Looking for cheaper car insurance rates for your Chrysler PT Cruiser? Finding cheaper insurance for your Chrysler PT Cruiser can be a lot of work, but you can learn these tips to save time.
There are more efficient ways to buy car insurance and we’ll show you the best way to quote coverages for a Chrysler and find the lowest price from both online companies and local agents.
The most recommended method to get rate comparisons is to realize most of the bigger providers will pay a fee to give free rates quotes. All you need to do is give the companies some data such as if the vehicle is leased, if a SR-22 is required, types of safety features, and your general credit rating. Your details is submitted instantly to many of the top insurers and you receive quotes with very little delay.
To find lower rates now, click here then complete the form.
When buying proper insurance coverage, there is no best way to insure your cars. Each situation is unique.
For instance, these questions might help in determining whether you would benefit from professional advice.
If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. To find an agent in your area, complete this form. It only takes a few minutes and may give you better protection.
Knowing the specifics of your policy can be of help when determining which coverages you need for your vehicles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.
Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for short-term medical expenses for things like nursing services, prosthetic devices and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay
Auto liability insurance – Liability insurance can cover injuries or damage you cause to people or other property that is your fault. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 which stand for $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 which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage pays for claims such as legal defense fees, court costs, loss of income and repair bills for other people’s vehicles. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.
Comprehensive insurance – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage pays for claims like hitting a bird, damage from getting keyed, falling objects and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Collision coverage – Collision coverage pays for damage to your PT Cruiser resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like rolling your car, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to bump up the deductible to bring the cost down.
Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Chrysler PT Cruiser.
Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits are similar to your liability insurance amounts.