2007 Chrysler PT Cruiser Insurance Cost – 8 Tricks for Best Prices

No one in their right mind looks forward to buying insurance coverage, especially when the cost is too high. Many insurers compete to insure your vehicles, so it can be very hard to choose a insurer and get the definite best rates possible.

If you have insurance now or need new coverage, you can use these tips to shop for the lowest rates and possibly find even better coverage. Finding affordable coverage is quite easy. Drivers just need to know the most effective way to get comparison quotes online.

Compare Quotes for Auto Insurance

There are a variety of methods to compare 2007 Chrysler PT Cruiser auto insurance quotes, but some are less labor-intensive and much quicker. You can waste a lot of time discussing policy coverages with local insurance agents in your area, or you can utilize the internet to achieve your goal.

Most of the best insurance companies are enrolled in a marketplace where prospective buyers only type in their quote data once, and each company then gives them pricing for coverage. This system prevents you from having to do repetitive form submissions to each company.

To compare pricing click here (opens in new window).

The single downside to using this type of form is you don’t know exactly the companies you want pricing from. If you would rather choose specific insurance companies to compare rates, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make darn sure you compare identical coverage information for each comparison quote. If you have different values for each quote it will be next to impossible to decipher which rate is best.

Can you really save $391 a year?

Drivers can’t ignore all the ads for cheaper car insurance from companies such as Allstate, GEICO and Progressive. All the ads have a common claim that you’ll save big if you switch your policy.

How can each company say the same thing? This is how they do it.

Different companies can use profiling for the type of customer that earns them a profit. An example of a driver they prefer might be between the ages of 40 and 55, a clean driving record, and has excellent credit. A customer getting a price quote who fits that profile is entitled to the best price and as a result will probably save when they switch companies.

Potential insureds who fall outside these standards must pay a higher premium which leads to business going elsewhere. Company advertisements say “customers that switch” not “everybody who quotes” save money. That’s why companies can state the savings.

This illustrates why drivers must compare many company’s rates. It is impossible to predict which company will give you the biggest savings on Chrysler PT Cruiser insurance.

Discounts mean cheaper 2007 Chrysler PT Cruiser insurance rates

Insurance can cost an arm and a leg, but discounts can save money and there are some available that can drop the cost substantially. Some trigger automatically when you get a quote, but a few must be asked for before you get the savings. If you’re not getting every credit you deserve, you are throwing money away.

  • Anti-lock Brakes – Vehicles equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Discounts for Safe Drivers – Safe drivers may save up to 50% more for PT Cruiser insurance than their less cautious counterparts.
  • Senior Citizens – Older drivers may qualify for a small decrease in premiums for PT Cruiser insurance.
  • Claim Free – Good drivers with no accidents pay much less when compared with frequent claim filers.
  • Military Rewards – Having a deployed family member could mean lower rates.
  • New Vehicle Savings – Adding a new car to your policy is cheaper because new vehicles have to meet stringent safety requirements.
  • Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% for PT Cruiser insurance with a few insurance coverage companies.
  • Accident Waiver – A few companies will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.

Keep in mind that most credits do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as medical payments or collision. So even though it sounds like having all the discounts means you get insurance for free, you won’t be that lucky. Any qualifying discounts will reduce your overall premium however.

To see a list of providers who offer insurance coverage discounts, click here.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions could help you determine whether your personal situation will benefit from professional help.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • When would I need additional glass coverage?
  • Is my teen driver covered when they drive my company car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Am I covered when pulling a rental trailer?
  • Am I insured when driving a different vehicle?
  • How do I file an SR-22 for a DUI in my state?
  • Does my 2007 Chrysler PT Cruiser qualify for pleasure use?
  • Should I bundle my homeowners policy with my auto?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Detailed coverages of your car insurance policy

Having a good grasp of car insurance helps when choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on most car insurance policies.

Auto liability insurance

This can cover damage or injury you incur to people or other property by causing an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like repair costs for stationary objects, court costs, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants 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.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like nursing services, doctor visits and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like damage from getting keyed, fire damage, hitting a bird and a broken windshield. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

This will pay to fix damage to your PT Cruiser resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sustaining damage from a pot hole, crashing into a building, hitting a parking meter, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Don’t be a big spender

We’ve covered quite a bit of information on how to get a better price on 2007 Chrysler PT Cruiser insurance. It’s most important to understand that the more times you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest premiums are with a small mutual company. Smaller companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, drivers have reduced full coverage and learned later they didn’t purchase enough coverage. The ultimate goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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