2010 Chrysler PT Cruiser Car Insurance Cost – 5 Discounts for Best Prices

Want lower auto insurance rates for your Chrysler PT Cruiser? Did you come to the realization that you have an expensive auto insurance policy? It’s a common feeling and there are many people just like you.

Big companies like GEICO, Farmers Insurance and State Farm continually bombard you with ads and it is challenging if not impossible to see through the deception and do the work needed to find the best deal.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this strategy. Buying car insurance is not that difficult. Although consumers can benefit from knowing how big insurance companies market insurance on the web and use this information to your advantage.

More affordable rates by taking advantage of these five discounts

Car insurance companies don’t always publicize every disount available in a way that’s easy to find, so the following is a list of some of the best known and the more hidden ways to save on insurance coverage.

  • Paper-free Discount – Some insurance companies will provide an incentive for signing up on the internet.
  • Student Discounts – Getting good grades may save you up to 25%. You can use this discount normally up until you turn 25.
  • Anti-theft Discount – Anti-theft and alarm system equipped vehicles help deter theft and therefore earn up to a 10% discount.
  • ABS Braking Discount – Cars equipped with ABS or steering control prevent accidents so companies give up to a 10% discount.
  • Homeowners Pay Less – Simply owning a home may trigger a policy discount on insurance coverage because maintaining a house shows financial diligence.

A quick disclaimer, most discount credits are not given to all coverage premiums. The majority will only reduce the cost of specific coverages such as medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, it doesn’t quite work that way. But all discounts should definitely cut the premium cost.

The best insurance coverage companies and some of the premium reductions they offer include:

  • State Farm policyholders can earn discounts including safe vehicle, Steer Clear safe driver discount, good student, defensive driving training, multiple autos, and anti-theft.
  • Nationwide offers discounts including family plan, defensive driving, anti-theft, good student, and easy pay.
  • GEICO includes discounts for five-year accident-free, multi-vehicle, military active duty, anti-lock brakes, and driver training.
  • AAA may have discounts that include pay-in-full, good student, multi-policy, AAA membership discount, education and occupation, good driver, and multi-car.
  • 21st Century offers discounts for teen driver, automatic seat belts, 55 and older, air bags, and defensive driver.
  • The Hartford may include discounts for defensive driver, driver training, anti-theft, bundle, good student, air bag, and vehicle fuel type.

Double check with all companies you are considering how you can save money. Depending on the company, some discounts may not apply to policies in your area. To find insurers who offer insurance coverage discounts, follow this link.

How much insurance do I need?

When it comes to buying coverage, there really is no single plan that fits everyone. Every insured’s situation is different so this has to be addressed. For instance, these questions can help discover whether or not you will benefit from professional help.

  • Am I covered by my spouse’s policy after a separation?
  • How many claims can I have before being cancelled?
  • Do I need added coverage for expensive stereo equipment?
  • Does my car insurance cover rental cars?
  • Is my nanny covered when driving my vehicle?
  • Is my teen driver covered when they drive my company car?
  • Should I buy more coverage than the required minimum liability coverage?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.

Learn about insurance coverages for a Chrysler PT Cruiser

Knowing the specifics of your policy helps when choosing the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages available from insurance companies.

Liability coverages – Liability insurance can cover damage that occurs to people or other property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which means a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability can pay for claims like court costs, legal defense fees, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Chrysler PT Cruiser.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for expenses like pain medications, hospital visits, dental work, surgery and doctor visits. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverages – This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as sideswiping another vehicle, scraping a guard rail, hitting a parking meter, driving through your garage door and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive protection – This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, damage from flooding and rock chips in glass. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Don’t be a big spender

Budget-friendly auto insurance can be found on the web in addition to many insurance agents, so you need to shop car insurance with both to have the best rate selection. Some companies do not offer online rate quotes and most of the time these regional carriers sell through independent agencies.

In this article, we presented a lot of techniques to reduce 2010 Chrysler PT Cruiser insurance rates online. The key concept to understand is the more you quote car insurance, the better your comparison will be. You may even find the lowest rates come from a lesser-known regional company. Smaller companies may only write in your state and offer lower car insurance rates than their larger competitors like State Farm and Allstate.

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