View 2006 Chrysler PT Cruiser Car Insurance Rates

Want lower car insurance rates for your Chrysler PT Cruiser? Wish you could get a refund on overpriced car insurance? You’re in good company because many consumers are in the same pinch. Consumers have so many insurers to insure vehicles with, and although it’s a good thing to have a selection, it can be more challenging to get the best deal.

It’s important to take a look at other company’s rates at least once a year because car insurance rates are usually higher with each renewal. Even if you got the best deal on PT Cruiser insurance a few years ago a different company probably has better prices today. There are a lot of ways to save on car insurance on the internet, but you can learn some solid techniques on how to find cheap car insurance.

Buying car insurance is easy if you know what you’re doing. If you have a current auto insurance policy or need a new policy, you can learn to cut your premiums and possibly find even better coverage. Vehicle owners just need to understand the most effective way to compare company rates online.

These discounts can lower insurance rates

Not too many consumers would say insurance is affordable, but there could be available discounts that you may not even be aware of. Certain discounts will be triggered automatically when you complete an application, but lesser-known reductions have to be specially asked for before you will receive the discount. If they aren’t giving you every credit possible, it’s possible you qualify for a lower rate.

• Theft Deterent – Vehicles that have factory anti-theft systems help deter theft and that can save you a little bit as well.
• Claim-Free Discount – Insureds who avoid accidents and claims pay less as compared to frequent claim filers.
• Own a Home and Save – Just owning your own home can get you a discount since owning and maintaining a home requires a higher level of personal finance.
• Paperwork-free – A handful of larger companies may give you up to $50 shop insurance coverage digitally online.
• First Accident Forgiveness – Not necessarily a discount, but companies like Geico and Allstate permit an accident without getting socked with a rate hike as long as you don’t have any claims for a particular time prior to the accident.
• Good Student Discount – This discount can save 20 to 25%. Most companies allow this discount up to age 25.
• Savings for New Vehicles – Insuring a new car can cost up to 25% less because new vehicles have to meet stringent safety requirements.
• Payment Method – By paying your policy upfront instead of paying each month you may have a lower total premium amount.
• Resident Student – Youth drivers who live away from home at college and do not take a car to college may qualify for this discount.
• Seat Belt Discounts – Forcing all vehicle occupants to buckle up before driving can save a little off the personal injury premium cost.

We need to note that many deductions do not apply to the entire cost. Most cut the price of certain insurance coverages like collision or personal injury protection. Just because it seems like having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts should definitely cut your insurance premiums.

Companies and a partial list of their discounts can be found below.

• 21st Century offers premium reductions for theft prevention, driver training, air bags, student driver, and homeowners.
• State Farm includes discounts for safe vehicle, multiple policy, driver’s education, accident-free, and Drive Safe & Save.
• AAA has discounts for multi-policy, AAA membership discount, multi-car, anti-theft, good student, and education and occupation.
• Liberty Mutual offers discounts including preferred payment discount, multi-policy, newly retired, newly married, teen driver discount, and new vehicle discount.
• Progressive may have discounts that include homeowner, online signing, multi-policy, online quote discount, and multi-vehicle.

When comparing rates, check with every insurance company the best way to save money. Depending on the company, some discounts might not be available to policyholders in your area. If you would like to choose from a list of insurance companies who offer free insurance quotes, click here to view.

When do I need an agent’s advice?

When it comes to buying adequate coverage, there really is not a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that may help you determine if your insurance needs might need an agent’s assistance.

• Do all my vehicles need collision coverage?
• Am I covered when using my vehicle for business?
• Can I get a multi-policy discount?
• Are rock chip repairs covered?
• What is high-risk coverage and where do I buy it?
• Do I need medical payments coverage since I have good health insurance?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Information about specific coverages

Learning about specific coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages available from insurance companies.

Collision coverage – Collision insurance covers damage to your PT Cruiser caused by collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as scraping a guard rail, sustaining damage from a pot hole, sideswiping another vehicle, damaging your car on a curb and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Liability coverage – This will cover damage or injury you incur to people or other property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

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

Liability coverage pays for claims like bail bonds, court costs and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like X-ray expenses, doctor visits and pain medications. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your 2006 Chrysler PT Cruiser.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverages – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a broken windshield, hitting a bird, damage from a tornado or hurricane and theft. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

And the best car insurance company is…

You just read many ways to compare 2006 Chrysler PT Cruiser insurance car insurance rates online. The key thing to remember is the more companies you get premium rates for, the better likelihood of getting the cheapest insurance coverage. Consumers may even find the most savings is with a smaller regional carrier. They may cover specific market segments cheaper than the large multi-state companies such as Progressive and Geico.

More affordable insurance coverage can be found on the web and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not provide rates over the internet and usually these smaller companies provide coverage only through independent agencies.

To learn more, link through to the articles below:

• Side Impact Crash Tests (iihs.org)
• Crash Avoidance Technologies FAQ (iihs.org)
• Insuring a Leased Car (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)
• Credit Impacts Car Insurance Rates (State Farm)
• What if I Can’t Find Coverage? (Insurance Information Insitute)