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