2008 Chrysler PT Cruiser Car Insurance Quotes – 6 Ways to Save

Looking for better car insurance rates for your Chrysler PT Cruiser? Overpriced Chrysler PT Cruiser insurance can dwindle your bank account and force you to prioritize other expenses. Comparison shopping is a smart way to cut your insurance bill. Because you have many different company options, it can be challenging to locate the cheapest provider.

Consumers should take time to take a look at other company’s rates yearly because prices fluctuate regularly. If you had the best rates for PT Cruiser insurance a year ago other companies may now be cheaper. There is a lot of wrong information about car insurance online, so I’m going to show you a lot of great tips on how to find cheap car insurance.

This information will introduce you to the most effective way to quote insurance. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. Vehicle owners just need to understand the proper methods to compare price quotes on the web.

Don’t miss these six discounts

The price of auto insurance can be rather high, buy you may qualify for discounts to help offset the cost. Most are applied at quote time, but a few must be asked for before being credited. If you don’t get every credit you qualify for, you are throwing money away.

  • No Charge for an Accident – A handful of insurance companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Defensive Driving Course – Taking part in a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Drivers Ed for Students – Cut your cost by having your teen driver enroll in driver’s education in high school.
  • Good Student Discount – Getting good grades can get you a discount of up to 25%. This discount can apply up to age 25.
  • Passive Restraint Discount – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.

It’s important to note that some credits don’t apply to all coverage premiums. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way. But any discount will reduce the amount you have to pay.

To see a list of providers offering car insurance discounts, follow this link.

When might I need help?

When buying proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. These are some specific questions can help discover whether your personal situation could use an agent’s help.

  • Does my policy cover me when driving someone else’s vehicle?
  • How does medical payments coverage work?
  • Will filing a claim cost me more?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I benefit by insuring my home with the same company?
  • Do I need PIP coverage since I have good health insurance?
  • How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of car insurance companies in your area. It only takes a few minutes and may give you better protection.

Car insurance coverages for a Chrysler PT Cruiser

Knowing the specifics of a auto insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by auto insurance companies.

Collision coverage – This will pay to fix damage to your PT Cruiser caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with another moving vehicle, backing into a parked car, rolling your car, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for bills like surgery, prosthetic devices and EMT expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Liability coverages – This coverage provides protection from damages or injuries you inflict on people or other property in an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use 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 repair bills for other people’s vehicles, attorney fees and pain and suffering. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Chrysler PT Cruiser.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision) – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, damage from flooding and hitting a bird. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Save for a rainy day

We’ve covered some good ideas how to compare 2008 Chrysler PT Cruiser insurance prices online. It’s most important to understand that the more you quote, the better your chances of lowering your rates. You may even find the lowest priced car insurance comes from a company that doesn’t do a lot of advertising. Smaller companies may only write in your state and offer lower rates as compared to the big name companies such as Allstate or State Farm.

The cheapest insurance is possible from both online companies as well as from independent agents, so you should compare both to have the best selection. Some car insurance companies don’t offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

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