How Much Does 2005 Chrysler PT Cruiser Car Insurance Cost?

Feel like you’re a prisoner to an overpriced car insurance policy? Believe me, there are a lot of people just like you who feel imprisoned by their car insurance policy. Because you have many online and local companies to choose from, it’s nearly impossible to locate the right company.

Chrysler PT Cruiser insurance rates can be determined by these details

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for insurance coverage. Having a good understanding of what impacts premium levels allows you to make educated decisions that may reward you with much lower annual insurance costs.

  • Better crash test results mean better rates – Cars with high safety ratings are cheaper to insure. These vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies and thus lower rates. If your Chrysler PT Cruiser has ratings of a minimum 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.
  • Tickets mean higher rates – Just one speeding ticket can bump up the cost by as much as thirty percent. Drivers who don’t get tickets get better rates compared to drivers with tickets. Drivers who have flagrant citations such as DUI or reckless driving may need to submit a SR-22 form with the DMV in their state in order to keep their license.
  • Your car’s features help determine rates – Owning a car with anti-theft technology or alarm system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
  • High deductibles save money – The deductibles represent how much money you are willing to pay before a claim is paid by your company. Insurance for physical damage to your car, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims are colliding with a building, collision with an animal, and windstorm damage. The more expense you have to pay, the less your company will charge you for insurance for PT Cruiser insurance.

The method we recommend to get policy rate comparisons is to know the trick most insurance companies participate in a system to give you rate quotes. To get started, all you need to do is give the companies some data such as if your license is active, if a SR-22 is required, types of safety features, and if you went to college. Your information is submitted instantly to all major companies and you will receive price estimates quickly.

To check rates for your 2005 Chrysler PT Cruiser, click here and find out if you can get cheaper insurance.

Don’t believe everything you hear

Consumers can’t ignore all the ads for car insurance savings by Allstate and Progressive. All the ads make the same claim that you can save after switching to their company.

How can each company make the same claim?

Different companies are able to cherry pick for the right customer that is profitable for them. An example of a profitable customer might be over the age of 50, has no driving citations, and has great credit. Any new insured that hits that “sweet spot” will qualify for the lowest rates and most likely will save quite a bit of money when switching.

Potential insureds who do not match the requirements will have to pay higher premiums and ends up with the customer not buying. The ad wording is “customers that switch” not “everyone that quotes” save money. That’s why companies can truthfully advertise the way they do.

Because of the profiling, it’s extremely important to compare as many rates as you can. You cannot predict which company will give you the biggest savings on Chrysler PT Cruiser insurance.

Don’t miss out on these money-saving discounts

Car insurance is not cheap, but discounts can save money and there are some available that many people don’t even know exist. Some trigger automatically when you get a quote, but lesser-known reductions have to be inquired about before you will receive the discount. If they aren’t giving you every credit possible, you are paying more than you should be.

  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company can get a discount on all vehicles.
  • Clubs and Organizations – Affiliation with certain professional organizations could trigger savings on your policy for PT Cruiser insurance.
  • Defensive Driver – Taking part in a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • Own a Home – Being a homeowner can save you money due to the fact that maintaining a home requires personal responsibility.

Consumers should know that some of the credits will not apply to the entire policy premium. Some only apply to specific coverage prices like comp or med pay. Just because it seems like you can get free auto insurance, companies don’t profit that way. Any amount of discount will cut the cost of coverage.

To see a list of providers with discount auto insurance rates, click here.

Do I need special coverages?

When it comes to choosing coverage for your personal vehicles, there is no cookie cutter policy. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions can aid in determining whether or not you will benefit from professional help.

  • What is PIP insurance?
  • Where can I find DUI or SR-22 insurance?
  • How many claims can I have before being cancelled?
  • Do I need an umbrella policy?
  • I have health insurance so do I need medical payments coverage?
  • Is my teen driver covered when they drive my company car?
  • Is my ex-spouse still covered by my policy?
  • Do I need added coverage for expensive stereo equipment?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier It is quick, free and may give you better protection.

Coverages available on your policy

Having a good grasp of a insurance policy aids in choosing which coverages you need for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Liability coverages – Liability coverage provides protection from damage that occurs to other’s property or people that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage pays for things like repair costs for stationary objects, bail bonds, medical services, structural damage and medical expenses. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Insurance for medical payments – Coverage for medical payments and/or PIP kick in for short-term medical expenses like surgery, pain medications, ambulance fees and nursing services. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage – This coverage will pay to fix damage to your PT Cruiser caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like sustaining damage from a pot hole, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as theft, damage from getting keyed and hitting a bird. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Don’t throw your cash in the trash

Cost effective 2005 Chrysler PT Cruiser insurance is available both online and with local insurance agents, so compare prices from both in order to have the best chance of saving money. Some insurance providers do not offer online quoting and most of the time these smaller companies sell through independent agents.

We’ve covered some good ideas how to reduce insurance prices online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. Consumers may even find the lowest rates come from a lesser-known regional company. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and GEICO.

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