Cheapest Insurance for a Chrysler PT Cruiser in Boston

Are you drained from sacrificing each month for car insurance? You’re in the same situation as the majority of other people in Massachusetts.

It’s hard to fathom, but the vast majority of consumers renewed their policy with the same company for four years or more, and nearly half have never even shopped around for cheaper coverage. Consumers in Boston could save almost 45% each year by just shopping around, but they feel it’s too difficult to compare rates online.

How to find the cheapest rates for Chrysler PT Cruiser insurance in Boston

The preferred way to find affordable quotes for Chrysler PT Cruiser insurance is to annually compare prices from providers in Boston. You can compare prices by completing these steps.

1. Try to comprehend what coverages are included in your policy and the changes you can make to prevent high rates. Many rating criteria that cause rate increases such as careless driving and bad credit can be eliminated by being financially responsible and driving safely. Keep reading for ideas to prevent high rates and earn a bigger discount.
2. Quote rates from direct, independent, and exclusive agents. Direct and exclusive agents can only give prices from one company like Progressive or Farmers Insurance, while agents who are independent can quote prices from multiple companies. Compare rates now
3. Compare the new rates to your current policy premium to determine if you can save on PT Cruiser insurance in Boston. If you can save some money and switch companies, make sure there is no lapse in coverage.
4. Provide proper notification to your current company of your intention to cancel your current policy and submit a down payment and signed policy application to the new company. When you receive it, store the certificate verifying proof of insurance in your vehicle’s glove compartment or console.

A tip to remember is to make sure you enter identical coverage information on every quote and and to get rates from every insurance company. This guarantees an accurate price comparison and the best price selection.

Numerous insurance companies battle for your insurance dollar, so it can be very hard to choose a insurance company and get the definite lowest rate on Chrysler PT Cruiser insurance in Boston.

Consumers should take time to compare premium rates before your next renewal since insurance prices go up and down regularly. If you had the lowest quotes on Chrysler PT Cruiser insurance in Boston a few years ago there is a good chance you can find better rates now. Forget all the misinformation about car insurance because we’re going to show you one of the easiest ways to reduce your cost while increasing coverage.

If you already have coverage, you stand a good chance to be able to save money using the techniques presented in this article. Locating the best insurance company for you in Boston is quite easy if you know the best way to do it. But Massachusetts drivers need to have an understanding of the way companies determine what you pay and use this information to your advantage.

Do you qualify for discounts on Chrysler PT Cruiser insurance in Boston?

Buying insurance is not cheap, but there are discounts available that you may not even know about. A few discounts will be applied at the time of purchase, but lesser-known reductions have to be specially asked for prior to getting the savings.

• Home Ownership Discount – Being a homeowner may earn you a small savings since home ownership requires a higher level of personal finance.
• Telematics Data Discounts – People who choose to allow driving data submission to spy on driving patterns remotely such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they exhibit good driving behavior.
• Theft Deterrent – Cars that have factory anti-theft systems have a lower chance of being stolen and earn discounts up to 10% off your Boston car insurance quote.
• Multi-Vehicle Discounts – Buying coverage for several vehicles with one company qualifies for this discount.
• Active Military Service – Having a deployed family member could be rewarded with lower prices.
• Early Switch Discount – Select insurance companies give a discount for signing up prior to the expiration date on your current PT Cruiser insurance policy. This discount can save up to 10%.
• Good Grades Discount – Excelling in school can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
• Senior Citizens – Mature drivers can get reduced rates.
• Memberships – Affiliation with qualifying employment or professional organizations is a good way to get lower rates on your next insurance statement.

As a footnote on discounts, most discounts do not apply to your bottom line cost. Most only reduce specific coverage prices like collision or personal injury protection. So even though it sounds like you could get a free insurance policy, you aren’t that lucky.

The diagram below shows the comparison of Chrysler PT Cruiser annual premium costs with and without discounts applied. Data assumes a male driver, no violations or accidents, Massachusetts state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, safe-driver, claim-free, homeowner, and marriage discounts applied.

For a list of providers who offer insurance discounts in Boston, click here to view.

All major insurance companies such as Progressive, GEICO, Allstate and State Farm allow you to get price estimates directly from their websites. Obtaining pricing for Chrysler PT Cruiser insurance in Boston is fairly simple as you simply enter the amount of coverage you want on the page. Once you submit the form, the system makes automated requests for information on your driving record and credit history and generates a price based on these factors. Being able to quote online for Chrysler PT Cruiser insurance in Boston helps simplify price comparisons, and it’s necessary to perform this step in order to find the cheapest insurance rates.

To quickly find out if lower rates are available, check out the insurance providers below. If you have a policy now, it’s recommended you copy the coverage information as shown on your current policy. This makes sure you will have rate quotes for the exact same coverage.

The providers in the list below have been selected to offer comparison quotes in Massachusetts. To get cheap auto insurance in MA, it’s a good idea that you compare several of them to get a more complete price comparison.

Chrysler PT Cruiser detailed coverage information

The rate information shown below highlights estimates of insurance coverage prices for Chrysler PT Cruiser models. Learning a little about how auto insurance premiums are calculated can help you make informed decisions.

Prices based on married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Massachusetts minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Price information does not factor in vehicle location which can lower or raise coverage rates considerably.

Where to set your deductibles

One of the hardest decisions when shopping for auto insurance is how low should you set your deductibles. The rates shown below show the rate fluctuation when you select higher and lower physical damage deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second rate table uses a $1,000 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Massachusetts minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Prices do not factor in vehicle location which can increase or decrease coverage prices considerably.

We can estimate from the data above that using a $250 deductible will cost you approximately $20 more each month or $240 for a full year across all Chrysler PT Cruiser models than opting for the higher $1,000 deductible. Due to the fact that you would have to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you have at least 38 months between claim filings, you would more than likely save some money going with the higher deductible. The illustration below shows a better example of how you can make your own decision.

One thing to note is that raising deductibles to save money means you will have to cover more of the damage yourself when you have a comprehensive or collision claim. You need some funds available in order to pay the deductible.

Do I need an insurance agent?

Many drivers would rather get professional advice from a licensed agent and doing that can be a smart decision The best thing about comparing rates online is the fact that you can find lower prices but still work with a licensed agent. And providing support for neighborhood agents is especially important in Boston.

For easy comparison, once you complete this form (opens in new window), your information gets sent to insurance agents in Boston who will give competitive quotes for your insurance coverage. You won’t need to contact any insurance agencies because prices are sent immediately to your email address. You can find better rates and work with a local agent. If you want to compare rates from a specific company, feel free to jump over to their website and give them your coverage information.

Choosing an insurer is decision based upon more than just a low price. Any agent in Boston should have no problem answering these questions:

• How many years have they been established?
• Is there a 24/7 contact number?
• Can you choose the body shop in case repairs are needed?
• Are claim adjusters local or do you have to take your car somewhere else?
• Will the agent help in case of a claim?
• Does the quote include credit and driving reports?
• Do they carry Errors and Omissions coverage?

Why you need to buy auto insurance

Despite the high insurance cost for a Chrysler PT Cruiser in Boston, auto insurance may be required for several reasons.

First, most states have mandatory liability insurance requirements which means state laws require specific limits of liability coverage if you drive a vehicle. In Massachusetts these limits are 20/40/5 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a lien on your vehicle, almost all lenders will stipulate that you have full coverage to guarantee loan repayment. If coverage lapses or is canceled, the bank will be required to insure your Chrysler for a lot more money and force you to reimburse them the higher price.

Third, auto insurance protects not only your Chrysler PT Cruiser but also your assets. It will also pay for medical bills for both you and anyone you injure as the result of an accident. Liability coverage also pays expenses related to your legal defense if you cause an accident and are sued. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to repair the damage minus the deductible amount.

The benefits of buying auto insurance are without a doubt worth the cost, particularly if you ever have a claim. But the average driver in Massachusetts is wasting up to $750 every year so it’s recommended you shop around each time the policy renews to be sure current rates are still competitive.

Car insurance coverages for a Chrysler PT Cruiser

Knowing the specifics of your policy can help you determine the best coverages for your vehicles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. These are typical coverages found on most auto insurance policies.

Auto liability – This coverage can cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 20/40/5 which means a limit of $20,000 per injured person, a limit of $40,000 in injury protection per accident, and a limit of $5,000 paid for damaged property. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims like court costs, medical expenses, loss of income, emergency aid and attorney fees. How much liability coverage do you need? That is up to you, but buy higher limits if possible. Massachusetts requires drivers to carry at least 20/40/5 but you should consider buying better liability coverage.

The next chart shows why minimum state limits may not provide you with enough coverage.

Collision coverage – This coverage covers damage to your PT Cruiser from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as damaging your car on a curb, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. You can also choose a higher deductible on your PT Cruiser in order to get cheaper collision rates.

Comprehensive protection – This 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 coverage protects against things such as fire damage, rock chips in glass, a broken windshield and damage from getting keyed. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for bills like rehabilitation expenses, dental work, funeral costs, chiropractic care and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage – This coverage gives you protection from other drivers when they do not carry enough liability coverage. This coverage pays for injuries to you and your family and damage to your Chrysler PT Cruiser.

Because many people have only the minimum liability required by law (20/40/5), it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently these coverages do not exceed the liability coverage limits.

A conclusion for your auto insurance search

Budget-friendly auto insurance in Boston is attainable on the web in addition to local insurance agencies, and you need to price shop both in order to have the best chance of saving money. Some insurance providers may not offer online quoting and many times these regional carriers prefer to sell through local independent agents.

When trying to cut insurance costs, never buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice full coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage for the lowest price and still be able to protect your assets.

In this article, we presented a lot of ways to compare Chrysler PT Cruiser insurance prices in Boston. The key concept to understand is the more rate quotes you have, the higher your chance of finding inexpensive Boston car insurance quotes. Drivers may even discover the lowest prices are with a lesser-known regional company. These companies often have lower rates on specific markets than their larger competitors like GEICO and State Farm.

Steps to saving money on Chrysler PT Cruiser insurance in Boston

The best way to get discount Chrysler PT Cruiser insurance in Boston is to make a habit of comparing prices annually from providers in Massachusetts. This can be done by completing these steps.

• Step 1: Spend some time learning about what coverages are included in your policy and the factors you can control to lower rates. Many rating criteria that increase rates such as traffic tickets, fender benders, and poor credit history can be remedied by making minor driving habit or lifestyle changes.
• Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can provide rates from a single company like Progressive or Allstate, while independent agents can provide rate quotes from many different companies. Start a quote
• Step 3: Compare the new rates to your existing rates to see if cheaper PT Cruiser coverage is available. If you find a better price and change companies, ensure coverage does not lapse between policies.
• Step 4: Tell your current agent or company to cancel your existing policy and submit the application along with any required down payment to your new carrier. As soon as you receive it, place your new proof of insurance paperwork in an easily accessible location.

One thing to remember is to use similar limits and deductibles on every quote request and and to get rate quotes from as many companies as you can. Doing this enables an apples-to-apples comparison and a complete price analysis.

More tips and info about auto insurance can be read at these sites:

• No-Fault Auto Insurance Statistics (Insurance Information Institute)
• Who Has Cheap Boston Auto Insurance Rates for Drivers with a DUI? (FAQ)
• What Car Insurance is Cheapest for Good Drivers in Boston? (FAQ)
• Who Has Affordable Boston Car Insurance for Drivers with Good Credit? (FAQ)
• Who Has the Cheapest Boston Auto Insurance Rates for Drivers Over Age 60? (FAQ)
• Who Has Cheap Car Insurance for Drivers with Accidents in Boston? (FAQ)
• Who Has Affordable Car Insurance Rates for Postal Workers in Boston? (FAQ)
• How Much is Car Insurance for Single Moms in Boston? (FAQ)
• Who Has Affordable Boston Auto Insurance for Low Credit Scores? (FAQ)
• Who Has Cheap Boston Auto Insurance for Lyft Drivers? (FAQ)
• New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
• Event Data Recorders FAQ (iihs.org)
• Teen Driving Statistics (iihs.org)