Chrysler PT Cruiser Insurance Rates in Indianapolis

Insurance for Chrysler PT CruiserTo save the most money, the best way to save money on Chrysler PT Cruiser insurance is to start comparing prices regularly from providers in Indianapolis.

  1. Read and learn about how companies set rates and the steps you can take to prevent high rates. Many policy risk factors that are responsible for high rates such as speeding tickets, careless driving and poor credit can be improved by making lifestyle changes or driving safer. Keep reading for ideas to prevent high rates and find more discounts that you may not know about.
  2. Request rate estimates from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only quote rates from one company like GEICO and Allstate, while independent agencies can quote prices from multiple insurance companies.
  3. Compare the price quotes to your current policy to see if a cheaper price is available. If you find better rates and switch companies, ensure coverage does not lapse between policies.
  4. Tell your current company to cancel your existing policy. Submit the application along with any required down payment for the new policy. Immediately upon receiving it, keep your new proof of insurance paperwork in an easily accessible location.

A tip to remember is that you’ll want to compare identical limits and deductibles on every quote request and and to compare as many car insurance companies as possible. Doing this provides the most accurate price comparison and the best price quote selection.

It’s safe to assume that auto insurance companies don’t want you shop around. Insureds who shop around for a cheaper policy are highly likely to switch companies because there is a great chance of finding good coverage at a lower price. A recent survey discovered that drivers who routinely shopped for cheaper coverage saved an average of $865 a year compared to drivers who didn’t regularly shop around.

If finding the most affordable car insurance is why you’re here, then learning a little about how to get free comparison quotes and analyze insurance rates can help you succeed in finding affordable rates.

Lowering your car insurance rates is not rocket science. The only requirement is to take a few minutes comparing rates to find the company with affordable Indianapolis car insurance quotes.

The following companies are ready to provide quotes in Indiana. If more than one company is shown, it’s a good idea that you get rate quotes from several of them in order to find the lowest rates.

Do you qualify for these nine discounts?

Auto insurance is neither fun to buy or cheap, but there may be some discounts to help offset the cost. Some trigger automatically at the time you complete a quote, but lesser-known reductions have to be asked about before you will receive the discount.Discount auto insurance

A little disclaimer on discounts, some credits don’t apply to the entire policy premium. Most cut individual premiums such as liability, collision or medical payments. Just because it seems like you can get free auto insurance, it doesn’t quite work that way. Any amount of discount will help lower your overall premium however.

The diagram below illustrates the comparison of Chrysler PT Cruiser insurance costs with and without discounts applied to the policy premium. The information is based on a female driver, no violations or accidents, Indiana state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, homeowner, claim-free, safe-driver, multi-policy, and marriage discounts applied.

A list of companies and some of the discounts are detailed below.

If you want the cheapest Chrysler PT Cruiser rate quotes, ask every company which discounts can lower your rates. All car insurance discounts may not apply to policies in Indianapolis. To view insurers that can offer you the previously mentioned discounts in Indiana, follow this link.

Auto insurance data for a Chrysler PT Cruiser

The coverage information displayed below outlines a range of rate quotes for Chrysler PT Cruiser models. Being more informed about how car insurance premiums are determined is important for you to make smart buying decisions.

Chrysler PT Cruiser Insurance Rates in Indianapolis, IN
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $146 $250 $224 $14 $68 $702 $59
PT Cruiser 2WD 4-Dr $146 $250 $224 $14 $68 $702 $59
Get Your Own Custom Quote Go

Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Rate information does not factor in garaging location in Indianapolis which can increase or decrease coverage prices greatly.

Auto insurance deductibles

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The rates below approximate the premium difference when you buy lower versus higher coverage deductibles. The first rate comparisons uses a $250 deductible and the second pricing table uses a $1,000 deductible.

Chrysler PT Cruiser insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $188 $300 $238 $14 $72 $837 $70
PT Cruiser 2WD 4-Dr $188 $300 $238 $14 $72 $837 $70
Get Your Own Custom Quote Go

Chrysler PT Cruiser insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $116 $188 $238 $14 $72 $628 $52
PT Cruiser 2WD 4-Dr $116 $188 $238 $14 $72 $628 $52
Get Your Own Custom Quote Go

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Indiana minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, multi-policy, and claim-free. Prices do not factor in specific Indianapolis garaging location which can decrease or increase premium rates considerably.

Using the data above, we can ascertain that using a $250 deductible will cost you roughly $18 more each month or $216 every year than choosing the higher $1,000 deductible. Since the policyholder would be required to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 42 months between claim filings, you would most likely save money if you opt for a higher deductible. The table below illustrates an example of how you can come to your own conclusion.

Average monthly premium for $250 deductibles: $70
Average monthly premium for $1,000 deductibles (subtract): – $52
Monthly savings from raising deductible: $18
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 42 months

One big caveat is that raising deductibles means you will have to pay more out-of-pocket when you have a claim. You need some extra savings in order to pay the higher deductible in order to repair your vehicle.

The chart below demonstrates how choosing different deductibles and can impact Chrysler PT Cruiser annual premium costs for each age group. The premiums assume a single female driver, full coverage, and no discounts are applied.

When should I talk to an agent?

Some people just prefer to talk to a local agent and we recommend doing that Professional agents can help determine the best coverages and help you file claims. A nice benefit of getting free rate quotes online is the fact that drivers can get cheap car insurance quotes and also buy local.

Insurance agency in IndianapolisUpon completion of this simple form, your insurance data is emailed to participating agents in Indianapolis that give free quotes and help you find cheaper coverage. It makes it easy because there is no need to find an agent on your own since rate quotes are delivered to you directly. If you wish to compare rates from one company in particular, feel free to navigate to their website and give them your coverage information.

Picking an company should include more criteria than just the bottom line cost. Here are some questions you might want to ask.

Not all car insurance agents are the same

If you’re trying to find a local insurance agency, it’s important to understand the different types of agencies and how they operate. Agents in Indianapolis are classified as either exclusive or independent (non-exclusive). Both types can write policy coverage, but it’s good to learn the difference in the companies they write for because it may have an impact on your agent selection.

Exclusive Car Insurance Agencies

These agents are contracted to one company and examples are State Farm or Allstate. Exclusive agents cannot compare other company’s rates so they have to upsell other benefits. These agents receive extensive training on their company’s products which can be an advantage. Drivers often use the same exclusive agent primarily because of the prominent brand name rather than low rates.

Shown below are exclusive agents in Indianapolis that can give you rate quotes.

More Indianapolis agents

Independent Insurance Agents

These type of agents are not required to write business for one company and that is an advantage because they can write policies through many different car insurance companies and find the cheapest car insurance rates. If they find a cheaper price, they simply move the coverage in-house and you stay with the same agent. When comparing car insurance rates, we highly recommend that you include price quotes from a couple of independent agencies to have the most options to choose from. A lot of them also have access to small mutual carriers that may provide cheaper car insurance rates.

Shown below is a short list of independent agencies in Indianapolis willing to provide price quote information.

More Indianapolis agents

Special considerations

When choosing a policy, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs and your insurance should be unique as well.Higher deductibles save money
For instance, these questions could help you determine if you may require specific advice.

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Three reasons to not skimp on auto insurance

Despite the high insurance cost for a Chrysler PT Cruiser in Indianapolis, paying for auto insurance may not be optional for several reasons.

First, most states have mandatory liability insurance requirements which means state laws require a minimum amount of liability insurance coverage if you don’t want to risk a ticket. In Indiana these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your car with a loan, most banks will require that you carry insurance to guarantee payment of the loan. If you let the policy lapse, the bank may buy a policy for your Chrysler at a significantly higher premium and require you to pay the higher price.

Third, auto insurance preserves both your Chrysler and your assets. Insurance will pay for all forms of medical expenses for yourself as well as anyone injured by you. Liability coverage will also pay attorney fees if you are sued as the result of your driving. If you receive damage to your vehicle caused by a storm or accident, collision and comprehensive coverages will pay to repair the damage minus the deductible amount.

The benefits of carrying adequate insurance definitely exceed the cost, particularly for liability claims. An average driver in America overpays more than $850 per year so you should quote and compare rates each time the policy renews to make sure the price is not too high.

Auto insurance coverage information

Knowing the specifics of your policy helps when choosing the right coverages for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on the average auto insurance policy.

Comprehensive auto coverage – Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like theft, hitting a bird, falling objects, vandalism and hitting a deer. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Chrysler PT Cruiser.

Since a lot of drivers have only the minimum liability required by law (which is 25/50/10), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a mailbox, crashing into a building, hitting a parking meter, backing into a parked car and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible on your PT Cruiser to save money on collision insurance.

Auto liability – This coverage provides protection from damage that occurs to a person or their property that is your fault. Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/10 that translate to a limit of $25,000 per injured person, $50,000 for the entire accident, and a limit of $10,000 paid for damaged property.

Liability coverage pays for things such as pain and suffering, bail bonds and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford. Indiana state law requires minimum liability limits of 25/50/10 but you should think about purchasing higher limits.

The illustration below shows why buying minimum limits may not provide you with enough coverage.

Medical payments and PIP coverage – Med pay and PIP coverage reimburse you for expenses like hospital visits, pain medications, nursing services, doctor visits and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

The best insurance company isn’t always the cheapest

Cheaper Chrysler PT Cruiser insurance in Indianapolis can be bought from both online companies in addition to many Indianapolis insurance agents, so get free Indianapolis car insurance quotes from both of them to have the best rate selection. There are still a few companies who may not offer online price quotes and these regional carriers only sell coverage through independent agents.

In this article, we covered many ways to lower your Chrysler PT Cruiser insurance rates in Indianapolis. The key concept to understand is the more quotes you get, the higher the chance of saving money. Consumers could even find that the lowest rates are with a company that doesn’t do a lot of advertising. These companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm or Progressive.

When getting Indianapolis car insurance quotes online, it’s very important that you do not buy lower coverage limits just to save a few bucks. Too many times, someone sacrificed comprehensive coverage or liability limits and learned later that it was a big mistake. Your goal should be to buy enough coverage at an affordable rate while still protecting your assets.

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