Cheap 2001 Chrysler PT Cruiser Insurance Cost

Want the cheapest car insurance rates for your Chrysler PT Cruiser? Have you finally had enough of being strong-armed to pay high car insurance rates every month? Your situation is no different than millions of other vehicle owners.

Companies like State Farm, GEICO and Farmers Insurance continually bombard you with catchy ads and it can be hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

It is always a good idea to compare prices every six months since insurance prices go up and down regularly. Even if you got the lowest rates for PT Cruiser insurance two years ago other companies may now be cheaper. Ignore everything you know about car insurance because I’m going to teach you the things you must know in order to properly buy coverages and cut your premium.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using these techniques. Finding the best rates is not rocket science. Although car owners do need to learn how the larger insurance companies sell insurance online and apply this information to your search.

The easiest way to compare policy rates is to know the trick car insurance companies will pay a fee to provide you with free rate quotes. The one thing you need to do is provide the companies a bit of rating information like any included safety features, how many miles driven, whether you have decent credit, and how much school you completed. That rating data is instantly submitted to insurance carriers in your area and they return rate quotes instantly.

To find lower rates now, click here and complete the form.

When do I need an agent’s advice?

When choosing the right insurance coverage, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. For instance, these questions may help you determine if your situation may require specific advice.

  • Can I get a multi-policy discount?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can my teen drive my company car?
  • Do I need an umbrella policy?
  • Which companies will insure high-risk drivers?
  • Will I lose any money if I cancel my policy before it expires?
  • Should I have a commercial auto policy?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Information about specific coverages

Knowing the specifics of insurance helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Liability insurance – Liability coverage protects you from damage or injury you incur to other’s property or people. It protects YOU against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims such as funeral expenses, medical services, loss of income, pain and suffering and attorney fees. How much coverage you buy is a decision to put some thought into, but you should buy as large an amount as possible.

Medical expense coverage – Coverage for medical payments and/or PIP pay for immediate expenses such as doctor visits, surgery, pain medications and dental work. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Comprehensive protection – Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, damage from flooding, a tree branch falling on your vehicle, vandalism and theft. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Collision – This coverage pays for damage to your PT Cruiser from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things such as damaging your car on a curb, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Another option is to increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chrysler PT Cruiser.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is a good idea.