2006 Chrysler PT Cruiser Insurance Quotes – 8 Ways to Save

Paying for high-priced Chrysler PT Cruiser insurance can dwindle your savings account and force you to prioritize other expenses. Shopping your coverage around is free, only takes a few minutes, and is a good way to lower your monthly bill. You have multiple insurance companies to choose from, and although it’s a good thing to be able to choose, so many choices can make it hard to compare rates and find the lowest cost car insurance.

Consumers need to compare rates quite often since insurance rates tend to go up over time. Despite the fact that you may have had the best rates on PT Cruiser insurance on your last policy other companies may now be cheaper. So block out anything you think you know about car insurance because it’s time to teach you the easiest way to save on car insurance.

Take these eight discounts and save

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not know about. Some trigger automatically when you get a quote, but some must be specially asked for before you get the savings. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Lower Rates for Military – Having a deployed family member could mean lower rates.
  • Good Students Pay Less – This discount can be rewarded with saving of up to 25%. This discount can apply until age 25.
  • Paperless Signup – A handful of insurance companies will give a small break for buying your policy on their website.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying monthly you can actually save on your bill.
  • Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on PT Cruiser insurance than their less cautious counterparts.
  • Low Mileage Discounts – Low mileage vehicles could qualify for better rates on cars that stay parked.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get better insurance coverage rates on PT Cruiser insurance.
  • Federal Employees – Simply working for the federal government can earn a discount up to 10% on PT Cruiser insurance depending on your company.

Drivers should understand that some of the credits will not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like liability and collision coverage. Just because it seems like all those discounts means the company will pay you, it just doesn’t work that way. But all discounts will bring down your overall premium however.

Car insurance companies that may have these money-saving discounts include:

Before buying, ask every prospective company how you can save money. All car insurance discounts might not be offered in your state.

How to Compare Insurance Coverage Costs

All the larger insurance coverage companies like Allstate and Progressive give prices online. Getting quotes is pretty painless as you just type in your coverage information into a form. Once entered, their rating system pulls credit information and your driving record and quotes a price determined by many factors. Quoting online streamlines rate comparisons, but the time it takes to visit many different websites and fill out multiple forms is not the best way to spend an afternoon. But it’s absolutely necessary to have as many quotes as possible in order to find the best price possible.

Rate comparisons made easy

The quickest way to find cheaper rates uses one simple form that gets prices from several companies at one time. The form is fast, eliminates repetitive work, and makes comparison shopping much more enjoyable. Once the form is submitted, it gets priced and you can choose any of the quotes returned.

If a lower price is quoted, you can simply submit the application and buy the new coverage. The entire process takes less than 15 minutes and may save quite a bit of money.

To find out how much you can save on insurance coverage, click here to open in new window and fill out the form. If you have your current policy handy, we recommend you enter deductibles and limits as close as possible to your current policy. This way, you will receive a rate comparison for the exact same coverage.

Which policy gives me the best coverage?

When it comes to choosing the right insurance coverage, there is no “best” method to buy coverage. Every situation is different so your insurance should reflect that Here are some questions about coverages that may help highlight whether you will benefit from professional help.

  • Should I buy full coverage?
  • Is my 2006 Chrysler PT Cruiser covered for flood damage?
  • Is my trailer covered?
  • Am I covered if hit by an uninsured driver?
  • How can I find cheaper teen driver insurance?
  • Am I covered if I drive in a foreign country?
  • Does my car insurance cover rental cars?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It’s fast, free and can help protect your family.

Auto insurance coverage basics

Learning about specific coverages of a auto insurance policy can be of help when determining appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages found on most auto insurance policies.

Auto liability insurance – This coverage provides protection from damages or injuries you inflict on a person or their property that is your fault. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as court costs, pain and suffering, emergency aid and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Chrysler PT Cruiser.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are similar to your liability insurance amounts.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like hospital visits, surgery, EMT expenses and pain medications. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like hitting a deer, hitting a bird, fire damage, a broken windshield and damage from getting keyed. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage – This coverage covers damage to your PT Cruiser resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a building, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Best coverage at the best price

When buying insurance coverage, don’t be tempted to reduce coverage to reduce premium. There are too many instances where someone dropped uninsured motorist or liability limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at a price you can afford, not the least amount of coverage.

Cost effective 2006 Chrysler PT Cruiser insurance is possible both online as well as from independent agents, so compare prices from both to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and many times these small insurance companies only sell through independent insurance agents.

In this article, we presented a lot of information how to get a better price on insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced car insurance comes from a small local company. Smaller companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, Geico and Nationwide.

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