2003 Chrysler PT Cruiser Insurance Rates – 9 Policy Discounts

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Want lower auto insurance rates for your Chrysler PT Cruiser? Are you a victim of overpriced auto insurance? Believe me when I say many consumers feel financially strained by their auto insurance policy.

Numerous car insurance companies battle for your hard-earned dollar, so it can be very hard to choose a insurer and get the best coverage at the lowest price

If you are paying for car insurance now, you should be able to reduce your rates substantially using this strategy. Buying car insurance is easy if you know what you’re doing. Although drivers can benefit by having an understanding of the methods companies use to market insurance on the web.

The fastest way that we advise to compare policy rates is to know most of the bigger providers pay for the opportunity to provide you with a free rate quote. The one thing you need to do is provide a small amount of information such as if you are currently licensed, your credit rating estimate, the type of vehicles you drive, and how much you drive. That rating information is instantly sent to multiple companies and they respond with quotes within a short period of time.

Do you qualify for a discount?

Auto insurance companies don’t always advertise every discount very clearly, so we took the time to find both well-publicized and the harder-to-find ways to save on insurance coverage.

  • Early Switch Discount – Some companies give discounts for switching policies before your current expiration date. It’s a savings of about 10%.
  • No Claims – Good drivers with no accidents can save substantially when compared with frequent claim filers.
  • Multiple Vehicles – Buying insurance for multiple vehicles with the same company could earn a price break for each car.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
  • Own a Home – Owning a house can save you money due to the fact that maintaining a home shows financial diligence.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you could save up to 5%.
  • Paperless Signup – A handful of insurance companies will give a small break for buying your policy online.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and earn discounts up to 10%.
  • Life Insurance – Some companies give a discount if you purchase life insurance from them.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce individual premiums such as collision or personal injury protection. So despite the fact that it appears you could get a free insurance coverage policy, companies wouldn’t make money that way.

To see a list of companies who offer insurance coverage discounts, follow this link.

What coverages do I need?

When it comes to choosing coverage, there isn’t really a one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions could help you determine if you may require specific advice.

  • Does medical payments coverage apply to all occupants?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Is my 2003 Chrysler PT Cruiser covered for smoke damage?
  • Are rental cars covered under my policy?
  • When does my teenage driver need to be added to my policy?
  • Can I make deliveries for my home business?
  • Do I need special endorsements for business use of my vehicle?
  • Is business equipment covered while in my vehicle?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Coverages available on your policy

Having a good grasp of auto insurance can be of help when determining which coverages you need for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverage types available from auto insurance companies.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, fire damage, vandalism, hitting a bird and hail damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as rolling your car, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Liability auto insurance – This coverage provides protection from damage that occurs to people or other property. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged property.

Liability coverage pays for things like repair bills for other people’s vehicles, legal defense fees and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM Coverage – This coverage gives you protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Chrysler PT Cruiser.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical costs insurance – Coverage for medical payments and/or PIP reimburse you for expenses for things like ambulance fees, prosthetic devices, dental work and nursing services. The coverages can be used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Money doesn’t grow on trees

While you’re price shopping online, it’s very important that you do not buy poor coverage just to save money. In too many instances, drivers have reduced liability limits or collision coverage only to find out they didn’t purchase enough coverage. Your aim should be to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Cheap 2003 Chrysler PT Cruiser insurance can be purchased on the web and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. Some insurance providers may not provide online price quotes and most of the time these small insurance companies sell through independent agents.

More tips and info about auto insurance is available in the articles below:

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