Cheaper 2008 Chrysler PT Cruiser Car Insurance Rates

Have you fallen victim to high-priced insurance? You’re preaching to the choir because many consumers are in the same pinch.

People have so many auto insurance companies to insure vehicles with, and even though it’s nice to have a selection, having more insurers makes it harder to find the best rates.

It is always a good idea to do rate comparisons quite often because insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the best price on PT Cruiser coverage a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because you’re about to learn the best way to find lower rates on insurance.

More discounts mean cheaper premiums

Not many people think insurance is cheap, but there could be significant discounts that could drop your premiums quite a bit. Some trigger automatically when you quote, but lesser-known reductions have to be requested specifically prior to receiving the credit.

• Good Grades Discount – Maintaining excellent grades can be rewarded with saving of up to 25%. Most companies allow this discount up until you turn 25.
• Multi-Vehicle Discounts – Drivers who insure primary and secondary vehicles with one company can get a discount for every vehicle.
• Anti-lock Brake Discount – Cars, trucks, and SUVs that have anti-lock braking systems can stop better under adverse conditions so companies give up to a 10% discount.
• Use Seat Belts – Buckling up and requiring all passengers to buckle up could cut 10% or more off the medical payments premium.
• Resident Student – Children who are attending college and don’t have a car could get you a discount.

It’s important to understand that some credits don’t apply to the entire policy premium. Most only reduce specific coverage prices like medical payments or collision. So when the math indicates you could get a free insurance policy, it’s just not the way it works.

Insurance companies who may offer most of the discounts above possibly include:

• State Farm
• Geico
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

Before buying, ask each company or agent which discounts you may be entitled to. Some discounts listed above may not be available in your area. To see companies with discount insurance rates, click this link.

It’s not one size fits all

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different and your policy should reflect that. These are some specific questions might help in determining whether or not you will benefit from professional help.

• Am I covered if I break a side mirror?
• How high should my uninsured/underinsured coverage be in my state?
• Should I waive the damage coverage when renting a car?
• Do I need higher collision deductibles?
• Is business property covered if stolen from my car?
• Is a fancy paint job covered?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

The insurance bait and switch

Popular insurance providers such as Allstate and Progressive continually stream television and radio advertisements. All the ads tend to make the same promise about saving some big amount if you change your policy. How do they all make almost identical claims? This is how they do it.

Insurance companies quote the lowest rates for the type of driver that is profitable for them. A good example of a desirable risk may be a mature driver, has never had a claim, and has great credit. Anyone who fits those characteristics will qualify for the lowest prices and therefore will save when switching.

Potential insureds who fall short of the requirements will get higher premiums and the customer buying from someone else. If you pay attention, the ads say “drivers who switch” not “all people who quote” can save as much as they claim. That’s the way insurance companies can make claims like that. Because every company is different, you really need to get as many free auto insurance quotes as possible. It is impossible to guess which insurance companies will have the best prices at this point in time.

The coverage is in the details

Learning about specific coverages of insurance aids in choosing appropriate coverage and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the usual coverages found on the average insurance policy.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for things like ambulance fees, rehabilitation expenses, doctor visits, dental work and hospital visits. They are utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hitting a bird, hail damage, damage from a tornado or hurricane, theft and falling objects. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverage

Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

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 policy limits of 25/50/25 which means $25,000 in coverage for each person’s 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 things like court costs, medical services, bail bonds, repair bills for other people’s vehicles and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

UM/UIM Coverage

This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2008 Chrysler PT Cruiser.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Collision coverage protection

Collision insurance pays for damage to your PT Cruiser caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims like sideswiping another vehicle, scraping a guard rail and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Shop. Compare. Save.

In this article, we presented quite a bit of information on how to lower your 2008 Chrysler PT Cruiser insurance car insurance rates. It’s most important to understand that the more quotes you get, the better your comparison will be. You may even discover the lowest priced auto insurance comes from a smaller regional carrier. Some small companies can often insure niche markets at a lower cost compared to the large companies like State Farm and Allstate.

There are still a few companies who may not provide price quotes online and these smaller companies only sell coverage through independent agencies. Cost effective 2008 Chrysler PT Cruiser insurance is definitely available on the web as well as from independent agents, and you should compare price quotes from both to have the best selection.

More information is available at the links below

• Safe Vehicles for Teens (iihs.org)
• Help Your Teen Be a Better Driver (State Farm)
• Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)