2009 Chrysler PT Cruiser Car Insurance Quotes – 6 Tricks for Best Rates

I can’t think of anyone who looks forward to paying for insurance coverage, in particular when the cost is too high. Because you have many insurance companies to choose from, it is hard for the average consumer to choose the most cost effective company.

It is always a good idea to price shop coverage once or twice a year because rates are usually higher with each renewal. Just because you found the lowest rates for PT Cruiser coverage a year ago other companies may now be cheaper. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the right way to properly buy coverages while reducing your premium.

Choosing the best insurance company for you is not that difficult. If you have a current insurance coverage policy or are looking for a new policy, you can follow these tips to reduce the price you pay while maximizing coverage. Drivers just need to learn how to compare price quotes online.

Car Insurance Comparisons

Shopping for lower car insurance rates can be a daunting task if you aren’t aware of the most efficient way. You can spend your afternoon discussing policy coverages with agents in your area, or you could use the internet to accomplish the same thing much quicker.

Many popular insurance companies participate in a marketplace where prospective buyers only type in their quote data once, and each participating company returns a competitive quote. This prevents consumers from doing form submissions for every car insurance company.

To compare 2009 Chrysler PT Cruiser rates using this form now click here (opens in new window).

One minor caviat to comparing rates this way is you cannot specify the companies you want pricing from. So if you prefer to pick individual companies for rate comparison, we have a listing of the cheapest car insurance companies in your area. Click to view list.

Whichever method you choose, make absolute certain that you use the exact same coverages and limits for every quote you compare. If you compare different limits and deductibles on each one it’s not possible to determine the lowest rate for your Chrysler PT Cruiser.

Discounts to lower 2009 Chrysler PT Cruiser insurance rates

Companies that sell car insurance don’t always publicize all available discounts very well, so we researched some of the best known as well as the least known ways to save on insurance. If you don’t get every credit you deserve, you’re paying more than you need to.

  • Accident Forgiveness – Certain companies permit an accident before raising your premiums if you are claim-free for a set time period.
  • Club Memberships – Belonging to a civic or occupational organization could trigger savings when shopping for insurance for PT Cruiser coverage.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same insurance policy qualifies for this discount.
  • 55 and Retired – If you qualify as a senior citizen, you may qualify for a small decrease in premiums for PT Cruiser coverage.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
  • Good Student – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you up until you turn 25.

Keep in mind that most discounts do not apply to the entire cost. The majority will only reduce individual premiums such as comprehensive or collision. So when it seems like all those discounts means the company will pay you, companies don’t profit that way.

To see a list of companies with the best insurance discounts, follow this link.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions might point out if you would benefit from professional advice.

  • Is extra glass coverage worth it?
  • Does car insurance cover theft of personal property?
  • Is a blown tire covered by insurance?
  • If my pet gets injured in an accident are they covered?
  • Am I covered if I break a side mirror?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • When should I buy a commercial auto policy?
  • Does my liability insurance cover pulling a trailer or camper?
  • Can I drive in Mexico and have coverage?
  • Does coverage extend to a rental car in a foreign country?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Auto insurance coverage considerations

Knowing the specifics of your policy helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverages found on most auto insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Chrysler PT Cruiser.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as doctor visits, nursing services and surgery. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, hitting a deer, a broken windshield and theft. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto collision coverage

This coverage covers damage to your PT Cruiser from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims such as hitting a mailbox, driving through your garage door, damaging your car on a curb, backing into a parked car and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Liability coverage

Liability insurance can cover damage that occurs to a person or their property in an accident. It consists of three limits, 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 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for things like repair costs for stationary objects, legal defense fees, loss of income and court costs. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Don’t throw your cash in the trash

In this article, we covered many tips how you can shop for 2009 Chrysler PT Cruiser insurance online. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest priced auto insurance comes from a small mutual company. These smaller insurers may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm and Allstate.

While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. There have been many cases where an accident victim reduced liability coverage limits and found out when filing a claim that it was a big mistake. Your strategy should be to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

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