Compare Chrysler PT Cruiser Insurance Quotes in Philadelphia

Looking for lower-priced Chrysler PT Cruiser insurance in Philadelphia? Did budget coverage turn out to be an under-performing, overpriced insurance policy? Trust us when we tell you many Philadelphia drivers have buyer’s remorse.

It’s hard to fathom, but most consumers have purchased from the same company for at least the last four years, and virtually 40% of consumers have never compared rates from other carriers. Pennsylvania drivers could pocket roughly 55% a year, but they don’t understand how simple it is to compare rate quotes. Big-name insurance companies like Progressive, GEICO and Farmers Insurance persitently shower you with TV and radio ads and consumers find it hard to see past the geckos and flying pigs and find the best price available.

Verify you’re getting every discount

Companies don’t always list every policy discount very well, so we took the time to find some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy Philadelphia car insurance online.

• Military Rewards – Being on active deployment in the military could trigger a small discount.
• Discount for Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts up to 30%.
• Membership in Organizations – Affiliation with qualifying clubs or civic groups could earn you a nice discount on car insurance.
• Seat Belt Usage – Drivers who require all vehicle occupants to buckle their seat belts could cut 10% or more off the PIP or medical payment premium.
• Bundled Policy Discount – If you can bundle your homeowners and auto insurance and insure them with the same company you may save up to 20% off your total PT Cruiser insurance premium.
• Distant Student Discount – Older children who live away from home at college without a vehicle on campus could get you a discount.

You can save money using discounts, but some of the credits will not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, you aren’t that lucky. But all discounts will positively reduce the cost of coverage.

The information below shows the difference between Chrysler PT Cruiser insurance costs with and without discounts applied to the policy rates. The price estimates are based on a female driver, no claims or driving citations, Pennsylvania state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, homeowner, marriage, multi-car, claim-free, and multi-policy discounts applied.

Companies that may offer policyholders these discounts may include but are not limited to:

• State Farm
• GEICO
• Liberty Mutual
• The Hartford
• MetLife
• Progressive

If you need lower rates, check with each company or agent how you can save money. Depending on the company, some discounts may not apply in Philadelphia.

Most larger insurance companies allow consumers to get price estimates on their websites. Getting Chrysler PT Cruiser insurance prices online is pretty easy because you just enter the coverages you want on the page. After you complete the form, their quoting system automatically retrieves your driving and credit reports and generates pricing information based on the data you entered. Getting online quotes for Chrysler PT Cruiser insurance in Philadelphia makes comparing rates easy, and it’s necessary to have as many quotes as possible if you want to get the most affordable premium on insurance.

In order to fill out one form to compare multiple rates now, compare quotes from the companies shown below. If you currently have coverage, we recommend that you enter deductibles and limits exactly as shown on your declarations page. This ensures you will receive a rate comparison for the exact same coverage.

The providers in the list below are ready to provide quotes in Philadelphia, PA. If multiple companies are listed, we suggest you click on several of them to find the most affordable car insurance rates.

Data for Chrysler PT Cruiser insurance

The premium information shown below outlines estimates of insurance prices for Chrysler PT Cruiser models. Having knowledge of how premiums are established is important for you to make smart choices when purchasing an auto insurance policy.

Prices above based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Pennsylvania minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Rate quotes do not factor in garaging location in Philadelphia which can change price quotes substantially.

Policy deductibles

One of the most common auto insurance questions is how high should the physical damage coverage deductibles be. The tables below may aid in understanding how much more you’ll pay when you choose different physical damage coverage deductibles. The first set of rates uses a $100 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Price estimates do not factor in specific location information which can raise or lower premiums noticeably.

We can derive from the above data that using a $100 deductible would cost the average driver about $27 more each month or $324 annually across all Chrysler PT Cruiser models than buying the higher $1,000 deductible. Since you would pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to go more than 33 months between claim filings, you would more than likely save some money if you elect the higher deductible. Here’s a better example of how we made this calculation.

How accidents and violations affect rates

The diagram below shows how speeding tickets and at-fault accidents impact Chrysler PT Cruiser premium costs for each age group. Data assumes a single male driver, comp and collision included, $100 deductibles, and no discounts are factored in.

Cost difference between full coverage and liability

The illustration below illustrates the difference between Chrysler PT Cruiser yearly insurance costs with full coverage compared to only the Pennsylvania minimum liability coverage. The prices are based on no violations or claims, $100 deductibles, single status, and no discounts are taken into consideration.

Should you be buying full coverage?

There is no set rule that is best for determining when to drop physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost of comp and collision coverage is 10% or more of the vehicle’s replacement cost less your deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Chrysler PT Cruiser book value is $7,000 and you have $1,000 deductibles. If your vehicle is severely damaged, you would only receive $6,000 after you pay the deductible. If you are paying over $600 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some conditions where only buying liability is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

Independent versus exclusive insurance agents

A lot of people just want to have an agent’s advice and doing so can bring peace of mind Most agents can make sure you are properly covered and help file insurance claims. One of the best bonuses of price shopping on the web is that you can find cheaper car insurance rates and still have a local agent.

To find an agent, once you fill out this short form, your information is immediately sent to agents in your area who will give you quotes and help you find cheaper coverage. You don’t have to contact any insurance agencies as quotes are delivered to your email. In the event you want to get a comparison quote from one company in particular, you can always jump over to their website and submit a quote form there.

Picking the best provider needs to be determined by more than just the bottom line cost. These are some questions you should get answers to.

• What will you get paid if your car is a total loss? How is that amount determined?
• Will they make sure you get an adequate claim settlement?
• Is the agent and/or agency licensed to do business in Pennsylvania?
• Which company do they place the most coverage with?
• How much experience to they have in personal lines coverages?
• Do clients work directly with the agent or are most inquiries handled by a CSR?
• Does the company have a solid financial rating?
• Do they specialize in personal lines auto insurance in Philadelphia?

Multiple types of car insurance agents in Philadelphia

When looking for an insurance agent, it can be helpful to understand the different types of agencies and how they can write your policy. Auto insurance agents in Philadelphia are considered either independent agents or exclusive agents depending on their employer. Both can handle auto insurance, but we need to point out the difference in the companies they write for since it may influence the kind of agent you use.

Exclusive Agencies

Agents that choose to be exclusive can only quote rates from one company and examples are AAA, Allstate, State Farm, or Farmers Insurance. They are unable to shop your coverage around so always compare other rates. Exclusive agents receive extensive training on the products they sell and that allows them to sell at a higher price point.

The following are Philadelphia exclusive insurance agencies who can help you get price quotes.

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Independent Auto Insurance Agents

Independent agents do not have single company limitations and that allows them to write policies with a variety of different insurance companies and find you cheaper rates. If your premiums go up, your policy is moved internally and that require little work on your part. If you are trying to find cheaper rates, we recommend you include rate quotes from independent agents in order to compare the most rates.

Below is a short list of independent insurance agents in Philadelphia that can give you rate quotes.

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Auto insurance coverage basics

Knowing the specifics of your auto insurance policy can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. These are the usual coverages found on the average auto insurance policy.

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like theft, a tree branch falling on your vehicle, vandalism, fire damage and a broken windshield. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Chrysler PT Cruiser.

Because many people only purchase the least amount of liability that is required (which is 15/30/5), it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to a person or their property. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 15/30/5 that means you have a $15,000 limit per person for injuries, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000.

Liability coverage protects against claims like attorney fees, funeral expenses, legal defense fees and loss of income. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford. Pennsylvania state minimum liability requirements are 15/30/5 but drivers should carry better liability coverage.

The next chart demonstrates why buying low liability limits may not be adequate.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as hitting a mailbox, colliding with a tree, sideswiping another vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible on your PT Cruiser to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for EMT expenses, nursing services and rehabilitation expenses. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Shop smart and save

When trying to cut insurance costs, never skimp on coverage in order to save money. There have been many situations where someone sacrificed physical damage coverage only to regret they didn’t purchase enough coverage. Your goal is to purchase a proper amount of coverage for the lowest price while still protecting your assets.

Cheap Chrysler PT Cruiser insurance in Philadelphia is possible on the web in addition to local insurance agencies, so you should compare both to have the best selection. Some insurance providers may not offer online quoting and usually these small insurance companies sell through independent agents.

We just presented many tips how you can save on Chrysler PT Cruiser insurance in Philadelphia. The most important thing to understand is the more rate comparisons you have, the better your comparison will be. Drivers may even discover the best price on auto insurance is with a smaller regional carrier. They may only write in your state and offer lower rates than the large multi-state companies such as Allstate, GEICO and Progressive.

For more information, link through to the following helpful articles:

• Older Driver Statistics (Insurance Information Institute)
• Senior Drivers (Insurance Information Institute)
• How to Avoid Staged Accidents (State Farm)
• New head restraint design cuts injuries (Insurance Institute for Highway Safety)
• Credit and Insurance Scores (Insurance Information Institute)