Lower Price with Better Coverage on Chrysler PT Cruiser Insurance

Having to pay for overpriced auto insurance can take a big chunk out of your savings account and force you to prioritize other expenses. Doing a price comparison is free, only takes a few minutes, and is a good way to tighten up your finances.

Drivers have so many insurance companies to pick from, and although it’s a good thing to be able to choose, it can be more difficult to find the lowest cost provider.

More discounts equal less premium

Car insurance can cost a lot, but you may find discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you quote, but a few need to be manually applied before you will receive the discount.

  • Passive Restraints – Factory air bags may earn rate discounts of 20% or more.
  • Save over 55 – If you qualify as a senior citizen, you may be able to get reduced rates on PT Cruiser insurance.
  • Defensive Driving Course – Taking part in a driver safety course could save 5% or more and easily recoup the cost of the course.
  • Safe Drivers – Drivers who don’t get into accidents can pay as much as 50% less on PT Cruiser insurance than less cautious drivers.
  • Good Students Pay Less – This discount can save 20 to 25%. The discount lasts well after school through age 25.
  • Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you can actually save on your bill.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Chrysler could qualify for discounted rates on garaged vehicles.
  • Seat Belts Save – Drivers who require all occupants to use their safety belts can save 10% or more off your PIP or medical payments premium.

Keep in mind that most of the big mark downs will not be given the the whole policy. Most only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like you can get free auto insurance, you’re out of luck. But any discount will reduce the amount you have to pay.

For a list of insurance companies who offer auto insurance discounts in Nevada, click here.

Are insurance agents a thing of the past?

A small number of people would rather get advice from a local agent and that is just fine! The biggest benefit of comparing insurance prices online is the fact that you can find the lowest rates and still choose a local agent. And providing support for local insurance agencies is important particularly in smaller communities.

To help locate an agent, after submitting this short form, the quote information is submitted to insurance agents who will compete for your coverage. You don’t have to drive around since price quotes are sent immediately to your email address. How cool is that?! It’s the lowest rates AND a local agent.

To view a list of agents in Nevada to contact, view this site.

Deciding on an insurer should depend on more than just a cheap price. These are valid questions to ask:

  • Does the agent have professional designations like CIC, CPCU or AIC?
  • Is the agent and/or agency licensed to do business in Nevada?
  • How much can you save by raising your physical damage deductibles?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Is the agency involved in supporting local community causes?
  • Do they carry Errors and Omissions coverage?
  • Do clients work directly with the agent or are most inquiries handled by a CSR?

After getting answers to your satisfaction for all questions you ask and a good coverage price, chances are good that you have found an provider that meets your needs to service your policy.

Much more information about auto insurance in Nevada can be found on the website for the Nevada Division of Insurance located here. Nevada consumers can discover disciplinary actions, file complaints about an insurance agent or broker, find disaster information, and learn about specific coverages.

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Do the work, save more money

In this article, we covered a lot of ways to reduce Chrysler PT Cruiser insurance prices online. The key concept to understand is the more quotes you get, the better likelihood of reducing your rate. Consumers could even find that the lowest premiums are with a smaller regional carrier. These smaller insurers can often provide lower rates in certain areas as compared to the big name companies such as Allstate and Progressive.

As you go through the steps to switch your coverage, do not reduce needed coverages to save money. In many instances, someone sacrificed comprehensive coverage or liability limits to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy enough coverage for the lowest price.