2007 Chrysler PT Cruiser Insurance Cost – 9 Tricks for Cheapest Prices

No one likes buying car insurance, especially when they know their premiums are through the roof.

Big-name insurance companies like Allstate, Liberty Mutual and State Farm increase brand awareness with ad campaigns and it is difficult to separate fact from fiction and find the best price available.

Consumers need to get comparison quotes quite often because car insurance prices tend to go up over time. Even if you think you had the best deal on PT Cruiser coverage last year you can probably find a better premium rate now. Forget all the misinformation about car insurance because I’m going to teach you how to quote online to remove unneeded coverages and save money.

Quote insurance online

When shopping for affordable insurance quotes, there are a couple of ways to obtain and compare prices from many available insurance companies in your state. The quickest method to find the lowest 2007 Chrysler PT Cruiser rates is to jump online and get quotes. This can be accomplished using a couple different methods.

1. The most efficient method consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This style of form saves time by eliminating multiple quote forms for every prospective company. Completing one form gets insurance cost estimates from many national carriers.
2. A harder way to find lower rates requires you to visit the website for each individual company to complete their respective quote request forms. For instance, we’ll assume you want rates from Auto-Owners, State Farm and American Family. You would have to spend time going to each site individually and enter your information, which is why first method is reommended.

   To view a list of companies in your area, click here.

3. The final way to comparison shop rate quotes is to waste gas driving to local insurance agencies. Comparing online rate quotes eliminates this option unless you’re the type of person who wants the professional abilities only provided by licensed agents. It is possible with some companies comparison shop your insurance online but still have the advice of a local agent.

However you get your quotes, try to use exactly the same coverages and limits with each company. If you compare unequal deductibles or liability limits it’s impossible to determine which company has the best rates. Just slight variations in coverage limits may cause a big price difference. And when quoting insurance, remember that comparing a large number of companies increases your odds of finding the best price. Not every company provides online price quotes, so it’s recommended that you also compare price estimates from them as well.

Nine discounts for affordable insurance coverage rates

Insurance coverage is neither fun to buy or cheap, but there’s a good chance there are discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but some must be asked about before you get the savings.

• Claim Free – Good drivers with no accidents can save substantially when compared to drivers with a long claim history.
• Save with More Vehicles Insured – Purchasing coverage when you have multiple cars with the same company can get a discount on all vehicles.
• Air Bag Discount – Cars that have air bags or motorized seat belts may earn rate discounts of up to 25% or more.
• Discount for Multiple Policies – If you can combine your home and auto policy and insure them both with the same insurance company you will save approximately 10% to 15%.
• Distant Student Discount – Children who live away from home at college and won’t have access to an insured vehicle may qualify for this discount.
• Defensive Driver Discounts – Successfully completing a course teaching defensive driver skills could save 5% or more and easily recoup the cost of the course.
• Driver’s Ed – Reduce the cost of insurance for teen drivers by having them complete a driver education course in high school.
• Safety Restraint Discount – Drivers who require all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Switch and Save Discount – A few insurance companies offer discounts for buying a policy prior to your current policy expiring. You may see this discount when you get insurance quotes online.

Discounts lower rates, but most discounts do not apply to your bottom line cost. The majority will only reduce individual premiums such as collision or personal injury protection. Despite the appearance that you can get free auto insurance, you’re out of luck. Any qualifying discounts will definitely lower your overall bill.

Some of the insurance companies that possibly offer these discounts possibly include:

• Mercury Insurance
• Farmers Insurance
• Farm Bureau
• State Farm
• Allstate
• Geico

It’s a good idea to ask every prospective company which discounts you qualify for. Some discounts may not be available in every state.

You may need specialized insurance coverage coverage

When it comes to buying coverage for your personal vehicles, there really is no perfect coverage plan. Each situation is unique and your policy should reflect that. For example, these questions may help highlight whether you would benefit from professional advice.

• Is a fancy paint job covered?
• Are my friends covered when driving my car?
• Am I covered if I crash into my own garage door?
• Exactly who is provided coverage by my policy?
• Will I be non-renewed for getting a DUI or other conviction?
• Why does it cost so much to insure a teen driver?
• Does medical payments coverage apply to all occupants?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Car insurance 101

Having a good grasp of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages offered by insurance companies.

Auto collision coverage

Collision coverage covers damage to your PT Cruiser resulting from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as scraping a guard rail, hitting a parking meter, colliding with another moving vehicle, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family and also any damage incurred to your Chrysler PT Cruiser.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance reimburse you for expenses like nursing services, funeral costs, pain medications and EMT expenses. They can be used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a deer, damage from flooding, a tree branch falling on your vehicle, rock chips in glass and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto liability insurance

Liability insurance provides protection from damages or injuries you inflict on other’s property or people. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 which means $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against claims such as medical services, structural damage, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying higher limits if possible.

At the end of the day…

You just learned some good ideas how you can get a better price on 2007 Chrysler PT Cruiser insurance. The key thing to remember is the more companies you get prices for, the higher the chance of saving money. You may even find the biggest savings come from the smaller companies. Some small companies often have lower prices on specific markets compared to the large companies like State Farm, Geico and Nationwide.

As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There are too many instances where an insured cut full coverage only to find out that it was a big mistake. The ultimate goal is to buy a smart amount of coverage for the lowest cost, but don’t skip important coverages to save money.

More information can be found at the links below

• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Understanding Rental Car Insurance (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Neck Injury FAQ (iihs.org)
• Coverage Information (Progressive Insurance)
• Older Driver Statistics (Insurance Information Insitute)