Cheapest Quotes for Chrysler PT Cruiser Insurance in Los Angeles

Are you at wits end from sacrificing other expenses to pay auto insurance each month? You are no different than many other California drivers.

Sad but true, most consumers have bought auto insurance from the same company for well over three years, and nearly half have never shopped around. Los Angeles drivers can save hundreds of dollars each year by just comparing quotes, but they feel it’s too difficult to compare other rate quotes. Popular companies such as GEICO, Farmers Insurance and State Farm promote their brand names with ads and it is difficult to not get sucked in by the cute commercials and effectively compare rates to find the best deal.

It’s a good habit to compare premium rates at least once a year since rates change frequently. Even if you think you had the lowest premium rates on Chrysler PT Cruiser insurance in Los Angeles a few years ago other companies may now be cheaper. Block out anything you think you know about auto insurance because you’re about to learn the easiest way to find lower rates on auto insurance.

The method we recommend to compare rate quotes for Chrysler PT Cruiser insurance in Los Angeles utilizes the fact most of the bigger providers will pay a fee to quote your coverage. To get started, all you need to do is take a few minutes to give details including the type of vehicles you drive, if you’re married, if you are currently licensed, and driver ages. Those rating factors is instantly submitted to insurance carriers in your area and you receive quotes almost instantly.

To compare lower-cost Chrysler PT Cruiser insurance rates now, click here and see if a lower rate is available in Los Angeles.

The companies shown below are our best choices to provide price comparisons in California. If multiple providers are shown, it’s a good idea that you click on several of them to get the lowest price.

Why you need to buy auto insurance

Despite the high insurance cost for a Chrysler PT Cruiser in Los Angeles, buying auto insurance serves an important purpose.

First, almost all states have minimum liability requirements which means the state requires specific minimum amounts of liability insurance coverage in order to license the vehicle. 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.

Second, if you have a lien on your vehicle, it’s guaranteed your bank will make it mandatory that you have insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may insure your Chrysler at a much higher rate and force you to reimburse them a much higher amount than you were paying before.

Third, insurance protects both your Chrysler and your assets. It will also reimburse you for most medical and hospital costs incurred in an accident. Liability insurance also covers legal expenses if you are sued as the result of an accident. If you receive damage to your vehicle caused by a storm or accident, comprehensive (other-than-collision) and collision coverage will pay to restore your vehicle to like-new condition.

The benefits of buying enough insurance more than offset the price you pay, especially when you need to use it. The average driver in California is wasting up to $810 a year so it’s important to compare rates at least once a year to be sure current rates are still competitive.

Coverage information

The rate information displayed next highlights detailed analysis of insurance rates for Chrysler PT Cruiser models. Having a good understanding how rates are calculated can help drivers make smart choices when purchasing an insurance policy.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rates do not factor in Los Angeles location which can modify price quotes greatly.

An analysis of deductible level

When buying insurance, a common question is how low should you set your deductibles. The data tables below can help you visualize the costs and benefits when you choose different insurance deductibles. The first rate quote example uses a $250 deductible for comprehensive and collision coverage and the second price chart uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in specific location which can increase or decrease premium rates greatly.

We can derive from the above data that using a $250 deductible costs an average of $14 more each month or $168 for a full year than buying the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you tend to average more than 18 months between claims, you would come out ahead if you choose a higher deductible.

Full coverage or liability only

The diagram below shows the difference between Chrysler PT Cruiser car insurance rates when comparing full coverage to state minimum liability only. The rate quotes are based on no claims or driving citations, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

When to stop buying physical damage coverage

There is no specific rule that works best for making the decision to drop full coverage, but there is a general guideline you can use. If the annual cost of coverage is more than 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Chrysler PT Cruiser replacement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most your company would pay you is $5,000 after you pay the deductible. If premium cost is more than $500 annually for full coverage, then you might want to consider buying only liability coverage.

There are some scenarios where dropping physical damage coverage is not advised. If you haven’t paid off your loan, you have to maintain full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in case of an accident, you should maintain full coverage.

Save a ton on Chrysler PT Cruiser insurance in Los Angeles with these insurance discounts

Not many people think insurance is cheap, but you can get discounts that you may not even be aware of. Some discounts apply automatically at the time of quoting, but some discounts are required to be requested specifically in order for you to get them. If you are not receiving all the discounts you qualify for, you could be paying more than you need to.

• Paper-free Discount – A handful of larger companies will give you a small discount get Los Angeles auto insurance on your computer.
• Discounts for New Vehicles – Insuring a vehicle that is new may earn a small discount because new model year vehicles are generally safer.
• Good Student – Excelling in school can be rewarded with saving of up to 25%. This discount can apply well after school through age 25.
• Drive Safe and Save – Accident-free drivers can pay as much as 50% less as compared to drivers with claims.
• No Claims – Claim-free drivers get the best insurance rates in comparison to insureds who have frequent claims or accidents.
• No Charge for an Accident – This one is not really a discount per se, but some insurance companies will forgive one accident without the usual rate increase so long as you haven’t had any claims prior to being involved in the accident.
• ABS Brakes – Cars, trucks, and SUVs with anti-lock braking systems can avoid accidents and earn discounts up to 10%.

You can save money using discounts, but some of the credits will not apply to the entire cost. Most only reduce individual premiums such as liability and collision coverage. So even though you would think all those discounts means the company will pay you, companies don’t profit that way.

The diagram below visualizes the comparison of Chrysler PT Cruiser auto insurance rates with and without discounts applied. Data assumes a female driver, a clean driving record, no at-fault accidents, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, marriage, multi-policy, safe-driver, and homeowner discounts applied.

A list of companies and the discounts they provide include:

• GEICO has discounts for multi-vehicle, emergency military deployment, air bags, daytime running lights, military active duty, driver training, and anti-theft.
• MetLife offers discounts for good student, defensive driver, multi-policy, good driver, and accident-free.
• Progressive offers premium reductions for homeowner, good student, multi-policy, online signing, online quote discount, multi-vehicle, and continuous coverage.
• Travelers offers discounts including continuous insurance, IntelliDrive, multi-policy, payment discounts, and student away at school.
• SAFECO policyholders can earn discounts including teen safety rewards, anti-theft, drive less, homeowner, teen safe driver, and bundle discounts.
• AAA discounts include pay-in-full, multi-car, anti-theft, AAA membership discount, education and occupation, multi-policy, and good driver.

Double check with every company which discounts you may be entitled to. Some of the discounts discussed earlier may not apply in your state. If you would like to choose from a list of insurers offering insurance discounts in Los Angeles, click here.

Compare rate quotes but still have a neighborhood Los Angeles auto insurance agent

Some consumers just want to have an agent’s advice and we recommend doing that Agents can answer important questions and help file insurance claims. The biggest benefit of price shopping on the web is the fact that you can find cheap insurance quotes and also buy local. And providing support for neighborhood insurance agencies is especially important in Los Angeles.

After filling out this quick form, your information is immediately sent to participating agents in Los Angeles who will give you bids for your business. You never need to even leave your home since rate quotes are delivered instantly to you. If you wish to get a price quote from a specific company, just jump over to their website and submit a quote form there.

If you want a reputable insurance agent or broker, there are a couple of different agency structures that you can select. Insurance agencies in Los Angeles are considered either exclusive agents or independent agents. Both can sell insurance policies, but it’s worth learning the subtle differences because it can impact the selection process.

Independent Agents (or Brokers)

These type of agents are not restricted to one company and that allows them to write policies amongst many companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can just switch to a different company and you don’t have to switch agencies.

If you need lower rates, we recommend you compare quotes from a couple of independent agencies to get the best comparison.

Shown below is a partial list of independent agencies in Los Angeles who can help you get cheap rate quotes.

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Exclusive Insurance Agents

These type of agents can only write with one company and examples are Allstate, AAA, Farmers Insurance, and State Farm. Exclusive agents cannot provide rate quotes from other companies so keep that in mind. Exclusive insurance agents are usually quite knowledgeable on the products they sell which can be an advantage.

Below are exclusive agents in Los Angeles that are able to give price quote information.

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Picking the best insurance agency requires you to look at more than just the quoted price. Here are some questions you might want to ask.

• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Is the agency active in community causes in Los Angeles?
• Do you need full coverage on every vehicle?
• Does the agent have a valid license to sell insurance in California?
• Where would glass claims be handled in Los Angeles?

You may need specialized auto insurance coverage

When quoting and comparing the right insurance coverage, there really is no cookie cutter policy. Your needs are unique to you and a cookie cutter policy won’t apply.
These are some specific questions can aid in determining whether or not you will benefit from professional help.

• Why do I need rental car insurance?
• Who does medical payments coverage extend to?
• Am I covered if I crash into my own garage door?
• I have good health insurance, so how much medical payments coverage do I need?
• Am I covered when delivering products for my home-based business?
• Do I need to call my car insurance company before buying a new car?
• Does every company file a SR-22 automatically?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, 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.

Cheaper car insurance is a realistic goal

When searching for the cheapest Chrysler PT Cruiser rate quotes, make sure you don’t reduce coverage to reduce premium. In many instances, someone dropped liability limits or collision coverage only to find out that the savings was not a smart move. Your aim should be to find the BEST coverage at the lowest possible cost, not the least amount of coverage.

A few companies may not offer internet price quotes and usually these regional carriers sell through independent agencies. Lower-priced Chrysler PT Cruiser insurance in Los Angeles is attainable on the web in addition to local insurance agencies, so you should compare both to get a complete price analysis.

Additional car insurance information can be read at the links below

• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• How Much is Auto Insurance for a Dodge Ram in Los Angeles? (FAQ)
• All About Airbag Safety (State Farm)
• Safety Features for Your New Car (State Farm)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)