2008 Chrysler PT Cruiser Insurance Cost – 5 Policy Discounts

Trying to find the cheapest car insurance rates for your Chrysler PT Cruiser? Have you finally had enough of being strong-armed to insure your Chrysler every month? You have the same problem as many other consumers.

Many insurers compete for your business, so it can be very hard to choose a insurance company to find the best price available.

If you are paying for car insurance now, you will most likely be able to save some money using these techniques. Finding affordable coverage is quite easy. But drivers do need to know the way companies market insurance on the web and apply this information to your search.

Compare insurance price quotes

There are several ways to shop for insurance, and some are easier and takes less work. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you could use the web to maximize your effort.

Many popular insurance companies belong to a marketplace that allows shoppers to only type in their quote data once, and at least one company then gives them pricing based on the submitted data. This saves time by eliminating repetitive form submissions for every insurance company.

To use this form to compare rates click to open in new window.

The only drawback to getting quotes like this is you cannot specify the companies you want to price. So if you prefer to pick individual companies for rate comparison, we put together a list of low cost insurance companies in your area. Click here to view list.

Take whichever approach you prefer, but be sure you’re using apples-to-apples coverage information with each company. If you use different data it will be next to impossible to determine the lowest rate for your Chrysler PT Cruiser. Just slight variations in coverage limits can result in a big premium difference. And when quoting insurance, remember that comparing more rates from different companies gives you a better chance of getting the best price. Some regional insurers cannot provide rate quotes online, so it’s recommended that you also compare prices from them, too.

When should I discuss my situation with an agent?

When it comes to choosing adequate coverage for your vehicles, there isn’t really a one size fits all plan. Each situation is unique so your insurance needs to address that. These are some specific questions can aid in determining whether you will benefit from professional help.

  • Do I need replacement cost coverage on my 2008 Chrysler PT Cruiser?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when delivering products for my home-based business?
  • Where can I find DUI or SR-22 insurance?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I have coverage when pulling a U-Haul trailer?
  • What is the minimum liability in my state?
  • What is medical payments coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • Should I waive the damage coverage when renting a car?

If you can’t answer these questions then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies.

Parts of your insurance policy

Learning about specific coverages of your policy helps when choosing the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy. Listed below are the normal coverages found on most insurance policies.

Medical expense coverage – Coverage for medical payments and/or PIP kick in for bills for things like ambulance fees, rehabilitation expenses and hospital visits. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Collision – Collision insurance covers damage to your PT Cruiser resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as driving through your garage door, backing into a parked car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Auto liability – Liability coverage provides protection from damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage pays for claims such as emergency aid, medical services, court costs, bail bonds and medical expenses. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2008 Chrysler PT Cruiser.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive protection – This pays for 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 can pay for things like fire damage, a tree branch falling on your vehicle, a broken windshield and hitting a bird. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.