2006 Chrysler PT Cruiser Insurance Rates – 8 Tricks for Cheapest Quotes

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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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Price shopping your auto insurance is challenging for beginners to shopping for insurance online. You have so many options available that it can turn into a real hassle to find lower rates.

You should make it a habit to do rate comparisons at least once a year since rates are adjusted regularly by insurance companies. If you had the best rates for PT Cruiser insurance last year you will most likely find a better rate today. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to the best methods to find great coverage at a great price.

If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using this strategy. Locating cheaper coverage is easy if you know what you’re doing. Nevertheless, consumers do need to learn the methods companies use to market insurance on the web and apply this information to your search.

Compare Insurance Coverage Today

Performing a rate comparison can be challenging if you don’t know the most efficient way. You can spend your afternoon driving to insurance companies in your area, or you can utilize online quotes to get rates in a matter of minutes.

Many insurance companies are enrolled in a marketplace that enables customers to only type in their quote data once, and each company provides a quote based on the submitted data. This prevents consumers from doing repetitive form submissions for every insurance coverage company. To enter your information into the quoting system, click here to open in new window.

The one disadvantage to pricing coverage this way is that you can’t choose which insurance companies to get quotes from. If you would rather choose specific insurance companies to compare, we have assembled a list of companies who write insurance coverage in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just compare the exact same information with every price quote. If your comparisons have different values for each quote then you won’t be able to determine the best price for your Chrysler PT Cruiser. Slightly different insurance coverages may cause a big price difference. Just remember that getting more free quotes provides better odds of finding the best price.

Are you falling for claims of savings?

Insurance providers like Allstate and Progressive continually stream ads on television and other media. They all make the same claim of big savings after switching to them. How does each company make the same claim?

All the different companies are able to cherry pick for the type of customer that earns them a profit. For example, a preferred risk might be over the age of 40, a clean driving record, and drives less than 10,000 miles a year. A driver who fits that profile is entitled to the best price and most likely will save when switching.

Drivers who don’t measure up to these standards will have to pay a higher premium which usually ends up with business going elsewhere. The ads say “people who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can claim big savings.

Because of the profiling, you should get as many quotes as possible. It’s just too difficult to predict the company that will fit your personal profile best.

Take these eight discounts and save

Insurance can be prohibitively expensive, but there are discounts available to help offset the cost. Some trigger automatically when you purchase, but lesser-known reductions have to be specifically requested before you will receive the discount.

  • Anti-lock Brakes – Anti-lock brake equipped vehicles can avoid accidents and will save you 10% or more.
  • Paperwork-free – Certain companies give back up to $50 for buying your policy online.
  • Early Signing – A few companies offer discounts for switching to them prior to your current policy expiring. This can save 10% or more.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more for PT Cruiser insurance than drivers with accidents.
  • Driver Safety – Taking part in a defensive driving course could possibly earn you a 5% discount if you qualify.
  • Distant Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Chrysler could qualify for better rates on cars that stay parked.
  • Senior Citizens – If you qualify as a senior citizen, you may receive better car insurance rates for PT Cruiser insurance.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way. Any amount of discount will reduce your overall premium however.

For a list of companies with discount car insurance rates, click here to view.

Which policy gives me the best coverage?

When it comes to choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions can help discover whether or not you would benefit from professional advice.

  • Is my camper covered by my car insurance policy?
  • Is my ex-spouse still covered by my policy?
  • What is an SR-22 filing?
  • Is my 2006 Chrysler PT Cruiser covered for smoke damage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered when delivering products for my home-based business?
  • When do I need to add a new car to my policy?
  • Will my insurance pay for OEM parts?
  • Do I have coverage if my license is suspended?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form.

Specific coverage details

Knowing the specifics of insurance aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like funeral costs, prosthetic devices, chiropractic care, X-ray expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Auto collision coverage

This coverage will pay to fix damage to your PT Cruiser from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like sustaining damage from a pot hole, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability auto insurance

This provides protection from injuries or damage you cause to a person or their property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as pain and suffering, medical expenses, loss of income, attorney fees and emergency aid. How much coverage you buy is up to you, but you should buy higher limits if possible.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as damage from getting keyed, hail damage and a broken windshield. The maximum amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Be Smart and Buy Smart

As you shop your coverage around, never reduce needed coverages to save money. In many cases, someone dropped comprehensive coverage or liability limits and learned later that it was a big mistake. Your aim should be to get the best coverage possible at the best price while not skimping on critical coverages.

People who switch companies do it for a variety of reasons including not issuing a premium refund, lack of trust in their agent, unfair underwriting practices and delays in paying claims. Regardless of your reason, finding the right car insurance provider is actually quite simple.

Cheap 2006 Chrysler PT Cruiser insurance is attainable both online and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

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