Cheap 2009 Chrysler PT Cruiser Insurance Quotes

Did you fall for a flashy sales pitch and buy an underperforming, overpriced auto insurance policy? Believe me when I say there are many people just like you.

Many car insurance companies vie for your insurance dollar, so it’s not easy to compare every insurer and get the best coverage at the lowest rate

It’s a great practice to compare prices once or twice a year since rates are adjusted regularly by insurance companies. Even if you think you had the best deal for PT Cruiser insurance two years ago you will most likely find a better rate today. Ignore everything you know about auto insurance because you’re about to find out the best way to reduce your cost while improving coverage.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this information. Buying car insurance is not rocket science. Although car owners must comprehend how companies compete online because it can help you find the best coverage.

Comprehensive Insurance Comparison

There are multiple methods to shop for 2009 Chrysler PT Cruiser insurance, and some are less labor-intensive and much quicker. You can spend your afternoon talking about coverages with insurance companies in your area, or you can stay home and use the web to maximize your effort.

Many companies participate in a marketplace where insurance shoppers only type in their quote data once, and each company can give them a price based on that data. This saves time by eliminating repetitive form submissions for every insurance company.

To fill out one form to compare multiple rates now click here to start a free quote.

The one disadvantage to doing it this way is that you can’t choose which insurance companies to get quotes from. If you would rather choose from a list of companies to compare rates, we have a page of insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but compare apples-to-apples coverages on every quote you get. If each company quotes different liability limits it will be next to impossible to make a fair comparison for your Chrysler PT Cruiser. Slightly different insurance coverages may result in large price differences. And when quoting insurance, remember that comparing more company’s prices will improve the odds of getting better pricing.

Chrysler PT Cruiser insurance rates consist of many parts

An important part of buying insurance is that you know the factors that help determine the rates you pay for car insurance. When you know what positively or negatively controls the rates you pay enables informed choices that can help you get much lower annual insurance costs.

The following are some of the items car insurance companies consider when setting your rates.

  • Rates may be higher depending on your occupation – Occupations such as lawyers, social workers and financial analysts are shown to have higher average rates attributed to stressful work requirements and lengthy work days. Conversely, occupations such as scientists, engineers and retirees pay the least for PT Cruiser insurance.
  • More people means more accidents – Choosing to live in a rural area can save you money when talking about car insurance. Lower population means reduced accidents and also fewer theft and vandalism claims. Drivers in populated areas have traffic congestion and much longer commute distances. More time commuting means higher likelihood of an accident.
  • More miles equals more premium – The more miles you rack up on your Chrysler every year the higher your rate. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Vehicles left parked in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Make sure your car insurance policy is rated on how each vehicle is driven. If your policy improperly rates your PT Cruiser can result in significantly higher rates.
  • Are you male or female? – Statistics have proven that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. They both tend to get into accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like DUI and reckless driving.
  • Being married is a good thing – Having a wife or husband actually saves money on your car insurance policy. It translates into being more responsible and it’s proven that drivers who are married are more cautious.

Don’t pay full price with these discounts

The price of auto insurance can be rather high, but you can get discounts that many people don’t even know exist. Most are applied at the time of quoting, but some may not be applied and must be manually applied prior to receiving the credit.

  • Paperwork-free – Certain companies will give a small break simply for signing online.
  • Homeowners Pay Less – Owning a home can help you save on insurance because maintaining a house requires personal responsibility.
  • Low Mileage Discounts – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Discount for Swiching Early – Select companies give a discount for switching policies prior to your current policy expiring. The savings is around 10%.
  • Senior Citizens – Older drivers may receive reduced rates for PT Cruiser insurance.
  • One Accident Forgiven – Certain companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save up to 15% off your PIP or medical payments premium.

It’s important to understand that some credits don’t apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way. But all discounts will reduce your premiums.

To see a list of insurers with discount insurance rates, click here to view.

Your personal situation dictates your coverage

When it comes to choosing proper insurance coverage for your vehicles, there really is no one size fits all plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions could help you determine if you might need an agent’s assistance.

  • Is motorclub coverage worth it?
  • Should I rate my 2009 Chrysler PT Cruiser as pleasure use or commute?
  • I have health insurance so do I need medical payments coverage?
  • Am I insured when driving a different vehicle?
  • Does coverage extend to Mexico or Canada?
  • Do I need PIP coverage since I have good health insurance?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Car insurance coverage basics

Having a good grasp of car insurance helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverage types found on the average car insurance policy.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for immediate expenses for things like nursing services, rehabilitation expenses, prosthetic devices, dental work and X-ray expenses. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Coverage for liability

Liability insurance can cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like structural damage, emergency aid, pain and suffering and bail bonds. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things like hitting a bird, falling objects, rock chips in glass, a broken windshield and fire damage. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision protection

Collision insurance pays for damage to your PT Cruiser caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as hitting a mailbox, hitting a parking meter, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to raise the deductible to save money on collision insurance.

And the best car insurance company is…

While you’re price shopping online, do not buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. The ultimate goal is to get the best coverage possible at an affordable rate.

Cheaper 2009 Chrysler PT Cruiser insurance can be found from both online companies and also from your neighborhood agents, so you should compare both to have the best selection. Some insurance providers may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

We just covered many ideas to compare insurance prices online. The most important thing to understand is the more price quotes you have, the higher the chance of saving money. You may be surprised to find that the lowest premiums are with an unexpected company. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm, Geico and Nationwide.

Additional insurance coverage information is available at the links below