Feel like you’re a prisoner to overpriced car insurance? Believe me, many consumers feel financially strained by their car insurance policy.
With consumers having so many choices, it can be hard to locate the cheapest company.
Compare the Market for Car Insurance
All the larger car insurance companies quote coverage price quotes on the web. Getting quotes doesn’t take a lot of time as you just enter the coverage amounts you desire into a form. When complete, the company’s rating system gets your credit score and driving record and quotes a price based on many factors. Quoting online makes it a lot easier to compare rates but the time required to go to each company’s website and repetitively enter the same data into a form can be a bit repetitive. Unfortunately, it is important to get many rate quotes in order to get lower prices.
Isn’t there an easier way to compare rates?
The smarter way to locate the lowest prices requires only one form that obtains quotes from several different companies. It’s a real time-saver, helps eliminate reptitive entry, and makes online shopping much more efficient. As soon as you send your information, it is quoted and you can select any of the resulting price quotes.
If one or more price quotes are lower than your current rates, you simply finish the application and purchase the new policy. The whole process can be completed in a matter of minutes and you will find out if you’re overpaying now.
In order to find out how much you’re overpaying now, simply click here to open in new window and begin entering your coverage information. If you have a policy now, it’s recommended you input coverages and limits identical to your current policy. This makes sure you will get comparison quotes for the exact same coverage.
Chrysler PT Cruiser rate determination is complex
An important part of buying insurance is that you know the factors that come into play when calculating car insurance rates. When you know what positively or negatively influences your rates helps enable you to make changes that could result in big savings.
- Bump up deductibles to save – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your Chrysler. Examples of covered claims are collision with another vehicle, damage from fire, and rolling your vehicle. The deductibles are how much you are willing to pay if you file a covered claim. The more expense you’re willing to pay, the lower your rates will be on PT Cruiser insurance.
- Where you live can impact rates – Being located in less populated areas can be a good thing when insuring your vehicles. Lower population means fewer accidents and a lower car theft rate. Drivers who live in large cities regularly have much more traffic to deal with and longer commute times. Higher commute times translates into higher accident risk.
- Better crash test results mean better rates – Vehicles with high crash test scores get lower rates. Safe vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If your Chrysler earned at least four stars on Safercar.gov it is probably cheaper to insure.
- Lower rates come with age – Teenage drivers are known to get distracted easily when driving so car insurance rates are higher. Adding a teenage driver to your car insurance policy can really hurt. More mature drivers are more responsible, tend to cause fewer accidents and are safer drivers.
Take discounts and save
Properly insuring your vehicles can get expensive, but companies offer discounts that many people don’t even know exist. Certain discounts will be applied at the time of purchase, but some must be inquired about in order for you to get them.
- Early Signing – Select companies give a discount for signing up before your current policy expires. This can save 10% or more.
- Memberships – Being a member of a civic or occupational organization could qualify you for a break when buying car insurance on PT Cruiser insurance.
- Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
- Senior Discount – If you qualify as a senior citizen, you may be able to get a discount up to 10% on PT Cruiser insurance.
- Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
- Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could save 15% off your medical payments premium.
- Low Mileage – Low mileage vehicles can earn a substantially lower rate.
- Multi-policy Discount – If you insure your home and vehicles with one insurance company you will save 10% to 20% off each policy.
- Paperless Signup – Certain companies will discount your bill up to fifty bucks simply for signing on their website.
It’s important to note that most discounts do not apply to all coverage premiums. Most cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like you can get free auto insurance, companies wouldn’t make money that way. But any discount will bring down the cost of coverage.
When might I need an agent?
When choosing the right insurance coverage, there isn’t really a best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether your personal situation might need professional guidance.
- Is my babysitter covered when using my vehicle?
- What can I do if my company denied a claim?
- When would I need additional glass coverage?
- Do I need to file an SR-22 for a DUI in my state?
- Do I really need UM/UIM coverage?
- Is my Chrysler PT Cruiser covered for smoke damage?
- Am I covered if I crash into my own garage door?
- Can I drive in Mexico and have coverage?
If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies.
What about my local agents?
A small number of people would prefer to get advice from a local agent and that is a personal choice. The best thing about getting online price quotes is that you can obtain lower rates but also keep your business local. And supporting local businesses is especially important in smaller rural communities.
By using this form (opens in new window), the quote information is immediately sent to participating agents who will give you bids for your insurance coverage. You don’t have to drive around due to the fact that quote results will go directly to your email. How’s that for easy! You can find better rates and an insurance agent to talk to.
Compare rates from both independent and captive insurance agents
When looking for a good insurance agent, there are two types of agencies to choose from. agents are classified as either independent or captive.
Independent Agents
Independent insurance agents are not required to write business for one company so they have the ability to put coverage with many different companies and possibly get better coverage at lower prices. To move your coverage to a new company, they simply move the coverage in-house and that require little work on your part. When searching for an agent, you should always get quotes from at least one independent agent to get the best comparison.
Captive Insurance Agents
Captive insurance agents are contracted to one company and some examples include Liberty Mutual, State Farm, Allstate and AAA. They usually cannot give you multiple price quotes so they have no alternatives for high prices. Captive agents are usually quite knowledgeable on the products they sell and that can be a competitive advantage.
To view a complete directory of agencies, visit this page.
Choosing an insurance agency shouldn’t rely on just a low price. Any agent should have no problem answering these questions:
- Is their price quote a firm figure or are their hidden costs?
- What insurance companies do they recommend if they are an independent agent?
- What insurance company do they write the most business with?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Is the agent and/or agency licensed to do business in your state?
- How often do they review policy coverages?
- If you are a high risk driver, do they have special markets for your coverage?
- How much can you save by raising your physical damage deductibles?
Upon getting positive responses and an affordable coverage quote, you may have just found an auto insurance agent that can properly insure your vehicles.
Smart consumers save more
Cheap Chrysler PT Cruiser insurance can be sourced both online and with local insurance agents, and you need to price shop both so you have a total pricing picture. Some car insurance companies do not offer you the ability to get quotes online and these smaller companies work with independent agents.
When shopping online for car insurance, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where someone dropped liability limits or collision coverage only to discover later that the few dollars in savings costed them thousands. Your goal should be to get the best coverage possible at the best price.
We just presented some good ideas how you can shop for Chrysler PT Cruiser insurance online. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. You may even find the lowest rates come from the smaller companies. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate, GEICO and Progressive.
