2008 Chrysler PT Cruiser Insurance Quotes – 10 Policy Discounts

Want lower car insurance rates for your Chrysler PT Cruiser? When searching for cheaper insurance, are you frustrated by the dozens of car insurance choices available to you? There are so many choices that it can easily become a difficult mission to locate the lowest premium rates.

This article will introduce you to how to effectively get price quotes. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these tips. Although vehicle owners benefit from understanding how big insurance companies price insurance differently because it can help you find the best coverage.

How to buy insurance online

There are multiple methods you can shop for insurance but some are less labor-intensive and much quicker. You can waste a few hours (or days) talking to insurance agencies in your area, or you could save time and use the internet to quickly compare rates.

Most of the larger companies belong to an insurance system where prospective buyers submit one quote, and every company then gives them pricing based on that data. This system prevents you from having to do quotation requests for each company.

To enter your information into the quoting system, click here (opens in new window).

One minor caviat to getting quotes like this is you can’t choose which companies to get pricing from. So if you want to choose specific providers to compare rates, we put together a list of companies who write insurance in your area. View list of insurance companies.

How you compare quotes is your choice, just try to keep apples-to-apples coverage limits and deductibles for every quote you compare. If the quotes have different values for each quote you will not be able to determine the lowest rate for your Chrysler PT Cruiser. Having just a slight variation in coverages can make a big difference in price. Just remember that making a lot of price comparisons helps improve the odds of finding a lower rate. Not every company provides online rate quotes, so you need to compare quotes from those companies as well.

Don’t overlook these ten insurance coverage discounts

Companies offering auto insurance don’t necessarily list all available discounts very clearly, so the following is a list of both well-publicized as well as the least known credits available to bring down your rates.

  • Professional Organizations – Participating in a qualifying organization could qualify you for a break when getting a insurance quote.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more on PT Cruiser insurance compared to rates paid by drivers with frequent claims.
  • Multi-line Discount – Not all insurance companies offer life insurance, but some may give you a small discount if you purchase auto and life insurance together.
  • Federal Employees – Simply working for the federal government may qualify for a discount when you quote insurance on PT Cruiser insurance depending on your insurance coverage provider.
  • ABS Brakes – Cars and trucks with anti-lock braking systems prevent accidents so companies give up to a 10% discount.
  • Bundle and Save – If you can combine your homeowners and auto policy and insure them with the same company you may save 10% to 20% off each policy.
  • Discounts for Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts can save a little on medical payment and PIP coverage.
  • Discount for Home Ownership – Owning your own home or condo can get you a discount since home ownership is proof that your finances are in order.
  • Theft Deterent – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and that can save you a little bit as well.
  • Lower Rates for Military – Having a family member in the military could be rewarded with lower rates.

Consumers should know that most discount credits are not given to the entire policy premium. Most only cut individual premiums such as physical damage coverage or medical payments. If you do the math and it seems like you could get a free insurance coverage policy, companies don’t profit that way.

Some companies who might offer most of the discounts above include:

If you need inexpensive insurance quotes, ask each company how many discounts you can get. Some credits may not apply to policies in your area. To view companies offering insurance coverage discounts, click this link.

When to get professional advice

When it comes to buying proper insurance coverage, there is no cookie cutter policy. Everyone’s situation is unique.

Here are some questions about coverages that may help highlight whether your personal situation would benefit from professional advice.

  • Why is insurance for a teen driver so high?
  • Will I lose any money if I cancel my policy before it expires?
  • Does medical payments coverage apply to all occupants?
  • What is the ISO rating for a 2008 Chrysler PT Cruiser?
  • Are my tools covered if they get stolen from my vehicle?
  • Will my insurance pay for OEM parts?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you can’t answer these questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form.

Parts of your insurance policy

Having a good grasp of insurance aids in choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Liability car insurance – This protects you from injuries or damage you cause to people or other property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims such as repair costs for stationary objects, medical expenses, emergency aid and loss of income. How much liability should you purchase? That is up to you, but buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants and damage to your Chrysler PT Cruiser.

Because many people 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. Usually these coverages are identical to your policy’s liability coverage.

Insurance for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses for hospital visits, dental work, surgery, ambulance fees and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like fire damage, a tree branch falling on your vehicle and hail damage. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision – Collision coverage covers damage to your PT Cruiser resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims like damaging your car on a curb, driving through your garage door, rolling your car and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.