2003 Chrysler PT Cruiser Insurance Quotes

Searching for lower auto insurance rates for your Chrysler PT Cruiser? Did you make the mistake of buying overpriced auto insurance? Don’t feel bad because there are lots of residents who feel the same. Big-name insurance companies like Geico, 21st Century and Progressive all claim big savings with fancy advertisements and it is challenging if not impossible to see through the cute green geckos and mayhem and find the best price available.

You need to do rate comparisons periodically due to the fact that insurance prices are variable and change quite frequently. Just because you had the lowest price on PT Cruiser coverage a year ago you can probably find a better rate quote now. There are lots of tips to save on auto insurance online, but we’re going to give you the best ways to put money back in your pocket.

Find hidden discounts on insurance

Some insurance providers don’t necessarily list the entire discount list in an easy-to-find place, so the list below details a few of the more common and the harder-to-find insurance savings.

• Safety Course Discount – Successfully completing a class that teaches safe driver techniques could save 5% or more if you qualify.
• Telematics Devices – People who choose to allow driving data collection to look at where and when they drive by using a telematics device in their vehicle like Allstate’s Drivewise may get a rate reduction if they exhibit good driving behavior.
• Distant College Student Discount – Kids who are enrolled in higher education away from home and don’t have a car could qualify for this discount.
• Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn better insurancerates if you take out life insurance from them.
• Discount for Swiching Early – Some insurance companies reward drivers for buying a policy before your current expiration date. It’s a savings of about 10%.
• Low Miles Discount – Fewer annual miles on your Chrysler could qualify for substantially lower prices.

Just know that some credits don’t apply to the entire cost. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. But any discount should help lower the amount you pay for coverage.

A list of companies and a summarized list of policyholder discounts can be found below.

• Farmers Insurance discounts include pay in full, mature driver, distant student, electronic funds transfer, multi-car, good student, and business and professional.
• Esurance offers premium reductions for defensive driver, DriveSense, renters, paid-in-full, and emergency road assistance.
• State Farm may offer discounts for passive restraint, defensive driving training, Steer Clear safe driver discount, anti-theft, and good student.
• Geico includes discounts for good student, federal employee, multi-policy, membership and employees, driver training, and military active duty.
• Allstate has savings for anti-lock brakes, good payer, resident student, safe driver, senior citizen, economy car, and good student.

When getting a coverage quote, ask every insurance company which discounts you qualify for. Savings might not be offered on policies in your area. If you would like to choose from a list of insurance companies offering insurance discounts, click here.

Tailor your car insurance coverage to you

When it comes to choosing the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s needs are different so your insurance needs to address that. For example, these questions might help in determining if your insurance needs may require specific advice.

• Can I make deliveries for my home business?
• Will filing a claim cost me more?
• Am I covered by my spouse’s policy after a separation?
• Am I covered if I break a side mirror?
• Why do I only qualify for high-risk insurance?
• Do I need more liability coverage?
• How high should my uninsured/underinsured coverage be in my state?
• What happens if I owe more than my 2003 Chrysler PT Cruiser is worth?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t get away from all the ads for the lowest price auto insurance from companies such as 21st Century, Allstate and State Farm. All the companies advertise claims of big savings if you change your auto insurance policy to them.

Is it even possible that every company can say the same thing? This is the trick they use.

Insurance providers quote the lowest rates for the driver that will be a good risk. A good example of this type of insured might be between 25 and 40, has no prior claims, and drives less than 7,500 miles a year. A customer getting a price quote that matches those criteria is entitled to the best price as well as cut their rates substantially.

Drivers who don’t meet these standards may receive higher rates and this results in the driver buying from a lower-cost company. If you pay attention, the ads say “customers that switch” not “everybody who quotes” can save as much as they claim. That’s the way companies can truthfully advertise the way they do. Because each company has a different risk profile, you really should get price quotes at each policy renewal. It’s not possible to predict the company that will have the best rates for your profile.

Auto insurance coverage information

Having a good grasp of your insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and coverage can change by endorsement. Shown next are the usual coverages offered by insurance companies.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for immediate expenses for prosthetic devices, ambulance fees, doctor visits, chiropractic care and rehabilitation expenses. They can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Collision – This coverage covers damage to your PT Cruiser from colliding with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a ditch, driving through your garage door and rolling your car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Coverage for liability – This coverage can cover injuries or damage you cause to other people or property. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like court costs, legal defense fees, repair costs for stationary objects and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance – This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, falling objects, theft, fire damage and a tree branch falling on your vehicle. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers – Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Chrysler PT Cruiser.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important.

A little work can save a LOT of money

Budget-conscious 2003 Chrysler PT Cruiser insurance can be purchased from both online companies and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some car insurance companies may not provide online quoting and these smaller companies work with independent agencies.

We’ve covered a lot of techniques to lower your 2003 Chrysler PT Cruiser insurance rates. The most important thing to understand is the more providers you compare, the higher your chance of finding cheaper car insurance. You may even find the lowest rates are with the least-expected company. Some small companies can often provide lower auto insurance rates in certain areas as compared to the big name companies such as Allstate and Progressive.

More detailed car insurance information can be found by following these links:

• Cellphones, Texting and Driving (iihs.org)
• Neck Injury FAQ (iihs.org)
• How to Avoid Staged Accidents (State Farm)
• Keeping Children Safe in Crashes Video (iihs.org)
• Understanding Rental Car Insurance (Insurance Information Insitute)