Compare Chrysler PT Cruiser Insurance Quotes in Orlando

If saving the most money is your goal, then the best way to get budget Chrysler PT Cruiser insurance in Orlando is to compare quotes annually from insurers who sell insurance in Florida. Drivers can shop around by completing these steps.

1. Take a few minutes and learn about how companies price auto insurance and the measures you can control to prevent expensive coverage. Many things that result in higher prices like speeding and a poor credit rating can be controlled by making minor driving habit or lifestyle changes. This article provides instructions to keep prices down and find possible discounts that are available.
2. Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes for a wide range of insurance providers.
3. Compare the new rates to your existing rates to determine if switching companies saves money. If you find better rates and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
4. Provide written notification to your current company to cancel your existing policy and submit a down payment and signed policy application to the new company. As soon as you receive it, place your new certificate verifying coverage in your vehicle’s glove compartment or console.

One thing to remember is that you use identical coverage information on each quote request and and to get price quotes from every company you can. This helps ensure a level playing field and the best rate selection.

It’s hard to believe, but most auto insurance customers have stayed with the same insurance company for well over three years, and almost 40% of drivers have never quoted auto insurance rates at all. Drivers in Orlando could save roughly 55% each year by just shopping around, but most tend to underestimate the big savings they would realize if they bought a different policy.

Most of the larger companies like Allstate and Progressive allow consumers to get insurance quotes online. This process is fairly simple as you just type in the coverage amounts you desire into the quote form. Once you submit the form, the quote system automatically retrieves reports for credit and driving violations and provides a quote based on these and other factors.

The ability to get online rates for Chrysler PT Cruiser insurance in Orlando helps simplify price comparisons, and it’s very important to do this in order to find the cheapest price.

To use this form to compare rates, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you enter deductibles and limits identical to your current policy. Doing this guarantees you are getting comparison quotes based on identical coverages.

The auto insurance companies shown below are our best choices to provide free quotes in Florida. If multiple companies are listed, it’s highly recommended you compare several of them in order to find the lowest rates.

Rates and statistics

The rate table displayed below covers different insurance premium costs for Chrysler PT Cruiser models. Having knowledge of how auto insurance premiums are figured can assist in making decisions on the best policy to buy.

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate quotes do not factor in garaging location in Orlando which can raise or lower premiums substantially.

Auto insurance deductibles

One of the hardest decisions when shopping for auto insurance is how high should the physical damage coverage deductibles be. The following insurance rates show the differences in price when you choose different physical damage deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in specific location information which can lower or raise coverage rates substantially.

Based on the data above, we can derive that using a $100 deductible costs approximately $23 more each month or $276 a year than opting for the higher $500 deductible. Since you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 17 months between claims, you would most likely save money if you choose a higher deductible. The table below illustrates how we made this calculation.

Buy Chrysler PT Cruiser Insurance for Less

When buying insurance it’s important to understand some of the factors that go into determining the price you pay for insurance. When consumers understand what influences your rates, this helps enable you to make changes that may reward you with lower rates.

Shown below are most of the major factors used by insurance companies to determine your premiums.

• Drivers with responsible credit save on insurance – A driver’s credit score can be an important factor in calculating your insurance rates. Drivers who have excellent credit tend to be better risks to insure than drivers with poor credit. If your credit rating is lower than you’d like, you could save money insuring your Chrysler PT Cruiser by taking the time to improve your credit score.
• Allowing your insurance policy to lapse raises prices – Not having insurance can get your license suspended and any future policy may cost more because you let your insurance lapse for non-payment. Not only will rates go up, failure to provide proof of insurance could earn you a fine, jail time, or a revoked license. You may have to provide proof of insurance in the form of an SR-22 filing with the Florida department of motor vehicles.

• Expect high rates for teens – Beginning drivers in Florida are statistically shown to be inattentive and easily distracted with other occupants in the car so they pay higher insurance rates. Older insureds are more cautious drivers, tend to cause fewer accidents, and tend to be get fewer driving tickets.

  The following data uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Premiums are affected by your address – Choosing to live in a small town can save you money when trying to find low car insurance rates. Fewer drivers on the road translates into fewer accident claims in addition to fewer liability claims. Drivers who live in large Florida cities have to deal with more traffic problems and longer commutes to work. Higher commute times statistically corresponds to a higher accident and claim rate.

• Obey driving laws and save – Your driving record impacts your car insurance rates tremendously. Careful drivers tend to pay less for car insurance than people who have multiple driving citations. Having a single driving citation can bump up the cost by as much as thirty percent. Drivers who have received serious violations such as DWI, reckless driving or hit and run convictions may be required to prove financial responsibility with the DMV in their state in order to prevent a license revocation.

  The illustration below shows how violations and at-fault claims influence Chrysler PT Cruiser auto insurance costs for different categories of driver ages. Data assumes a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are factored in.

• Job stress can make you pay more – Did you know that where you work can have an impact on rates? Jobs like doctors, airline pilots, and medical professionals tend to have higher average rates in part from high stress levels and extremely grueling work hours. On the other hand, occupations such as actors, athletes and retirees generally pay rates lower than average.

It may be expensive, but it’s not optional

Despite the high cost of buying insurance for a Chrysler PT Cruiser in Orlando, insurance is required in Florida but also provides important benefits.

• Most states have mandatory insurance requirements which means you are required to buy a specific minimum amount of liability insurance coverage in order to be legal. In Florida these limits are 10/20/10 which means you must have $10,000 of bodily injury coverage per person, $20,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If your Chrysler PT Cruiser has a lienholder, more than likely the lender will stipulate that you have full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank or lender will purchase a policy for your Chrysler for a lot more money and force you to pay a much higher amount than you were paying before.
• Insurance safeguards both your assets and your Chrysler. It will also reimburse you for medical transport and hospital expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your vehicle suffers damage from an accident or hail, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of buying enough insurance definitely exceed the price paid, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $830 a year so shop around once a year at a minimum to help ensure money is not being wasted.