Compare Chrysler PT Cruiser Insurance Quotes in Detroit

No car owner looks forward to paying for auto insurance, especially when their premiums are through the roof.

Regrettably, most auto insurance customers have stayed with the same insurance company for more than four years, and approximately 40% of consumers have never quoted auto insurance rates at all. Michigan drivers could save roughly $3,800 a year just by shopping around, but they just don’t want to compare other rate quotes. Lots of auto insurance companies contend for your insurance dollar, and it can be difficult to compare rates to get the best rates possible on Chrysler PT Cruiser insurance in Detroit.

Finding a better price on auto insurance is surprisingly easy. The only thing you need to do is take a couple of minutes to get quotes to discover which company has cheaper Detroit car insurance quotes.

Getting rates online is very simple and it replaces the need to spend your day driving to each insurance agency near you. Comparing online rate quotes makes this process obsolete unless you’re the type of person who wants the guidance that only a licensed agent can provide. It is possible to price shop your coverage online but buy the policy through an agent.

The companies shown below are our best choices to provide price comparisons in Detroit, MI. If you want to find the best car insurance in Detroit, we recommend you visit two to three different companies to get the best price comparison.

Data for Chrysler PT Cruiser insurance

The coverage information below highlights detailed analysis of insurance premium costs for Chrysler PT Cruiser models. Having a good understanding how rate quotes are determined can help guide drivers when making smart choices when purchasing an insurance policy.

Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Michigan minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Estimates do not factor in specific zip code location which can modify prices greatly.

Where to set your deductibles

One of the more difficult decisions when buying auto insurance is which deductible level should you buy. The figures shown below show the difference in cost between high and low policy deductibles. The first set of prices uses a $250 deductible and the second price chart uses a $1,000 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Michigan minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in specific zip code location which can raise or lower auto insurance rates noticeably.

Based on the data above, we can derive that using a $250 deductible costs approximately $40 more each month or $480 annually than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to have at least 19 months between claims, you would probably be better off if you decide on a higher deductible. Below is a better example of how you can perform this determination yourself.

Auto insurance does more than just protect your car

Even though Detroit PT Cruiser insurance rates can get expensive, auto insurance serves several important purposes.

• Almost all states have compulsory liability insurance requirements which means the state requires a specific minimum amount of liability insurance in order to drive the car. In Michigan these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your Chrysler with a loan, almost all lenders will require you to buy full coverage to guarantee loan repayment. If you cancel or allow the policy to lapse, the lender may insure your Chrysler at a much higher premium rate and force you to reimburse them a much higher amount than you were paying before.
• Insurance protects not only your vehicle 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. As part of your policy, liability insurance will also pay attorney fees if someone files suit against you as the result of an accident. If your car is damaged in a storm or accident, your auto insurance policy will pay to repair the damage minus the deductible amount.

The benefits of insuring your car definitely exceed the cost, especially for larger claims. The average driver in America is wasting up to $865 each year so shop around each time the policy renews to ensure rates are competitive.

Find Cheaper Car Insurance with These Tips

Lots of things are part of the equation when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, although some other factors are more transparent such as whether you are married and annual miles driven.

Shown below are some of the most common factors companies use to determine your rates.

• High physical damage deductibles save money – Comprehensive and collision coverage deductibles state the amount of money you are willing to pay if the claim is covered. Protection for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your car. Some coverage claims are collision with another vehicle, collision with a deer, and having a roll-over accident. The more money you choose to pay out-of-pocket, the lower your rates will be.
• Small coverages can add up – Policies have additional coverages you can purchase on your PT Cruiser policy. Coverage for things like rental car coverage, accidental death, and extra equipment coverage may be costing you every month. They may seem good when discussing your needs, but if you’ve never needed them in the past eliminate them to save money.
• Drive lots and pay more – The higher the mileage driven each year the more you will pay for car insurance. Most companies charge to insure your cars based upon how you use the vehicle. Cars that sit idle most of the time can get a lower rate than cars that get driven a lot. An improperly rated PT Cruiser may be wasting your money. Verify your declarations sheet states the proper vehicle usage, because it can save money.
• Never have car insurance lapses – Going without insurance is a fast way to increase your rates. Not only will you pay higher rates, failure to provide proof of insurance may earn you a steep fine or even jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with the Michigan motor vehicle department.

• Does car insurance cost less for females? – Statistics demonstrate that females take fewer risks when driving. It does not mean women are better drivers. Women and men get in fender benders in similar percentages, but the male of the species get into accidents with more damage. Men also tend to get higher numbers of serious violations like driving under the influence (DUI).

  The diagram below shows the difference between Chrysler PT Cruiser yearly insurance costs for male and female drivers. The information is based on no claims or violations, full physical damage coverage, $100 deductibles, marital status is single, and no additional discounts are factored in.

• Being married is a good thing – Your spouse actually saves money compared to being single. Marriage generally demonstrates drivers are more stable financially and statistics prove being married results in fewer claims.

Auto insurance discounts help lower rates for Chrysler PT Cruiser insurance in Detroit

Insurance can cost an arm and a leg, but you might be missing out on some discounts to help offset the cost. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be asked about before being credited.

• Senior Citizens – Drivers that qualify as senior citizens may receive a small decrease in premiums.
• No Claims – Drivers with accident-free driving histories can earn big discounts as opposed to drivers with a long claim history.
• Driver Training Discounts – Completing a class that teaches defensive driving techniques could save 5% or more if your company offers it.
• Telematics Discount – People who choose to allow driving data collection to track when and where they use their vehicle by installing a telematics device like Allstate’s Drivewise could save a few bucks if they have good driving habits.
• Safe Driver Discount – Accident-free drivers can pay as much as 50% less compared to accident prone drivers.
• Smart Student Discounts – Getting good grades could provide a savings of up to 20% or more. You can use this discount normally well after school through age 25.
• Homeowners Savings – Being a homeowner can save you money because of the fact that having a home is proof of financial responsibility.

You can save money using discounts, but most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like collision or personal injury protection. Just because it seems like you could get a free auto insurance policy, company stockholders wouldn’t be very happy.

The example below shows the comparison of Chrysler PT Cruiser insurance prices with and without discounts applied to the premium. The premiums assume a male driver, no violations or accidents, Michigan state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, multi-policy, homeowner, claim-free, and safe-driver discounts applied.

Insurance companies that may include some of the discounts shown above include:

• State Farm
• American Family
• AAA
• GEICO
• Mercury Insurance
• Farmers Insurance
• Progressive

When quoting, ask every prospective company which discounts can lower your rates. Some discounts may not be available in your state.

Shop online but buy locally

A lot of people would rather get professional advice from a licensed agent and that is OK! Experienced insurance agents can answer important questions and help file insurance claims. An additional benefit of comparing auto insurance online is that you can find lower rates and still have an agent to talk to. Buying from neighborhood agents is definitely important in Detroit.

Upon completion of this short form, your insurance coverage information is submitted to participating agents in Detroit who want to provide quotes for your coverage. You won’t need to leave your computer as quotes are delivered instantly to you. If you want to compare rates from a specific insurance company, don’t hesitate to go to their quote page to submit a rate quote request.

Exclusive and independent Detroit car insurance agents

When researching a reputable insurance agent or broker, it can be helpful to understand the types of insurance agents from which to choose. Agents in Detroit are categorized either exclusive or independent (non-exclusive). Either one can sell and service auto insurance coverage, but we need to point out the difference between them because it can influence your selection of an agent.

Independent Agents (or Brokers)

These agents do not write with just one company so they can quote policies with lots of companies and potentially find a lower price. If they quote lower rates, the agent simply finds a different carrier which makes it simple for you.

When comparing rates, we highly recommend that you get insurance quotes from multiple independent agents to maximize your price options.

Featured below is a partial list of independent insurance agents in Detroit who may be able to give you price quote information.

View more Detroit agents

Exclusive Agencies

These agents are contracted to one company and examples are State Farm or Allstate. Exclusive agents are unable to give you multiple price quotes so they have no alternatives for high prices. Exclusive agents are trained well in insurance sales and that allows them to sell at a higher price point.

The following are Detroit exclusive agencies that can give you price quote information.

View more Detroit agents

Finding the right insurance agent is decision based upon more than just the premium amount. These are valid questions to ask:

• Can they give you a list of client referrals?
• Is auto insurance their primary focus in Detroit?
• Do they get extra compensation for selling add-on coverages?
• How long have they worked with personal auto insurance coverage?
• Do they carry Errors and Omissions coverage?

Don’t give up on cheap rates

When you buy Detroit car insurance online, make sure you don’t skimp on critical coverages to save a buck or two. There have been many cases where an insured cut liability coverage limits and learned later that the small savings ended up costing them much more. The ultimate goal is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

In this article, we presented a lot of techniques to reduce Chrysler PT Cruiser insurance prices online in Detroit. It’s most important to understand that the more rate quotes you have, the better likelihood of getting affordable Detroit car insurance quotes. You may even discover the best prices are with an unexpected company. Regional companies may only write in your state and offer lower rates than their larger competitors like Allstate, GEICO and Progressive.

Steps to finding cheaper rates for Chrysler PT Cruiser insurance in Detroit

The best way to get budget Chrysler PT Cruiser insurance in Detroit is to compare prices at least once a year from different companies in Michigan. Rates can be compared by following these steps.

First, gain an understanding of how companies set rates and the factors you can control to keep rates in check. Many factors that drive up the price like your driving record and an unacceptable credit score can be rectified by making lifestyle changes or driving safer.

Second, compare rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from one company like GEICO or State Farm, while independent agencies can provide prices from multiple sources.

Third, compare the quotes to your existing policy to see if cheaper PT Cruiser coverage is available. If you find better rates and change companies, ensure coverage does not lapse between policies.

Fourth, notify your company or agent of your intent to cancel the current policy and submit payment and a signed application to the newly selected company. Be sure to put the certificate verifying coverage with the vehicle registration.

The key aspect of shopping around is to try to compare identical limits and deductibles on each quote request and to quote with as many auto insurance providers as possible. Doing this guarantees the most accurate price comparison and a complete rate analysis.

For more information, feel free to browse these articles:

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• How Much is Detroit Auto Insurance for Immigrants? (FAQ)
• How Much are Auto Insurance Quotes for a Company Car in Detroit? (FAQ)
• Who Has Affordable Auto Insurance for Young Drivers in Detroit? (FAQ)
• Who has the Cheapest Auto Insurance Quotes in Detroit, MI? (DetroitInsure.com)
• Winter Driving (Insurance Information Institute)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Institute)