How Much Does 2004 Chrysler PT Cruiser Insurance Cost?

Feel like you’re a prisoner to overpriced auto insurance? Don’t feel bad because there are many consumers feeling the pinch from expensive auto insurance. Companies like Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with ad campaigns and consumers find it hard to see through the deception and take the time to shop coverage around.

It’s a good idea to compare prices as often as possible because auto insurance prices change regularly. If you had the best deal on PT Cruiser coverage a couple years back the chances are good that you can find a lower premium rate today. Block out anything you think you know about auto insurance because you’re about to learn the tricks you need to know to buy cheaper auto insurance.

Ways to get car insurance quotes

All major car insurance companies like State Farm, Allstate and Geico make it easy to get pricing online. Obtaining pricing doesn’t take much effort as you simply enter the coverages you want into the quote form. When complete, the system requests credit information and your driving record and generates pricing information based on the information you submitted. Online price estimates streamlines rate comparisons, but the time required to go to multiple sites and type in the same information can be a bit tiresome and repetitive. But it’s absolutely necessary to perform this step in order to find the lowest car insurance rates.

Rate comparisons made easy

A quicker way to lower your rates uses one simple form to return rates from many companies. It’s a real time-saver, reduces the work, and makes rate comparisons much easier. As soon as you send your information, it gets priced and you can choose any or none of the price quotes you receive. If one or more price quotes are lower than your current rates, you can click and sign and buy the policy. This process takes less than 15 minutes and you’ll know if lower rates are available.

To save time and compare rates using this form now, click here to open in a new tab and enter your vehicle and coverage information. To compare your current rates, we recommend you type in the insurance coverages identical to your current policy. This makes sure you will have a fair comparison using the exact same coverages.

Will just any policy work for me?

When it comes to buying the right insurance coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions can help discover if your situation will benefit from professional help.

• How high should my medical payments coverage be?
• Do I have any recourse if my insurance company denies a claim?
• Are rental cars covered under my policy?
• When can my company non-renew my policy?
• Does my car insurance cover rental cars?
• If my 2004 Chrysler PT Cruiser is totaled, can I afford another vehicle?
• Is a blown tire covered by insurance?
• Am I covered if I hit my neighbor’s mailbox?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Specifics of your auto insurance policy

Learning about specific coverages of auto insurance can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from auto insurance companies.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for bills for pain medications, X-ray expenses, prosthetic devices, rehabilitation expenses and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your Chrysler PT Cruiser.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive coverage (or Other than Collision) – This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hail damage, fire damage, damage from flooding and vandalism. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for liability – Liability insurance will cover damage that occurs to people or other property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits 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 a limit of $25,000 paid for damaged property.

Liability can pay for claims such as repair bills for other people’s vehicles, structural damage and medical services. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Collision coverage – Collision insurance will pay to fix damage to your PT Cruiser caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as damaging your car on a curb, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.