Compare Chrysler PT Cruiser Insurance Rates in Jacksonville

It takes a few minutes, but the best way to save money on Chrysler PT Cruiser insurance in Jacksonville is to do a yearly price comparison from different companies in Florida. Prices can be compared by following these guidelines.

1. Read about individual coverages and the changes you can make to keep rates in check. Many risk factors that drive up the price such as traffic violations, accidents, and an unacceptable credit score can be remedied by being financially responsible and driving safely.
2. Compare prices from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from a single company like Progressive or Allstate, while independent agencies can provide prices for a wide range of insurance providers.
3. Compare the quotes to your existing coverage to see if a cheaper rate is available in Jacksonville. If you find a better price and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.

A tip to remember is to make sure you enter identical coverages on every quote and and to get rates from as many different insurance providers as possible. Doing this guarantees a fair price comparison and a complete rate analysis.

Unbelievably, a large majority of drivers in Florida kept buying from the same company for at least four years, and almost half have never compared rates to find affordable insurance. With the average car insurance premium being $1,847, U.S. drivers could save as much as 47% every year, but they just feel it’s too hard to find affordable insurance by shopping around.

Rates and other information

The data table shown next showcases a range of policy rates for Chrysler PT Cruiser models. Learning as much as possible about how insurance quotes are figured is important for you to make informed coverage decisions.

Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Information does not factor in specific location information which can affect coverage rates substantially.

Can higher deductibles save money?

One of the most common insurance questions is at what level do you set your deductibles. The figures shown below can help show the cost difference when you buy lower versus higher physical damage coverage deductibles. The first rate comparisons uses a $100 deductible for comp and collision and the second rate table uses a $500 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, safe-driver, and multi-policy. Prices do not factor in specific garaging location which can affect insurance rates greatly.

Based on the data above, we can derive that using a $100 deductible will cost in the ballpark of $23 more each month or $276 annually averaged for all PT Cruiser models than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to have more than 17 months between claims, you would save money if you elect the higher deductible. Here is a better example of how you can do this calculation yourself.

Male drivers compared to female drivers in Jacksonville

The diagram below compares Chrysler PT Cruiser annual premium costs for male and female drivers. The information is based on no accidents or driving violations, comprehensive and collision coverage, $100 deductibles, single marital status, and no discounts are factored in.

Chrysler PT Cruiser Insurance Prices Can Be Cheaper

Many different elements are considered when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but others are not as apparent such as your marital status or your commute time. When buying insurance it’s important to understand some of the things that play a part in calculating insurance rates. If you know what impacts premium levels, this enables you to make decisions that may reward you with big savings.

The list below includes a few of the “ingredients” that factor into your premiums.

• Cheaper rates by combining – Most companies provide better rates for people who buy several policies from them. It’s known as a multi-policy discount. Even if you already get this discount, you still need to compare other Jacksonville PT Cruiser insurance rates to verify if the discount is saving money.
• Having a spouse can lower rates – Having a significant other may earn you lower rates on your insurance bill. Having a significant other usually means you are more mature and it’s proven that married drivers get in fewer accidents.

• Responsible drivers pay less – Just one driving citation can increase the cost of insurance by as much as twenty percent. Drivers who don’t get tickets get better rates compared to drivers with tickets. Drivers who get multiple citations such as reckless driving, hit and run or driving under the influence may need to complete a SR-22 with the DMV in their state in order to drive a vehicle legally.

  The chart below shows how violations and at-fault collisions increase Chrysler PT Cruiser auto insurance rates for different ages of insureds. The rate quotes are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied to the premium.

• Teen drivers pay high rates – Older, more experienced drivers tend to be more responsible, tend to cause fewer accidents, and usually have better credit. Young drivers are proven to be careless and easily distracted behind the wheel so insurance rates are higher.

  The data below assumes a single driver, full coverage with $100 deductibles, and no discounts or violations.

• Low stress occupation equals lower rates – Jobs like doctors, air traffic controllers, and dentists generally have higher rates than the rest of us in part from stressful work requirements and long work hours. Other jobs like actors, historians and retirees have lower than average premiums.
• If you don’t need it don’t buy it – There are quite a few add-on coverages that can add up but may not be useful. Coverages like rental car reimbursement, towing coverage, and motor club memberships may not be needed and are just wasting money. You may think they are a good idea initially, but if you have no use for them think about removing them and cutting costs.

Persistent drivers can save

Low-cost Chrysler PT Cruiser insurance in Jacksonville is definitely available from both online companies as well as from independent agents in Jacksonville, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies do not offer the ability to get a quote online and many times these smaller companies only sell coverage through independent agencies.

As you quote Jacksonville auto insurance, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where an accident victim reduced liability coverage limits only to regret that they should have had better coverage. The aim is to buy the best coverage you can find at a price you can afford.

Insureds who switch companies do it for a variety of reasons including denial of a claim, being labeled a high risk driver, delays in responding to claim requests or extreme rates for teen drivers. No matter why you want to switch, choosing a new insurance company is less work than it seems.

Additional detailed information can be read by following these links:

• How to shop for a safer car (Insurance Institute for Highway Safety)
• What Auto Insurance is Cheapest for Infrequent Drivers in Jacksonville? (FAQ)
• How Much are Jacksonville Auto Insurance Quotes for a Chevrolet Traverse? (FAQ)
• Liability Insurance Coverage (Nationwide)
• How Much Auto Coverage do I Need? (Insurance Information Institute)
• Five Mistakes to Avoid (Insurance Information Institute)