Buying Affordable Car Insurance for a Chrysler PT Cruiser Made Easy

Trying to find low-cost insurance for a Chrysler PT Cruiser can be difficult, but you can follow the following methods to save time.

There is a right way and a wrong way to compare car insurance rates and you need to know the best way to compare rates on a Chrysler and obtain the lowest possible price.

Buying affordable coverage is not that difficult. If you have a policy now or need new coverage, you can follow these tips to find better prices and possibly find even better coverage. Vehicle owners only need an understanding of the best way to get comparison quotes on the web.

Free Car Insurance Quotes

Most companies quote coverage price quotes directly from their websites. Getting quotes is quite easy as you just type in as detailed in the form. Once entered, their rating system sends out for credit information and your driving record and returns a price based on many factors.

This simplifies rate comparisons, but the work required to visit many different websites and enter the same data into a form is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible if you want to find better prices.

There is a better way!

The preferred way to find cheaper rates uses one form that obtains quotes from more than one company. It saves time, eliminates repetitive work, and makes online shopping much easier. As soon as you send your information, it gets priced and you are able to buy any or none of the returned quotes.

If a lower price is quoted, you can simply submit the application and buy the new coverage. This process just takes a couple of minutes and may result in a nice savings.

To save time and find out how much you can save on car insurance, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend that you enter the insurance coverages exactly as they are listed on your policy. This guarantees you will be getting a fair comparison based on identical coverages.

Your coverage should be tailored to you

When it comes to choosing the best car insurance coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that might help in determining if your insurance needs may require specific advice.

• Is a new car covered when I drive it off the dealer lot?
• What is the difference between comprehensive and collision coverage?
• Will my rates increase for filing one claim?
• I have good health insurance, so how much medical payments coverage do I need?
• Are split liability limits better than a combined single limit?
• How high should my uninsured/underinsured coverage be in my state?
• I don’t drive much so do I pay less?
• Am I covered if I crash into my own garage door?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can provide invaluable advice.

But I prefer to buy car insurance from an agent

Some consumers would prefer to visit with an insurance agent. Good agents can answer important questions and give you peace of mind. The biggest benefit of getting online price quotes is you can get the best rates but still work with a licensed agent. Buying from local insurance agencies is especially important in small towns and cities.

By using this form (opens in new window), your information is immediately sent to agents in your area who will battle to get your business. You never need to drive around since price quotes are sent to your email. Now that’s easy!

Two different types of car insurance agents

When looking for a reliable agent, you must know there are a couple different types of agents that you can select. agents can either be captive or independent. While both can write coverage properly, but it’s worth mentioning the difference between them since it may influence your agent selection.

Independent Agents (or Brokers)

Independent agencies do not work for one specific company so they can insure your vehicles amongst many companies enabling the ability to shop coverage around. To move your coverage to a new company, an independent agent can move your coverage without you having to go to a different agency.

When comparison shopping, it’s recommended you include price quotes from multiple independent agents for the best price selection. Most have the option of insuring with lesser-known insurance companies which may provide better rates.

Captive Insurance Agents

These agents work for only one company and examples are AAA, State Farm, Farmers Insurance and Allstate. They usually cannot give you multiple price quotes so they are skilled at selling on more than just price. Captive agents are well schooled on their company’s products which can be an advantage. Some consumers prefer to buy from captive agents mainly due to the prominence of the brand and strong financial ratings.

To view a full list of insurance agents, click here.

Selecting a car insurance agent needs to be determined by more than just the premium amount. Any agent should have no problem answering these questions:

• Will your rates increase after a single accident?
• Do they regularly work with personal auto policies?
• Does the agent have professional designations like CIC, CPCU or AIC?
• How many years of experience in personal lines insurance coverages do they have?
• Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
• Is their price quote a firm figure or are their hidden costs?
• How long has their agency been open?

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