Save on 2007 Chrysler PT Cruiser Car Insurance Rates

Trying to find cheaper insurance rates for your Chrysler PT Cruiser? Nobody I know is fond of buying insurance, especially when they are paying too much. Due to the large number of insurance companies to choose from, it can be challenging to find the most cost effective insurance company.

You need to quote other rates before your next renewal because rates change quite often. Even if you think you had the lowest premium rates on PT Cruiser coverage last year the chances are good that you can find a lower price today. Block out anything you think you know about insurance because you’re about to learn the only way to save money, get proper deductibles and limits, all at the lowest rate.

Buy cheaper auto insurance with these tips

Many different elements are taken into consideration when premium rates are determined. Some are pretty understandable such as traffic violations, although some other factors are not as apparent like your continuous coverage or how safe your car is.It’s important that you understand some of the things that play a part in calculating your auto insurance rates. When you know what positively or negatively determines premiums, this enables informed choices that could help you find cheaper rates.

  • Married people drive safer – Getting married can actually save you money on your auto insurance bill. It means you’re more mature it has been statistically shown that drivers who are married file infrequent claims.
  • Better drivers pay lower rates – A bad driving record has a big impact on rates. Good drivers receive lower rates compared to bad drivers. Just one driving citation may cause rates to rise substantially. People who have serious violations like reckless driving or DUI might be required by their state to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to prevent their license from being revoked.
  • Low stress employer equals lower premiums – Did you know your auto insurance rates can be affected by your occupation? Occupational choices like doctors, executives and emergency personnel tend to have the highest average rates attributed to intense work situations and lots of time spent at work. On the flip side, occupations like scientists, engineers and performers receive lower rates on PT Cruiser coverage.
  • Older drivers pay less – Older drivers have been proven to be more responsible, statistically cause fewer accidents and receive fewer citations.Drivers with little experience are proven to be less responsible when behind the wheel and because of this, their auto insurance rates are much higher.
  • Buy a safe car and pay less – Vehicles with good safety scores tend to be cheaper to insure. Safe vehicles reduce occupant injuries and better occupant protection means less money paid by your insurance company passed on to you as lower rates. If your Chrysler PT Cruiser has at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Pay more out-of-pocket – Physical damage coverage, also called comprehensive and collision insurance, insures against damage to your Chrysler. Examples of some claims that would be covered would be collision with another vehicle, collision with an animal, and rolling your vehicle. Deductibles for physical damage tell how much you are required to pay before a claim is paid by your company. The more damage repair cost you choose to pay out-of-pocket, the lower your rates will be on PT Cruiser coverage.
  • Your location is a factor – Living in areas with lower population is a positive aspect when buying auto insurance. Drivers who live in large cities have to deal with much more traffic and higher rates of accident claims. Fewer drivers and short commutes means reduced accidents.
  • Drive less and pay lower prices – The higher the miles on your Chrysler each year the higher your rate. The majority of insurers calculate rates based upon how much you drive. Autos used primarily for pleasure use receive better premium rates than vehicles that are driven to work every day. Ask your agent if your auto insurance declarations sheet reflects the right rating data, because improper ratings can cost you money. Having the wrong rating on your PT Cruiser may be costing you higher rates.

Are you receiving every discount?

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that can dramatically reduce your bill. Certain discounts will be applied at the time of quoting, but once in a while a discount must be requested specifically before being credited.

  • No Claims – Good drivers with no accidents get the best insurance rates compared to drivers with a long claim history.
  • Switch and Save Discount – Some companies provide a discount for buying a new policy early. It could save around 10% when you buy insurance online.
  • Anti-lock Brake Discount – Cars and trucks equipped with ABS or steering control can reduce accidents and will save you 10% or more.
  • Telematics Discount – Policyholders that allow companies to study where and when they drive by using a telematics device in their vehicle such as In-Drive from State Farm or Allstate’s Drivewise system could save a few bucks if they are good drivers.
  • Drivers Ed for Students – It’s a good idea to have your young drivers take driver’s ed class as it can save substantially.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most only cut the cost of specific coverages such as liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, that’s just not realistic. But any discount should help lower your policy cost.

A list of insurance companies and some of the discounts are:

  • GEICO offers premium reductions for anti-lock brakes, membership and employees, five-year accident-free, military active duty, good student, and federal employee.
  • Mercury Insurance discounts include multi-car, annual mileage, good driver, ease of repair, and location of vehicle.
  • Farmers Insurance may include discounts for business and professional, youthful driver, early shopping, distant student, mature driver, multi-car, and electronic funds transfer.
  • Auto-Owners Insurance may offer discounts for anti-theft, air bags, multi-policy, mature driver, group or association, paperless, and multiple vehicles.
  • Liberty Mutual may have discounts that include teen driver discount, exclusive group savings, preferred payment discount, hybrid vehicle, new graduate, and multi-policy.
  • SAFECO offers discounts for multi-car, anti-theft, bundle discounts, safe driver, accident prevention training, and teen safe driver.
  • Progressive has discounts for homeowner, good student, online signing, multi-vehicle, online quote discount, continuous coverage, and multi-policy.
  • USAA policyholders can earn discounts including loyalty savings, driver training, military installation, multi-policy, defensive driver, multi-vehicle, and new vehicle.

Double check with all companies you are considering which discounts you may be entitled to. Depending on the company, some discounts may not be available in your area. To find companies with the best discounts, click here.

Can switching companies really save?

Consumers can’t get away from ads for the lowest price car insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to seem to make the promise about how much you will save if you move your coverage.

How is it plausible that every one can lower your auto insurance rates? This is how they do it.

Insurance providers require specific criteria for a prospective insured that will generate a profit. For example, a profitable customer may need to be over the age of 35, has a low-risk occupation, and does not commute to work. A customer that hits that “sweet spot” will get very good auto insurance rates and most likely will cut their rates substantially.

Drivers who don’t measure up to the ideal profile may be forced to pay a higher premium which results in the customer not purchasing. If you pay close attention to the ads, they say “drivers who switch” but not “all drivers who get quotes” can save as much as they claim. That is how companies can truthfully advertise the way they do.

Because of this risk profiling, it is so important to compare as many free insurance quotes as you can. Because you never know which insurance companies will provide the lowest auto insurance rates.

When in doubt talk to an agent

When it comes to buying adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Each situation is unique and your policy should reflect that. These are some specific questions might point out if your insurance needs may require specific advice.

  • How many claims can I have before being cancelled?
  • Am I covered when driving in Canada or Mexico?
  • Will my insurance pay for OEM parts?
  • Can I get a multi-policy discount?
  • Do all my vehicles need collision coverage?
  • Is my ex-spouse still covered by my policy?
  • How do I buy GAP insurance?
  • Do I need PIP coverage since I have good health insurance?
  • Does insurance cover damages from a DUI accident?
  • Is my 2007 Chrysler PT Cruiser covered for flood damage?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Learn about auto insurance coverages for a 2007 Chrysler PT Cruiser

Knowing the specifics of a auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Shown next are the normal coverages offered by auto insurance companies.

Collision coverages – Collision insurance pays for damage to your PT Cruiser resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, crashing into a ditch and colliding with a tree. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Comprehensive 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 can pay for claims such as hitting a deer, hail damage and falling objects. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Chrysler PT Cruiser.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses such as doctor visits, X-ray expenses and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Liability coverages – Liability coverage protects you from damages or injuries you inflict on people or other property. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000. Some companies may use one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like repair bills for other people’s vehicles, legal defense fees and funeral expenses. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Get your money’s worth

As you prepare to switch companies, don’t be tempted to buy lower coverage limits just to save a few bucks. There are too many instances where someone dropped liability limits or collision coverage only to discover later they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find at a price you can afford while still protecting your assets.

We’ve covered many tips how you can shop for 2007 Chrysler PT Cruiser insurance online. The key concept to understand is the more you quote insurance, the better likelihood of getting the cheapest insurance. You may even discover the biggest savings come from some of the lesser-known companies. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.

Some insurance companies may not offer price quotes online and these regional carriers provide coverage only through local independent agents. Low-cost 2007 Chrysler PT Cruiser insurance is definitely available from both online companies in addition to local insurance agencies, so you should be comparing quotes from both to have the best chance of lowering rates.

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