Lower Your 2001 Chrysler PT Cruiser Car Insurance Rates

Searching for lower auto insurance rates for your Chrysler PT Cruiser? Are you intimidated by the dozens of auto insurance options? Lot’s of other consumers are too. Drivers have so many options that it can quickly become a lot of work to compare prices.

The best way we recommend to compare insurance rates from multiple companies takes advantage of the fact most of the larger companies pay for the opportunity to give you rate quotes. The one thing you need to do is provide details like driver details, how much you drive, whether or not you need a SR-22, and if the car is leased. Your information gets transmitted to multiple top-rated companies and you get price estimates quickly.

Lower rates by qualifying for discounts

The price of auto insurance can be rather high, but you can get discounts to help bring down the price. Some discounts apply automatically when you quote, but some may not be applied and must be asked for prior to receiving the credit.

  • Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you can actually save on your bill.
  • 55 and Retired – Mature drivers can possibly qualify for better auto insurance rates for PT Cruiser insurance.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% for PT Cruiser insurance with a few auto insurance companies.
  • Accident Free – Drivers with accident-free driving histories pay less as compared to bad drivers.
  • Early Switch Discount – Some companies give discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Multi-policy Discount – When you combine your home and auto insurance with one insurance company you will save 10% to 20% off each policy.

It’s important to note that some of the credits will not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like adding up those discounts means a free policy, it doesn’t quite work that way. Any amount of discount will cut the cost of coverage.

Companies who might offer these money-saving discounts may include but are not limited to:

Check with all companies you are considering what discounts are available to you. All car insurance discounts may not be available everywhere.

Car insurance is unique, just like you

When it comes to buying the best insurance coverage for your personal vehicles, there is no best way to insure your cars. Each situation is unique.

For example, these questions may help you determine if your insurance needs would benefit from professional advice.

  • What happens if I owe more than my 2001 Chrysler PT Cruiser is worth?
  • How high should deductibles be on a 2001 Chrysler PT Cruiser?
  • How much liability do I need to cover my assets?
  • How much liability coverage do I need in my state?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • When can I cancel my policy?
  • Can I rent a car in Mexico?
  • Am I covered when driving on a suspended license?
  • Should I buy more coverage than the required minimum liability coverage?
  • Do I have coverage when making deliveries for my home business?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Coverages available on your car insurance policy

Learning about specific coverages of a car insurance policy can be of help when determining the right coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

Liability coverages

This coverage will cover damages or injuries you inflict on other’s property or people. This coverage protects you against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has 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 values of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

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

Uninsured and underinsured coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Chrysler PT Cruiser.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these coverages are similar to your liability insurance amounts.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as damage from getting keyed, a tree branch falling on your vehicle and falling objects. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as X-ray expenses, chiropractic care and hospital visits. They are utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for collisions

This covers damage to your PT Cruiser caused by collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a ditch, hitting a parking meter, driving through your garage door, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to save money on collision insurance.