2006 Chrysler PT Cruiser Insurance Quotes

Searching for the cheapest insurance rates for your Chrysler PT Cruiser? Are you drained from paying out the nose to insure your Chrysler every month? You are no different than millions of other people. With people having so many options when it comes to insurance, it can be diffult for drivers to find the right insurance company.

You should make it a habit to do price comparisons at least once a year since insurance prices change frequently. Despite the fact that you may have had the best quotes for PT Cruiser coverage on your last policy the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about insurance because you’re going to get a crash course in the quickest way to properly buy coverages and cut your premium.

Do you qualify for discount auto insurance?

Companies that sell car insurance don’t list every policy discount in a way that’s easy to find, so we took the time to find both well-publicized as well as the least known credits that may apply to you.

  • ABS Braking Discount – Vehicles with ABS and/or traction control can reduce accidents so you can save 10 percent or more.
  • No Claim Discounts – Good drivers with no accidents can save substantially as compared to frequent claim filers.
  • Payment Method – By making one initial payment rather than paying in monthly installments you could save up to 5%.
  • Anti-theft System – Cars equipped with anti-theft or alarm systems are less likely to be stolen and earn discounts up to 10% off your auto insurance quote.
  • Distant Student Discount – Youth drivers who are attending college and do not have a car can be insured at a reduced rate.
  • Safety Restraint Discount – Drivers who require all vehicle occupants to use their safety belts can save a little on medical payment and PIP coverage.
  • Mature Driver Discount – Seniors can get reduced rates for PT Cruiser coverage.
  • Membership in Organizations – Joining a qualifying organization could qualify you for a break when getting a auto insurance quote.
  • Drive Less and Save – Driving less may allow you to get cheaper auto insurancerates.
  • Defensive Driver Discount – Taking a driver safety course can save you 5% or more and easily recoup the cost of the course.

Just know that most discounts do not apply to the entire policy premium. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like you would end up receiving a 100% discount, you aren’t that lucky.

A few of the larger companies and a selection of discounts are outlined below.

  • State Farm discounts include good driver, student away at school, defensive driving training, Drive Safe & Save, and safe vehicle.
  • Nationwide policyholders can earn discounts including family plan, easy pay, good student, Farm Bureau membership, multi-policy, defensive driving, and accident-free.
  • GEICO has savings for anti-theft, federal employee, seat belt use, military active duty, air bags, and driver training.
  • AAA offers premium reductions for education and occupation, anti-theft, multi-policy, pay-in-full, good driver, AAA membership discount, and multi-car.
  • 21st Century may include discounts for defensive driver, air bags, homeowners, student driver, and teen driver.
  • The Hartford includes discounts for driver training, defensive driver, anti-theft, good student, bundle, and vehicle fuel type.

Double check with all the companies which discounts can lower your rates. Discounts may not apply in your area. To see insurance companies who offer free auto insurance quotes, click here.

The quickest way to get rate comparisons takes advantage of the fact all the major auto insurance companies will pay a fee to give free rates quotes. All you need to do is provide a small amount of information including whether you have decent credit, if you’re married, how much education you have, and if it has an anti-theft system. The rating information is then sent to many different companies and they return cost estimate quickly.

Components of your Chrysler PT Cruiser insurance costs

When buying car insurance it’s important to understand some of the things that go into determining your premiums. When you know what positively or negatively determines premiums, this enables you to make decisions that may reward you with lower car insurance prices. Many factors are taken into consideration when you get a price on insurance. Some factors are common sense such as traffic violations, but others are less obvious such as your credit history and annual miles driven.

The factors shown below are some of the things used by your company to calculate your rate level.

  • Minor frequent insurance claims are not good – Insurance companies generally give better rates to drivers who are claim-free. If you file claims often, you can pretty much guarantee higher rates. Your car insurance is designed for more catestrophic claims.
  • Rates impacted by vehicle usage – Driving more miles every year the more you will pay for car insurance. Almost all companies calculate prices determined by how the vehicle is used. Vehicles that sit idle most of the time qualify for better rates than those that get driven frequently. A policy that improperly rates your PT Cruiser is just wasting money. Verify your vehicle rating shows the right rating data, because improper ratings can cost you money.
  • Having a spouse reduces risk – Walking down the aisle can actually save you money on your policy. It may mean you are more mature and statistics prove drivers who are married are more cautious.
  • Only buy extra coverages you need – Insurance policies have a lot of additional coverages that sound like a good idea at the time if you aren’t diligent. Things like replacement cost coverage, better glass coverage, and extra life insurance coverage are some examples. These may sound like a good investment initially, but now you might not need them so eliminate the coverages to reduce your premium.
  • Your location is a factor – Having an address in a small town can save you money when trying to find low car insurance rates. Urban drivers tend to have much more traffic and longer commute times. Less people means fewer accidents in addition to fewer liability claims.

What insurance coverages do I need?

When choosing proper insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions can help discover whether you may require specific advice.

  • Will I lose any money if I cancel my policy before it expires?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Does insurance cover tools stolen from my truck?
  • Am I covered if I crash into my own garage door?
  • How much can I save by bundling my policies?
  • Should I waive the damage coverage when renting a car?
  • Is my Chrysler PT Cruiser covered if I use it for business?
  • Is my camper covered by my car insurance policy?

If you can’t answer these questions, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Does insurance advertising bend the truth?

Consumers can’t get away from ads that claim the lowest premium rates by State Farm, GEICO and Progressive. All the ads make the point that people will save just by switching to their company.

How does each company make the same claim? Just pay attention to how they say it.

Insurance providers quote their cheapest rates for the type of driver that will not have excessive claims. An example of a driver they prefer might be a married male, has a clear driving record, and drives less than 7,500 miles a year. Any customer who matches that profile may get the lowest car insurance rates and will most likely save money with a new company.

Drivers who fall outside the ideal profile may receive higher premiums and ends up with business going elsewhere. If you listen closely, the ads state “people that switch” not “everybody who quotes” save that much money. That is how companies can advertise the savings.

This really drives home the point why it is so important to compare free auto insurance quotes often. Because without a comparison, you cannot know which insurance companies will have the best rates for your profile.

Car insurance coverage information

Having a good grasp of insurance aids in choosing which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages found on most insurance policies.

Liability car insurance – Liability coverage can cover damage that occurs to people or other property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for things such as loss of income, emergency aid, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – Collision insurance will pay to fix damage to your PT Cruiser resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like colliding with a tree, crashing into a ditch, colliding with another moving vehicle, rolling your car and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Comprehensive auto coverage – This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, fire damage, rock chips in glass, hitting a bird and falling objects. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Chrysler PT Cruiser.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like surgery, pain medications and rehabilitation expenses. They are used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

The bottom line

As you prepare to switch companies, make sure you don’t sacrifice coverage to reduce premiums. There have been many situations where someone sacrificed full coverage and learned later they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at a price you can afford while still protecting your assets.

Throughout this article, we presented some good ideas how you can lower your 2006 Chrysler PT Cruiser insurance prices. The key concept to understand is the more companies you get rates for, the higher the chance of saving money. You may be surprised to find that the biggest savings come from a lesser-known regional company. Some small companies can often insure niche markets at a lower cost as compared to the big name companies such as Progressive or GEICO.

Cost effective 2006 Chrysler PT Cruiser insurance is available online in addition to many insurance agents, so get free auto insurance quotes from both of them to have the best chance of lowering rates. There are still a few companies who do not provide online quoting and usually these regional insurance providers work with independent agents.

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