Scraping up a payment for pricey Chrysler PT Cruiser insurance can drain your family’s budget and possibly require you to analyze your spending habits. Multiple car insurance companies compete to insure your vehicles, and it can be difficult to compare rates and uncover the absolute best rate
You need to get comparison quotes yearly because prices are adjusted regularly by insurance companies. Even if you think you had the best quotes for PT Cruiser coverage two years ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance coverage because I’m going to teach you how to use the internet to find lower rates on insurance coverage.
If you are insured now or are just looking to switch companies, you can use these techniques to find the best rates and still get good coverage. Buying car insurance is easy if you know what you’re doing. Drivers only need an understanding of the tricks to compare price quotes online.
Finding a lower price on 2005 Chrysler PT Cruiser insurance is a fairly straight forward process. The only thing you need to do is spend a few minutes comparing rates to find out which insurance company has affordable auto insurance quotes. It’s super easy and can be done in a couple of different ways.
It’s up to you which method you use, but double check that you are using equivalent coverages for each price quote. If you have different coverage information it’s not possible to make an equal comparison.
Car insurance companies do not advertise every disount available very clearly, so we researched both the well known and the harder-to-find discounts that you may qualify for. If you aren’t receiving every discount available, you’re just leaving money on the table.
You should keep in mind that most credits do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way.
Popular auto insurance companies and their offered discounts are detailed below.
Check with each insurance company the best way to save money. Some credits may not apply in every state. To find companies who offer cheap auto insurance quotes, click this link.
Lots of things are used in the calculation when you get a price on insurance. Some factors are common sense like a motor vehicle report, but other criteria are less apparent such as your marital status or your commute time.
When buying adequate coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that may help highlight if your situation will benefit from professional help.
If you’re not sure about those questions but a few of them apply then you might want to talk 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 only takes a few minutes and may give you better protection.
Learning about specific coverages of your insurance policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are typical coverages offered by insurance companies.
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Chrysler PT Cruiser.
Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Most of the time these coverages are set the same as your liablity limits.
Liability car insurance
Liability insurance will cover injuries or damage you cause to other people or property that is your fault. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability insurance covers things such as legal defense fees, bail bonds, attorney fees, medical expenses and loss of income. How much coverage you buy is a decision to put some thought into, but consider buying as large an amount as possible.
Coverage for medical expenses
Med pay and PIP coverage kick in for short-term medical expenses such as hospital visits, X-ray expenses, funeral costs and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible
Collision protection
This coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision coverage protects against things such as colliding with another moving vehicle, driving through your garage door, crashing into a ditch and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.
Comprehensive insurance
Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for things such as a broken windshield, rock chips in glass and vandalism. The maximum amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Low-cost 2005 Chrysler PT Cruiser insurance is attainable both online in addition to many insurance agents, so you need to quote auto insurance with both to have the best rate selection. Some insurance providers don’t offer the ability to get a quote online and most of the time these regional insurance providers only sell coverage through independent insurance agencies.
In this article, we presented a lot of information how to lower your 2005 Chrysler PT Cruiser insurance prices. The key concept to understand is the more rate quotes you have, the better likelihood of getting cheaper auto insurance. You may be surprised to find that the most savings is with a small mutual company. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm, Geico and Nationwide.
Additional insurance coverage information is available at these links:
Odis Dotson
I live just to the south of Oklahoma City, OK. I got free quotes from GEICO, Amica, and some I forget for my PT Cruiser and saved around $400 a year. Was with Mercury. Got better coverage too.
Agueda Wiley
Where is cheaper car insurance? I live on the south side of Rutland, VT. I quoted with Progressive, Auto-Owners, Erie, and Hanover for my Chrysler and cut my rates about $580 a year. I even had a DUI years ago. Online quotes are the way to go.
Ken Cotton
Went with AIG Insurance for my 2005 Chrysler PT Cruiser and saved about $280 a year. Moved home policy as well.
Arnulfo Giles
Anyone buy from Amica? I’m in Worcester, MA.
Adele Nielsen
Liked the article. I’m just south of San Diego, CA. Quoted prices from Allstate, Auto-Owners, Encompass, and GMAC for my Chrysler and I think I cut my rates about $20 each month. Just go online and compare their rates.
Yuette Donovan
If you have a good history and live around Columbia, SC, check out Allstate. I saved quite a bit. Thankfully I have a good driving record.
Clyde Haley
What are minimum liability limits required in Mississippi?
Millard Bryant
Cheapest quote for my 2005 Chrysler PT Cruiser was with Farmers.
Alane Giles
Live in the northern part of Concord, NH. Received rates from AIG Insurance, Nationwide, and USAA for my PT Cruiser and I’m now saving $30 a month. Was with Mercury. I’m a pretty good driver though. I quoted rates online then called them.
Suzanne Head
Quoted with USAA for my Chrysler and saved around $180 a year. Switched homeowners coverage too. Not sure about claim service.
Lynwood Frazier
Enjoyed the article. From Phoenix, AZ. Got quotes from AIG Insurance, Eastwood, and Safeco for my Chrysler and saved $514 a year. Got better coverage too.
Candyce Russell
All companies are crooks. I’m in the south part of Cleveland, OH. Received quotes from State Farm, AAA, Erie, and Hartford for my Chrysler and saved just over $130 a year.
Sherlene Garner
From north side of Honolulu, HI. Got quotes from State Farm, American Family, and some I forget for my Chrysler and saved $520 a year.
Janessa Santos
I live just to the east of Wilmington, DE. Quoted a bunch of companies. Saved about $30 a month. Allstate was the cheapest for me. Insured with 21st Century before.
Gaston Ford
If you have a good history and live near Dallas, Texas, check out Progressive. You might save some money. Was with Travelers. :P
Rafael Pacheco
Here’s my quote info. I’m in Rapid City, SD. Went online for free insurance quotes for a 2005 Chrysler PT Cruiser. Ended up at about $280 savings annually. Went with Progressive.
Mildred Chambers
I live on the east side of North Charleston, SC. Got quotes from Auto-Owners, Mercury, and Travelers for my Chrysler and saved around $530 a year. It’s easy to compare rates online now.
Angelyn Spencer
I compared a lot of rate quotes for a 2005 Chrysler PT Cruiser in Madison, Wisconsin. Ended up at right around $200 every six months with American Family. I have several vehicles insured with them. I quoted rates online then called them.
Cristin Macias
I’m in the suburbs of Norman, OK. Quoted with Auto-Owners, Erie, and Safeco for my Chrysler and saved just over $290 a year. I’m a pretty low risk driver.