Save on 2004 Chrysler PT Cruiser Insurance Cost

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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: Dec 10, 2021

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Want cheaper auto insurance rates for your Chrysler PT Cruiser? No one cherishes buying auto insurance, especially knowing they are paying too much.

Companies like Allstate, Liberty Mutual and State Farm increase brand awareness with ad campaigns and it is challenging if not impossible to not get sucked in by the cute commercials and take the time to shop coverage around.

The best way to get rate comparisons is to understand almost all companies participate in online systems to provide you with a free rate quote. To get started, all you need to do is provide the companies a bit of rating information such as whether or not you need a SR-22, whether you are married, driver ages, and how many miles driven. Your details gets sent immediately to many highly-rated insurers and you get price estimates quickly.

To find the cheapest insurance rates, click here and enter your coverage details.

Cut your premium with discounts

Insuring your fleet can be pricey, but you may find discounts that many people don’t even know exist. Most are applied at quote time, but lesser-known reductions have to be asked about before you will receive the discount.

  • No Accidents – Drivers who don’t have accidents pay less compared to frequent claim filers.
  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
  • Senior Citizens – Older drivers may qualify for a small decrease in premiums for PT Cruiser insurance.
  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Clubs and Organizations – Belonging to a civic or occupational organization could trigger savings when buying auto insurance for PT Cruiser insurance.
  • Passive Restraints – Cars that have air bags or motorized seat belts can receive discounts up to 30%.
  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.

Consumers should know that most discount credits are not given to your bottom line cost. Most cut the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, it just doesn’t work that way. Any amount of discount will bring down the amount you have to pay.

A partial list of companies that may offer these discounts are:

  • State Farm
  • Farmers Insurance
  • Progressive
  • GEICO
  • Auto-Owners Insurance
  • The Hartford
  • Farm Bureau
  • USAA

Before buying, ask every prospective company how you can save money. Some discounts may not apply in every state.

What is the best insurance coverage?

When it comes to choosing proper insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance needs to address that. For example, these questions might point out if your insurance needs would benefit from professional advice.

  • Do I need medical payments coverage since I have good health insurance?
  • When would I need additional glass coverage?
  • Am I covered if my car is in a flood?
  • Is my ex-spouse still covered by my policy?
  • I have a DUI can I still get coverage?
  • Can I afford to buy a different vehicle if my 2004 Chrysler PT Cruiser is totaled?
  • What can I do if my company won’t pay a claim?

Factors that can influence insurance rates for a Chrysler PT Cruiser

Smart consumers have a good feel for the factors that go into determining the rates you pay for insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that will entitle you to big savings.

Listed below are some of the items that factor into prices.

  • Frequent insurance claims increase rates – Insurance companies give lower rates to drivers who file claims infrequently. If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Your insurance policy is designed for major claims that would cause financial hardship.
  • Do you need those extra coverages? – There are quite a few add-on coverages you can purchase if you aren’t careful. Insurance for roadside assistance, better glass coverage and term life insurance may be costing you every month. They may seem good when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Your spouse saves you money – Having a spouse can get you a discount on your policy. Having a spouse translates into being more mature and it’s proven that married drivers get in fewer accidents.
  • How many coverages with the same company – Some insurance companies will award you with lower prices to customers who buy several policies from them such as combining an auto and homeowners policy. Discounts can be 10 percent or more. Even with this discount, it’s still a good idea to comparison shop to confirm you are receiving the best rates possible.
  • Increase deductibles and save – Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Chrysler. Some instances where coverage would apply are collision with another vehicle, damage from fire, and burglary. Physical damage deductibles are how much you are required to spend in the event of a claim. The more you are required to pay out-of-pocket, the less your insurance will be for PT Cruiser insurance.
  • Safer cars cost less to insure – Safer cars are cheaper to insure. These vehicles have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and thus lower rates. If the Chrysler PT Cruiser earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • Theft deterrents lower rates – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart car theft.

Information about specific coverages

Learning about specific coverages of your policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average insurance policy.

Auto collision coverage

This coverage will pay to fix damage to your PT Cruiser resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like scraping a guard rail, colliding with a tree, colliding with another moving vehicle, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive insurance

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as a tree branch falling on your vehicle, hail damage, theft and damage from a tornado or hurricane. The most your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Auto liability insurance

Liability insurance protects you from damage that occurs to other people or property. It protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Some companies may use one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for things like medical services, attorney fees and emergency aid. How much liability coverage do you need? That is a personal decision, but you should buy as much as you can afford.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for short-term medical expenses for rehabilitation expenses, dental work, pain medications and EMT expenses. They are used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your 2004 Chrysler PT Cruiser.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Better coverage you can count on

Cost effective 2004 Chrysler PT Cruiser insurance is available on the web and also from your neighborhood agents, and you need to price shop both to have the best rate selection. Some companies may not provide you the ability to get quotes online and these regional insurance providers work with independent agents.

We just showed you many ideas to get a better price on insurance. The key concept to understand is the more times you quote, the higher your chance of finding lower rates. Drivers may discover the biggest savings come from the smaller companies. Regional companies can often provide lower rates in certain areas than their larger competitors like Allstate or State Farm.

Additional learning opportunities

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