Have you had enough of scraping nickels together to pay high insurance coverage rates every month? You’re in the same situation as many other people. Numerous car insurance companies battle for your hard-earned dollar, and it can be difficult to compare rates and uncover the absolute cheapest price
Insurance coverage is expensive, but you might be missing out on some discounts that many consumers don’t even know exist. Certain reductions will be credited at the time you complete a quote, but less common discounts must be asked for in order for you to get them. If you do not double check each discount possible, you’re just leaving money on the table.
Policy discounts save money, but some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like medical payments or collision. If you do the math and it seems like adding up those discounts means a free policy, insurance coverage companies aren’t that generous.
A few of the larger companies and their possible discounts are outlined below.
Before purchasing a policy, check with every prospective company to give you their best rates. Some discounts may not apply to policies in every state. For a list of insurance companies who offer discounts, click here to view.
Getting low cost 2009 Chrysler PT Cruiser car insurance pricing can be quick and easy. You just have to invest a little time to compare free insurance quotes online with multiple companies. Comparing prices online can be done by following the guidelines below.
Hands down the most simple method to find the lowest comparison rates would be an industry-wide quote request form like this one (opens in new window). This style of form keeps you from doing multiple quote forms for each company you want a rate for. Completing one form gets insurance cost estimates from several companies.
A more difficult way to find better pricing requires a trip to the website of each company and repeat the quote process. For example, we’ll assume you want to view quotes from GEICO, Liberty Mutual and GMAC. You would be required to navigate to each company’s site to enter your coverage information, which is not fast way to get rate quotes. To view a list of companies in your area, click here.
Even if you have time, the least recommended method to price shop rates is calling or driving to insurance agencies in your area. The ability to buy insurance online has made agencies unnecessary unless you require the personal advice of a local agency. It is possible to price shop your coverage online and get advice from an agent in your area.
How you compare quotes is your choice, just double check that you are using apples-to-apples coverages and limits for each price quote. If each company quotes different coverage information you will not be able to get a fair rate comparison.
When it comes to choosing the best insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. For instance, these questions may help highlight whether you might need professional guidance.
If it’s difficult to answer those questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.
Learning about specific coverages of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages found on the average auto insurance policy.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims such as vandalism, rock chips in glass, theft, falling objects and damage from flooding. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like doctor visits, chiropractic care and ambulance fees. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
Auto liability insurance
Liability insurance protects you from injuries or damage you cause to other people or property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 that translate to a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.
Liability can pay for things like attorney fees, loss of income and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.
This pays for damage to your PT Cruiser from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for things such as colliding with a tree, damaging your car on a curb and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as damage to your Chrysler PT Cruiser.
Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.
We just covered a lot of ways to get a better price on 2009 Chrysler PT Cruiser insurance. It’s most important to understand that the more times you quote, the higher your chance of finding the cheapest insurance. You may even find the lowest rates come from some of the smallest insurance companies. These companies can often insure niche markets at a lower cost as compared to the big name companies such as Allstate or State Farm.
Some insurance coverage companies may not offer internet price quotes smaller providers provide coverage only through independent agents. Low-cost 2009 Chrysler PT Cruiser insurance can be sourced both online and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates.
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