Cheaper 2005 Chrysler PT Cruiser Insurance Quotes

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.

How to compare free car insurance quotes

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.

1. One of the best ways consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This quick form prevents you from having to do repetitive form submissions to each individual car insurance company. Completing one form will get you price quotes instantly.
2. A different way to compare rate quotes requires a visit to each individual company website to complete a price quote. For sake of this example, we’ll assume you are doing a rate comparison from State Farm, Safeco and Allstate. You would need to navigate to each company’s site and type in your information over and over, which is not fast way to get rate quotes. To view a list of companies in your area, click here.
3. The least recommended way to compare rates is driving to local insurance agencies. The fact that you can get quotes online makes this unnecessary unless you’re the type of person who wants the trained advice that only an agent can give. It is possible to get prices online but still have the advice of a local agent.

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.

Lower-cost auto insurance rates with discounts

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.

• Passive Restraints – Factory air bags or automatic seat belts could see savings as much as 30%.
• Fewer Miles Equal More Savings – Fewer annual miles on your Chrysler could be rewarded with lower premium rates on the low mileage vehicles.
• Theft Deterent – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems can help prevent theft and will qualify for a discount on a auto insurance quote.
• Safe Driver Discount – Safe drivers can save up to 40% or more on their auto insurance quote for PT Cruiser coverage as compared to drivers with claims.
• Accident Waiver – This isn’t a discount exactly, but companies like Geico, State Farm, and Progressive will turn a blind eye to one accident before raising your premiums so long as you haven’t had any claims for a specific time period.

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.

• Geico includes discounts for driver training, anti-theft, five-year accident-free, good student, military active duty, anti-lock brakes, and daytime running lights.
• Auto-Owners Insurance offers discounts for group or association, multi-policy, paperless, student away at school, safe driver, safe vehicle, and teen driver.
• American Family offers premium reductions for bundled insurance, multi-vehicle, defensive driver, TimeAway discount, early bird, and accident-free.
• Esurance offers discounts including good student, Switch & Save, emergency road assistance, safety device, and online quote.
• Progressive may include discounts for online signing, online quote discount, continuous coverage, good student, and multi-vehicle.
• State Farm may have discounts that include Steer Clear safe driver discount, good driver, Drive Safe & Save, student away at school, and good student.
• AAA has discounts for good driver, AAA membership discount, multi-policy, pay-in-full, and anti-theft.

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.

Smart buyers can reduce insurance rates

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.

• Prices can change based on your address – Living in areas with lower population can be a good thing when it comes to auto insurance. Less people corresponds to lower accident rates and lower theft and vandalism rates. Drivers in populated areas have more traffic problems and more time behind the wheel. More time behind the wheel means more chance of being in an accident.
• Teenagers are high risk – Youthful drivers are known to be inattentive when driving with friends therefore auto insurance rates are much higher. Mature drivers are proven to be safer behind the wheel, are lower risk to insure and are safer drivers.
• Poor credit history equals high rates – Your credit history will be a significant factor in calculating your auto insurance rates. Therefore, if your credit is low, you could save money insuring your 2005 Chrysler PT Cruiser by improving your credit score. People with high credit ratings tend to file fewer claims and have better driving records than drivers with poor credit scores.
• Battle of the sexes – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Both sexes cause at-fault accidents in similar percentages, but men have accidents that have higher claims. They also receive more major tickets like driving under the influence (DUI).
• Discounts for alarm systems – Selecting a car model with advanced anti-theft systems can help lower your premiums. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms all hinder auto theft.
• Liability protection safeguards assets – Liability coverage is the coverage that protects you in the event that a jury decides you are liable for causing damage or personal injury in an accident. It will provide legal defense which can be incredibly expensive. Liability is cheap when compared to the cost of physical damage coverage, so buy as much as you can afford.
• Higher premiums for auto insurance policy lapses – Letting your insurance expire can be a fast way to increase your renewal premiums. Not only will you pay higher rates, getting caught without coverage may result in a revoked license or a big fine.
• Discounts for married drivers – Walking down the aisle may earn you lower rates on your auto insurance bill. It is viewed as being less irresponsible and statistics show married drivers tend to have fewer serious accidents.

Tailor your auto insurance coverage to you

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.

• How do I file an SR-22 for a DUI in my state?
• Is my teenager covered with friends in the car?
• How many claims can I have before being cancelled?
• Do I have coverage when using my vehicle for my home business?
• Do I have newly-aquired coverage?
• Do I need higher collision deductibles?
• Am I better off with higher deductibles on my 2005 Chrysler PT Cruiser?
• Am I getting all the discounts available?
• Do I really need UM/UIM coverage?

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.

Specific coverages for a Chrysler PT Cruiser

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.

Be a Smart Shopper

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:

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• What is Covered by GAP Insurance? (Allstate)
• Event Data Recorders FAQ (iihs.org)