View 2007 Chrysler PT Cruiser Insurance Cost

Trying to find lower car insurance rates for your Chrysler PT Cruiser? Feel like you’re a prisoner to high-priced car insurance? Trust us, many consumers feel financially strained by their car insurance policy. Consumers have many auto insurance companies to pick from, and even though it’s nice to have a choice, lots of choices makes it harder to find the best rates for your vehicles.

It is always a good idea to take a look at other company’s rates quite often due to the fact that insurance rates tend to go up over time. Despite the fact that you may have had the best price on PT Cruiser insurance on your last policy other companies may now be cheaper. Don’t believe everything you read about car insurance on the web, but by reading this article, you’re going to learn some great ideas on how to reduce your car insurance bill.

Pay less for Chrysler PT Cruiser insurance

Auto insurance companies don’t always publicize all their discounts very well, so we break down both the well known and the more hidden car insurance savings. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • E-sign – Certain companies will give a small break for buying your policy over the internet.
  • Use Seat Belts – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you may earn up to 20% off your total premium.
  • Homeowners Savings – Simply owning a home may trigger a car insurance policy discount because maintaining a house requires personal responsibility.
  • Save with a New Car – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.

Drivers should understand that most discounts do not apply to the entire cost. Most only cut specific coverage prices like comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, you’re out of luck.

For a list of insurance companies offering car insurance discounts, click here.

These factors can influence Chrysler PT Cruiser insurance rates

An important part of buying insurance is that you know the different types of things that play a part in calculating the rates you pay for insurance coverage. Having a good understanding of what impacts premium levels empowers consumers to make smart changes that may reward you with much lower annual insurance costs.

Shown below are some of the items used by your company to calculate rates.

  • Big city or small town – Choosing to live in less populated areas can save you money when it comes to insurance coverage. Urban drivers have to deal with traffic congestion and much longer commute distances. Lower population means fewer accidents and a lower car theft rate.
  • Pay less after the wedding – Being married can actually save you money on your insurance coverage policy. Marriage translates into being more mature and it’s proven that being married results in fewer claims.
  • Too many insurance coverage claims drive up costs – Auto insurance companies award discounts to people who do not file claims often. If you file claims often, you can expect either policy cancellation or increased premiums. Car insurance is intended to be relied upon for the large, substantial claims.
  • Never go without insurance – Having an insurance coverage lapse will be a sure-fire way to pay more for insurance coverage. Not only will you pay more, but not being able to provide proof of insurance will get you a hefty fine and possibly a revoked license.You may have to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.

Tailor your coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is no cookie cutter policy. Every insured’s situation is different so your insurance should reflect that For example, these questions may help highlight if your situation could use an agent’s help.

  • Can I afford low physical damage deductibles?
  • Does my insurance cover my expensive audio equipment?
  • Is upholstery damage covered by car insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Will I be non-renewed for getting a DUI or other conviction?

If you can’t answer these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, free and can provide invaluable advice.

Do drivers who switch really save?

Consumers constantly see and hear ads for cheaper car insurance by companies like State Farm and Allstate. All the companies make an identical promise that you can save after switching to them.

How can each company make the same claim? This is how they do it.

All the different companies can use profiling for the type of customer that earns them a profit. For instance, a desirable insured could possibly be a mature driver, has no tickets, and drives less than 7,500 miles a year. A propective insured who matches those parameters will qualify for the lowest rates and most likely will save quite a bit of money when switching.

Potential customers who don’t measure up to the requirements will have to pay a more expensive rate and ends up with the customer not buying. The ads state “drivers who switch” not “everybody who quotes” save that much money. This is how companies can truthfully make those claims. Because of the profiling, you absolutely need to get as many quotes as possible. It’s impossible to know which auto insurance company will provide you with the cheapest Chrysler PT Cruiser insurance rates.

Car insurance coverage specifics

Knowing the specifics of your car insurance policy helps when choosing the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are typical coverages found on most car insurance policies.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like theft, hail damage, rock chips in glass, damage from flooding and a tree branch falling on your vehicle. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for collisions

Collision coverage pays for damage to your PT Cruiser from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like sideswiping another vehicle, colliding with another moving vehicle and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also choose a higher deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for bills like rehabilitation expenses, funeral costs and surgery. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

This provides protection from damage or injury you incur to a person or their property by causing an accident. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims like repair costs for stationary objects, medical services, bail bonds and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy higher limits if possible.

Have the Midas touch

Cost effective 2007 Chrysler PT Cruiser insurance is definitely available on the web and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not provide online quoting and many times these smaller companies only sell through independent insurance agents.

In this article, we presented a lot of techniques to shop for insurance online. The key thing to remember is the more providers you compare, the better likelihood of reducing your rate. Consumers could even find that the lowest rates come from a small local company. Regional companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate, Geico and Progressive.

As you shop your coverage around, do not reduce needed coverages to save money. In too many instances, someone dropped comprehensive coverage or liability limits and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at the best price, not the least amount of coverage.

Much more information about insurance coverage can be read on the following sites: