about specific coverages

Having a good grasp of auto insurance can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages available from auto insurance companies.

Comprehensive protection

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like damage from flooding, a tree branch falling on your vehicle, damage from a tornado or hurricane and rock chips in glass. The most a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto collision coverage

Collision insurance pays for damage to your PT Cruiser from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for things such as colliding with a tree, scraping a guard rail and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Medical expense coverage

Med pay and PIP coverage pay for bills for things like nursing services, pain medications and prosthetic devices. They can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Liability insurance

This can cover damages or injuries you inflict on a person or their property. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against claims like court costs, loss of income and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Make a quick buck

When you buy insurance coverage online, you should never buy poor coverage just to save money. Too many times, drivers have reduced full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to find the BEST coverage at the best possible price, not the least amount of coverage.

Budget-conscious 2002 Chrysler PT Cruiser insurance is definitely available both online and from local agencies, so you need to shop insurance coverage with both in order to have the best price selection to choose from. Some insurance companies may not offer the ability to get a quote online and most of the time these small, regional companies only sell coverage through independent insurance agencies.

We just showed you quite a bit of information on how to reduce 2002 Chrysler PT Cruiser insurance rates online. The key thing to remember is the more providers you compare, the higher the chance of saving money. Drivers may discover the biggest savings come from the smaller companies. Some small companies can often provide lower car insurance rates in certain areas than their larger competitors like State Farm, Geico and Nationwide.

To learn more, take a look at the articles below:

• State Car Insurance Guides (Geico)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• Preventing Carjacking and Theft (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• Older Drivers FAQ (iihs.org)