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Chrysler PT Cruiser Insurance Cost

Finding cheaper auto insurance by quoting online can be fast and easy, plus you will probably save money. The most important part is to get rates from all providers in order to accurately compare all possible prices.

If you are a novice to online auto insurance shopping, you may be overwhelmed by the hoards of online companies competing for your business. Finding cheaper coverage prices is a fairly straight forward process. All you need to do is take the time comparing rates provided by online insurance companies. It is quite easy and can be accomplished by getting a quick quote here.

Premiums are calculated by these factors

Insurance rates paid to insure a Chrysler PT Cruiser can fluctuate considerably depending on several factors. Including but not limited to:

  • A clean driving record keeps rates low
  • Credit rating impacts rates
  • Your gender can raise or lower rates
  • The deductible you choose
  • Crash test rating for your PT Cruiser
  • No claims lowers premiums
  • Having current coverage saves
  • Home ownership saves money

One last important factor which can affect the rate you pay on your Chrysler is the year of manufacture. Models that are new have a higher actual cash value so the cost to replace them may result in higher rates. On the flip side, newer models may have options like automatic crash notification, blind-spot warning system, and an advanced theft deterrent system which may help offset higher rates.

For you to have a better understanding of how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Liability coverages

This coverage protects you from damage or injury you incur to a person or their property that is your fault. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. Coverage is generally pretty cheap so purchase as high a limit as you can afford.

Collision protection

This pays for damage to your Chrysler from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper PT Cruiser insurance cost.

Comprehensive coverages

This covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage. The most your auto insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider dropping full coverage.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That's why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Coverage for medical payments

Med pay and PIP coverage pay for immediate expenses for things like EMT expenses, pain medications, and nursing services. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Personal Injury Protection is not available in all states and may carry a deductible.

How Much are Chrysler PT Cruiser Insurance Rates?