View 2004 Chrysler PT Cruiser Insurance Cost

Searching for cheaper auto insurance rates for your Chrysler PT Cruiser? Insurance shopping is not something people relish, but like it or not it is mandatory to be legal on the road.

Smart consumers take time to compare prices once or twice a year because rates trend upward over time. Just because you found the best deal for PT Cruiser coverage last year you may be paying too much now. There is a lot of bad information regarding auto insurance online, so by reading this article, you’re going to learn some of the best ways to find affordable auto insurance.

How to Get Cheap Insurance

To find the best insurance prices, there are several ways to compare rate quotes from different insurance companies. By far the easiest way to find the lowest 2004 Chrysler PT Cruiser rates consists of obtaining rate quotes online. This is very easy and can be done in a couple of different ways.

  1. The easiest and least time consuming way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This form keeps you from doing a different quote for each company you want a rate for. Completing one form gets rate comparisons from multiple companies.It’s the quickest way to get rates.
  2. A more time consuming way to shop for insurance online requires you to visit the website of each company to request a price quote. For instance, let’s say you want comparison quotes from Progressive, Safeco and State Farm. You would have to take the time to go to each site to input your insurance information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The least efficient method of getting rate comparisons is to spend your day driving to different agent offices. Shopping for insurance online has reduced the need for local agents unless you require the professional guidance of a local agent. However, consumers can get prices online but buy from a local insurance agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just make darn sure you compare apples-to-apples coverages and limits for each price quote. If each company quotes different deductibles it will be impossible to determine the best price for your Chrysler PT Cruiser. Just a small difference in insurance coverages can make a big difference in price. And when comparison shopping, comparing a large number of companies helps you find better pricing.

There’s no such thing as the perfect policy

When choosing the right insurance coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions can aid in determining whether your personal situation will benefit from professional help.

  • Do I have newly-aquired coverage?
  • What exactly is covered by my policy?
  • What is the ISO rating for a 2004 Chrysler PT Cruiser?
  • Do I need rental car coverage?
  • What if I total my 2004 Chrysler PT Cruiser and owe more than it’s worth?
  • Do I need an umbrella policy?
  • What is the rate difference between pleasure use and commuting?
  • If my 2004 Chrysler PT Cruiser is totaled, can I afford another vehicle?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Car insurance coverage specifics

Understanding the coverages of a car insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be difficult to understand and reading a policy is terribly boring.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as sideswiping another vehicle, backing into a parked car, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Auto liability

This can cover damage that occurs to a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for things like funeral expenses, pain and suffering, structural damage, court costs and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive protection

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as theft, hitting a deer and a tree branch falling on your vehicle. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for expenses like chiropractic care, pain medications, ambulance fees and surgery. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Chrysler PT Cruiser.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.