Cheapest 2002 Chrysler PT Cruiser Insurance Rates in 2023
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UPDATED: May 12, 2022
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No one in their right mind cherishes buying auto insurance, especially knowing their premiums are through the roof. Companies like State Farm and GEICO continually bombard you with fancy advertisements and consumers find it hard to avoid their marketing magic and take the time to shop coverage around.
If you have a current car insurance policy or are looking for a new policy, you can use these tips to reduce the price you pay and still get good coverage. Buying car insurance is easy if you know what you’re doing. Drivers just need to know the tricks to get comparison rates on the web.
Fast and Easy Car Insurance Quotes
Comparing car insurance rates is a ton of work if you don’t understand the best way to get rate quotes. You could waste time driving to local insurance agents in your area, or you can stay home and use online quoting to maximize your effort.
All the larger companies are enrolled in a marketplace that enables customers to submit their information once, and every company can give them a price based on that information. This eliminates the need for quote requests for each company you want a rate for.
To find out how much you can save on car insurance click here to open in new window.
The one disadvantage to using this type of form is you cannot specify which insurance companies to receive prices from. So if you want to choose individual companies to receive pricing from, we have a page of the cheapest car insurance companies in your area. Click to view list.
Which method you use is up to you, but make sure you use identical coverages for each price quote. If your comparisons have different limits and deductibles on each one it will be impossible to determine which rate is truly the best.
Tailor your coverage to you
When choosing the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs so your insurance should reflect that These are some specific questions might point out if your situation may require specific advice.
- Do I have coverage when pulling a U-Haul trailer?
- Will filing a claim cost me more?
- Is my babysitter covered when using my vehicle?
- Should I buy full coverage?
- Where can I find DUI or SR-22 insurance?
- Do I need replacement cost coverage on my 2002 Chrysler PT Cruiser?
- I don’t drive much so do I pay less?
- Can I rate high risk drivers on liability-only vehicles?
- What is no-fault insurance?
- Is my teenager covered with friends in the car?
If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of car insurance companies in your area. It is quick, free and can help protect your family.
Insurance coverage specifics
Understanding the coverages of your insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages available from insurance companies.
This coverage will cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property.
Liability coverage protects against claims such as medical expenses, pain and suffering, emergency aid and repair costs for stationary objects. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2002 Chrysler PT Cruiser.
Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Collision insurance will pay to fix damage to your PT Cruiser caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.
Collision insurance covers claims such as hitting a mailbox, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. You can also raise the deductible to get cheaper collision coverage.
Comprehensive auto coverage
This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like vandalism, fire damage and hitting a deer. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for pain medications, hospital visits, EMT expenses and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage
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