How Much Does 2008 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: May 12, 2022

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Searching for the most affordable insurance coverage over the internet is challenging for beginners to comparison shopping online. Because there are so many companies in the marketplace, how can consumers even start to compare every company to locate the best pricing?

Insurance Coverage Prices Online

Effectively comparing insurance coverage prices can be exhausting if you don’t understand the best way to get rate quotes. You can waste hours talking to insurance agencies in your area, or you can utilize online quoting to maximize your effort.

Many companies participate in an industry program that allows shoppers to submit one quote, and at least one company can give them a price. This saves time by eliminating repetitive form submissions for every insurance coverage company.

To find out what other companies charge for 2008 Chrysler PT Cruiser insurance click to open in new window.

The only drawback to pricing coverage this way is that you can’t choose which carriers you want pricing from. So if you want to choose specific insurance companies to compare prices, we have a page of companies who write insurance coverage in your area. Click to view list.

Whichever method you choose, make sure you use the exact same coverages and limits on every quote. If you compare different liability limits it will be impossible to make a fair comparison for your Chrysler PT Cruiser. Having just a slight variation in limits may result in large price differences. It’s important to know that having more price comparisons gives you a better chance of getting the best price.

Do drivers who switch really save $389 a year?

Car insurance providers like State Farm, Allstate and GEICO regularly use ads on television and other media. They all say the same thing that you can save if you move your policy. But how can every company claim to save you money? This is how they do it.

All the different companies are able to cherry pick for the type of customer that earns them a profit. For instance, a driver they prefer could be over the age of 50, owns a home, and drives less than 7,500 miles a year. Any new insured that hits that “sweet spot” will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Drivers who don’t meet these standards will have to pay higher rates which leads to business not being written. The ad wording is “customers who switch” not “people who quote” save that much money. That’s the way companies can make those claims.

Because of the profiling, you should get as many comparisons as possible. It’s just too difficult to predict which car insurance company will have the lowest Chrysler PT Cruiser insurance rates.

Companies offer discounts so take them!

Car insurance is not cheap, but companies offer discounts to reduce the price significantly. Larger premium reductions will be automatically applied at the time of quoting, but lesser-known reductions have to be asked about in order for you to get them.

  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount on PT Cruiser insurance with certain companies.
  • Drive Less and Save – Keeping the miles down on your Chrysler can earn a substantially lower rate.
  • Military Rewards – Having a deployed family member can result in better rates.
  • Good Student – This discount can get you a discount of up to 25%. The discount lasts up to age 25.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • New Car Discount – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Defensive Driver – Completing a defensive driving course could save 5% or more if your company offers it.
  • Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts up to 30%.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks just for signing your application online.

As a disclaimer on discounts, many deductions do not apply to the entire cost. Most only reduce specific coverage prices like comp or med pay. Just because you may think all the discounts add up to a free policy, it doesn’t quite work that way. But any discount will reduce your premiums.

For a list of providers with discount car insurance rates, follow this link.

Do I just need basic coverages?

When buying the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions could help you determine whether or not you will benefit from professional help.

  • Which companies will insure high-risk drivers?
  • Does my car insurance cover rental cars?
  • Why does it cost so much to insure a teen driver?
  • Is my trailer covered?
  • Does coverage extend to my business vehicle?
  • Does insurance cover damages from a DUI accident?
  • I have good health insurance, so how much medical payments coverage do I need?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form.

What auto insurance coverages do you need?

Knowing the specifics of your policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy.

Collision coverage protection

Collision insurance covers damage to your PT Cruiser resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as colliding with a tree, crashing into a building and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants 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 carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Coverage for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses for ambulance fees, X-ray expenses, hospital visits and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Liability auto insurance

Liability insurance protects you from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against things such as repair costs for stationary objects, medical services, structural damage, loss of income and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, hitting a bird, vandalism, damage from getting keyed and a broken windshield. The maximum payout your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Keep this in mind

Consumers change insurance companies for a number of reasons such as poor customer service, extreme rates for teen drivers, high prices and even policy cancellation. Regardless of your reason for switching companies, choosing a new insurance company can be easier than you think.

Cheaper 2008 Chrysler PT Cruiser insurance is available on the web as well as from independent agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies don’t offer the ability to get a quote online and these smaller companies work with independent agents.

You just learned many tips how you can reduce insurance prices online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance is with some of the lesser-known companies.

More detailed insurance information is located in these articles:

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