We don’t have to tell you that insurance companies want to keep your business as long as possible. Insureds who shop for lower rates will presumably switch to a new company because they stand a good chance of finding lower rate quotes. Surprisingly, a recent survey revealed that people who compared rates annually saved as much as $860 a year compared to other drivers who never shopped around.
If finding the cheapest price on Chrysler PT Cruiser insurance in San Jose is why you’re here, understanding the best ways to shop for car insurance can help make the process easier and more efficient.
The preferred way to find discount Chrysler PT Cruiser insurance in San Jose is to annually compare prices from providers who provide car insurance in California.
Step 1: Learn about how auto insurance works and the factors you can control to prevent high rates. Many rating criteria that drive up the price like inattentive driving and a not-so-good credit history can be eliminated by making minor changes in your lifestyle. This article gives instructions to get cheaper rates and find additional discounts you may qualify for.
Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from a single company like Progressive or Allstate, while independent agencies can quote prices for a wide range of companies.
Step 3: Compare the new quotes to your current policy premium to see if a cheaper rate is available in San Jose. If you find a lower rate and make a switch, make sure there is no coverage gap between policies.
One key aspect of rate comparisons is that you’ll want to make sure you compare identical coverages on every quote and and to analyze as many car insurance companies as possible. Doing this ensures a fair price comparison and many rates to choose from.
Compare free San Jose Chrysler PT Cruiser insurance rate quotes
Finding a better price on insurance is actually quite simple. Consumers just need to invest a few minutes to get quotes to find out which insurance company has affordable San Jose auto insurance quotes.
It’s so fast and easy to compare rate quotes online that it makes it a waste of time to waste gas driving to local San Jose insurance agencies. Shopping for insurance online makes this process obsolete unless you have a complicated situation and need the professional guidance of a local agency. You can, however, comparison shop online but still have the advice of a local agent.
The companies in the list below have been selected to offer quotes in California. If more than one company is shown, we suggest you visit several of them to find the cheapest auto insurance rates.
It may be expensive, but it’s not optional
Despite the potentially high cost of Chrysler PT Cruiser insurance, insurance may be required and benefits you in several ways.
- Most states have minimum mandated liability insurance limits which means you are required to buy a specific level of liability insurance coverage in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If your Chrysler has a lienholder, it’s guaranteed your bank will force you to have physical damage coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the lender may have to buy a policy to insure your Chrysler for a lot more money and force you to pay much more than you were paying before.
- Insurance protects not only your Chrysler but also your financial assets. It will also reimburse you for medical expenses for not only you but also any passengers injured in an accident. One policy coverage, liability insurance, will also pay for a defense attorney if anyone sues you for causing an accident. If your vehicle suffers damage from an accident or hail, your insurance policy will pay to restore your vehicle to like-new condition.
The benefits of carrying enough insurance are without a doubt worth the cost, especially if you ever need it. Despite what companies tell you, the average driver overpays as much as $750 every year so it’s recommended you shop around once a year at a minimum to ensure rates are inline.
Analysis of Chrysler PT Cruiser rates
The premium information displayed next highlights detailed analysis of prices for Chrysler PT Cruiser models. Being more informed about how insurance quotes are formulated can be of help when making decisions when shopping around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| PT Cruiser 2WD 4-Dr | $284 | $582 | $424 | $26 | $128 | $1,444 | $120 |
| PT Cruiser 2WD 4-Dr | $284 | $582 | $424 | $26 | $128 | $1,444 | $120 |
| Get Your Own Custom Quote Go | |||||||
Data variables include single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Price information does not factor in the specific area where the vehicle is garaged which can influence coverage rates substantially.
Rate comparison for different deductibles
One of the most common insurance questions is where should you set your physical damage deductibles. The rates below can help illustrate how much more rates are when you buy lower versus higher comp and collision deductibles. The first data table uses a $100 deductible for physical damage and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| PT Cruiser 2WD 4-Dr | $332 | $564 | $376 | $22 | $112 | $1,431 | $119 |
| PT Cruiser 2WD 4-Dr | $332 | $564 | $376 | $22 | $112 | $1,431 | $119 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| PT Cruiser 2WD 4-Dr | $184 | $298 | $376 | $22 | $112 | $992 | $83 |
| PT Cruiser 2WD 4-Dr | $184 | $298 | $376 | $22 | $112 | $992 | $83 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Table data does not factor in specific San Jose garaging location which can alter auto insurance rates significantly.
Based on this data, using a $100 deductible will cost you about $36 more each month or $432 annually across all Chrysler PT Cruiser models than buying the higher $1,000 deductible. Since the policyholder would be required to pay $900 more to settle a claim with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 25 months between claim filings, you would more than likely save some money going with the higher deductible. The table below illustrates a better example of how this decision is made.
| Average monthly premium for $100 deductibles: | $119 |
| Average monthly premium for $1,000 deductibles (subtract): | – $83 |
| Monthly savings from raising deductible: | $36 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $36 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 25 months |
One thing to be aware of is that raising deductibles to save money results in more money out-of-pocket when you file a claim. That will necessitate some savings in the bank in order to pay more for the deductible.
The illustration below shows how different deductible levels and can influence Chrysler PT Cruiser premium costs for different age groups of insureds. The information is based on a married male driver, full coverage, and no discounts are factored in.
Tickets and at-fault accidents raise rates
The information below demonstrates how speeding tickets and accident claims can influence Chrysler PT Cruiser annual premium costs for different age groups. The premiums are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no policy discounts are applied.
How much more does full coverage cost?
The diagram below visualizes the comparison of Chrysler PT Cruiser insurance rates with full coverage and liability only. The rate quotes are based on no violations or claims, $250 deductibles, single status, and no additional discounts are factored in.
When to stop buying full coverage
There isn’t a steadfast formula of when to eliminate comp and collision coverage, but there is a broad guideline. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it could be time to drop full coverage.
For example, let’s assume your Chrysler PT Cruiser replacement value is $8,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $7,000 after paying the physical damage deductible. If it’s costing you more than $700 annually for comprehensive and collision coverage, then you might want to think about dropping full coverage.
There are a few cases where eliminating full coverage is not financially feasible. If you still owe money on your vehicle, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should keep full coverage on your policy.
Car insurance discounts help lower rates for Chrysler PT Cruiser insurance in San Jose
Car insurance is not cheap nor is it fun to buy but you may find discounts that may help make it more affordable. Certain discounts will be triggered automatically when you purchase, but a few must be inquired about before they will apply. If you don’t get every credit you qualify for, you may be paying too high a price.
- Driver Training Discounts – Successfully completing a class that teaches driver safety techniques could save 5% or more if you qualify.
- Military Deployment Discount – Being on active deployment in the military could be rewarded with lower premium rates.
- Driving Data Discount – Policyholders that allow their company to analyze where and when they drive remotely like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates if they are good drivers.
- Government Employees – Simply working for the federal government may qualify for a discount when you quote San Jose auto insurance with certain companies.
- Life Insurance – Companies who offer life insurance give a small discount if you purchase some life insurance in addition to your auto policy.
- Early Signing – A few companies offer discounts for buying a new policy prior to the expiration date on your current PT Cruiser insurance policy. You could save around 10% when you buy San Jose auto insurance online.
- Good Student Discount – Getting good grades may save as much as 25% on a San Jose auto insurance quote. Many companies even apply the discount to college students well after school through age 25.
Please keep in mind that some of the credits will not apply to all coverage premiums. Most cut specific coverage prices like collision or personal injury protection. So even though it sounds like you can get free auto insurance, insurance companies wouldn’t stay in business.
The diagram below shows the comparison of Chrysler PT Cruiser premium costs with and without discounts applied. The prices are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, multi-policy, marriage, homeowner, safe-driver, and claim-free discounts applied.
Popular car insurance companies and some of their more popular discounts can be found below.
- State Farm has savings for safe vehicle, good student, accident-free, passive restraint, and anti-theft.
- GEICO may have discounts that include anti-theft, federal employee, emergency military deployment, defensive driver, and anti-lock brakes.
- Allstate offers discounts for FullPay discount, premier discount, good payer, safe driver, and economy car.
- SAFECO offers discounts including homeowner, teen safe driver, anti-lock brakes, drive less, and bundle discounts.
- Farm Bureau policyholders can earn discounts including renewal discount, youthful driver, multi-policy, safe driver, and good student.
- Progressive may offer discounts for online signing, multi-policy, multi-vehicle, continuous coverage, and online quote discount.
- AAA includes discounts for good driver, pay-in-full, anti-theft, multi-car, AAA membership discount, education and occupation, and multi-policy.
Before purchasing a policy, check with each company or agent which discounts you may be entitled to. Depending on the company, some discounts might not apply in every state. If you would like to see a list of providers that offer some of these discounts in San Jose, follow this link.
Auto insurance can get complicated
Always remember that when buying insurance from an agent or online, there is no single plan that fits everyone. Your needs are unique to you and your policy should reflect that.
For example, these questions can help discover if your situation might need professional guidance.
- Is my Chrysler PT Cruiser covered for flood damage?
- Where can I get insurance after a DUI in California?
- Am I covered if I hit my neighbor’s mailbox?
- What can I do if my company won’t pay a claim?
- Why do I need rental car insurance?
- Am I covered if hit by an uninsured driver?
- Am I covered if I hit a deer?
- Does car insurance cover theft of personal property?
- Do I have coverage when pulling a U-Haul trailer?
- Is my camper covered by my car insurance policy?
If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and you can get the answers you need.