View 2009 Chrysler PT Cruiser Insurance Cost

Searching for the cheapest insurance coverage rates for your Chrysler PT Cruiser? Price shopping your Driversinsurance coverage is always hard for drivers who are beginners to online price comparisons. There are so many options that it can be a difficult mission to find the best rates.

You should take the time to price shop coverage as often as possible since prices tend to go up over time. Just because you found the lowest price for PT Cruiser insurance six months ago you will most likely find a better rate today. Ignore everything you know about insurance coverage because you’re about to find out the fastest way to buy cheaper insurance coverage.

Auto Insurance Discounts

Auto insurance is expensive, but you may qualify for discounts to reduce the price significantly. Certain discounts will be applied when you complete an application, but some discounts are required to be inquired about before you will receive the discount.

• Passive Restraint Discount – Factory options such as air bags or motorized seat belts may get savings of 20 to 30 percent.
• Online Discount – Certain larger companies may give you up to $50 simply for signing on their website.
• Theft Deterent System – Vehicles that have factory alarm systems and tracking devices are less likely to be stolen and earn discounts up to 10% off your auto insurance quote.
• No Accidents – Drivers with accident-free driving histories pay much less as opposed to bad drivers.
• Onboard Data Collection – Policyholders that allow companies to analyze their driving habits by using a telematics device in their vehicle such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they show good driving skills.
• Senior Citizens – If you qualify as a senior citizen, you could receive reduced rates for PT Cruiser insurance.
• Discount for Low Mileage – Low annual miles may allow you to get slightly better premium rates than normal.
• Government Employee Discount – Active or former government employment can save as much as 8% for PT Cruiser insurance with some auto insurance companies.
• Active Service Discounts – Having a deployed family member may lower your auto insurance rates slightly.
• Discount for Life Insurance – Select companies reward you with a discounted premium rate on car insurance if you buy some life insurance too.

Don’t be surprised that most discount credits are not given the the whole policy. Some only reduce specific coverage prices like comp or med pay. Despite the fact that it seems like you could get a free auto insurance policy, auto insurance companies aren’t that generous. Any qualifying discounts will positively reduce your auto insurance premiums.

Some companies that may offer most of the discounts above include:

• Farm Bureau
• MetLife
• Progressive
• AAA
• American Family
• Geico
• State Farm

When getting free auto insurance quotes, it’s a good idea to every insurance company how many discounts you can get. Discounts may not apply to policyholders in your area.

Buy Chrysler PT Cruiser insurance at a discount

Multiple criteria are taken into consideration when quoting car insurance. A few of the factors are predictable like your driving record, but other criteria are not as apparent such as your marital status or your commute time.A large part of saving on insurance coverage is knowing the factors that are used to determine the level of your policy premiums. If you have a feel for what determines base rates, this allows you to make educated decisions that can help you get cheaper rates.

• Prevent insurance coverage lapses – Allowing your coverage to lapse can be a quick way to bump up your insurance coverage costs. In addition to paying higher premiums, getting caught without coverage might get you a license revocation or jail time. You will then be forced to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.
• Reduce prices by driving safer vehicles – Safer cars tend to have better insurance rates. Vehicles engineered for safety reduce injuries and any reduction in injury severity translates directly to fewer claims which can mean better rates for you. If the Chrysler PT Cruiser is rated at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
• Drive less and get lower premiums – The more you drive your Chrysler every year the higher your rates will be. A lot of insurance companies charge rates based on their usage. Vehicles used primarily for pleasure use receive better premium rates than vehicles that have high annual mileage. It’s a good idea to make sure your insurance coverage coverage is showing the correct driver usage. An improperly rated PT Cruiser may be wasting your money.
• Don’t skimp on liability protection – Liability insurance will protect you when you are ruled to be at fault for causing damage or personal injury in an accident. It provides you with a defense in court which can cost a lot. It is affordable coverage compared to insuring for physical damage coverage, so do not skimp.
• Alarms and GPS tracking lowers insurance coverage rates – Purchasing a vehicle with a theft deterrent system can save you some money. Systems that thwart theives such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent vehicle theft.
• Do you know your comp and collision deductibles? – Deductibles for physical damage define how much you are willing to pay before a claim is paid by your company. Physical damage coverage, aka comp and collision, insures against damage to your car. Some coverage claims could be colliding with a stationary object, animal collisions, and damage caused by road hazards. The larger the amount you are required to pay out-of-pocket, the less money you will pay for insurance coverage for PT Cruiser insurance.
• Accidents inflate rates – Attentive drivers tend to pay less for car insurance than people who have multiple driving citations. Even one driving citation can bump up the cost by as much as twenty percent. Drivers who have received careless tickets like reckless driving, hit and run or driving under the influence are required to submit a SR-22 form to the state department of motor vehicles in order to keep their license.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions might help in determining if your insurance needs would benefit from professional advice.

• Is my state a no-fault state?
• How much liability coverage do I need in my state?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Is there coverage for injuries to my pets?
• What is the ISO rating for a 2009 Chrysler PT Cruiser?
• How high should my medical payments coverage be?
• I have good health insurance, so how much medical payments coverage do I need?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Specifics of your insurance policy

Learning about specific coverages of your insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, falling objects, hail damage, damage from getting keyed and damage from flooding. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability – Liability insurance provides protection from injuries or damage you cause to a person or their property in an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability insurance covers things like emergency aid, loss of income, medical expenses, pain and suffering and medical services. The amount of liability coverage you purchase is a personal decision, but buy higher limits if possible.

Collision coverage – This coverage will pay to fix damage to your PT Cruiser resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things like colliding with a tree, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like chiropractic care, funeral costs, ambulance fees and hospital visits. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chrysler PT Cruiser.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

A penny earned…

More affordable auto insurance can be bought from both online companies and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers do not provide internet price quotes and many times these smaller companies only sell through independent insurance agencies.

We just showed you a lot of tips how to compare 2009 Chrysler PT Cruiser insurance car insurance rates online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding affordable auto insurance. You may even discover the best price on auto insurance is with an unexpected company.

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. In too many instances, someone dropped liability limits or collision coverage only to regret they didn’t purchase enough coverage. Your objective should be to buy a smart amount of coverage at the best possible price, but don’t skip important coverages to save money.

More resources

• Safety Tips for Teen Drivers (Insurance Information Insitute)
• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Bodily Injury Coverage (Liberty Mutual)
• Distracted Driving Extends Beyond Texting (State Farm)