Save Money on Chrysler PT Cruiser Insurance in Dallas

It’s well known that insurance companies want to keep your business as long as possible. People who shop around once a year are highly likely to switch car insurance companies because they have a good chance of finding lower rate quotes. A recent survey found that consumers who compared rates regularly saved over $865 a year compared to other drivers who never compared prices.

If finding the best rates on car insurance is your intention, then having some insight into how to compare coverage rates can make it easier for you to save money.

Insurance for Chrysler PT CruiserThe easiest way to get more affordable Chrysler PT Cruiser insurance is to annually compare prices from different companies that sell auto insurance in Dallas.

  1. Read about the coverage provided by your policy and the modifications you can make to prevent rate increases. Many risk factors that drive up the price like at-fault accidents, speeding tickets, and a substandard credit history can be amended by making small lifestyle or driving habit changes.
  2. Compare prices from exclusive agents, independent agents, and direct providers. Exclusive agents and direct companies can only provide price estimates from one company like GEICO and Allstate, while independent agents can quote prices for a wide range of companies.
  3. Compare the new quotes to your existing rates to see if switching to a new carrier will save money. If you find better rates and switch companies, ensure coverage does not lapse between policies.
  4. Provide adequate notice to your current company to cancel the current policy and submit the completed application along with a down payment to the new company. Once coverage is bound, safely store the certificate verifying proof of insurance in an easily accessible location.

The most important part of this process is to use similar limits and deductibles on every quote and and to analyze all possible companies. Doing this guarantees a fair price comparison and the best price selection.

The fastest way that we advise to compare car insurance rates for Chrysler PT Cruiser insurance in Dallas is to know the trick most larger insurance companies actually pay money for the chance to provide you with a free rate quote. All you need to do is spend a couple of minutes providing details such as the ages of drivers, whether your vehicle is owned or leased, the type of vehicles you drive, and whether or not you need a SR-22. Your details is submitted instantly to many different companies and they provide comparison quotes almost instantly.

To find lower cheaper Chrysler PT Cruiser insurance rates now, click here and enter your zip code.

The companies in the list below provide quotes in Dallas, TX. If multiple companies are shown, it’s a good idea that you visit two to three different companies in order to find the most competitive rates.

Auto insurance does more than just repair your car

Even though it’s not necessarily cheap to insure a Chrysler in Dallas, buying auto insurance is required in Texas but also provides important benefits.

The benefits of carrying enough insurance definitely exceed the price paid, particularly for liability claims. According to a recent study, the average American driver is overpaying more than $810 a year so shop around at every renewal to help ensure money is not being wasted.

Rates and other information

The premium table displayed below outlines detailed analysis of insurance rates for Chrysler PT Cruiser models. Being more informed about how auto insurance policy rates are established is important for you to make decisions on which insurance to purchase.

Chrysler PT Cruiser Insurance Rates in Dallas, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $122 $212 $304 $18 $92 $748 $62
PT Cruiser 2WD 4-Dr $122 $212 $304 $18 $92 $748 $62
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Data rating is based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Prices do not factor in your specific Dallas location which can raise or lower rates greatly.

Rate comparison of males versus females in Dallas

The diagram below shows the comparison of Chrysler PT Cruiser yearly insurance costs for male and female drivers. The rate quotes are based on no tickets, no at-fault accidents, comp and collision included, $250 deductibles, drivers are single, and no discounts are applied to the premium.

Rate comparison of full coverage and liability-only

The chart below shows the comparison of Chrysler PT Cruiser yearly insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The rate quotes are based on no claims or driving violations, $500 deductibles, single status, and no discounts are applied to the premium.

When to drop full coverage

There is no clear-cut rule to stop paying for physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it could be time to drop full coverage.

For example, let’s assume your Chrysler PT Cruiser replacement cost is $4,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company will settle for is $3,000 after paying your deductible. If premiums are more than $300 a year for full coverage, then you might want to consider buying only liability coverage.

There are some situations where eliminating full coverage is not financially feasible. If you haven’t paid off your loan, you have to carry full coverage to protect the lienholder’s interest in the vehicle. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should not buy liability only.

Dallas insurance discounts for a Chrysler PT Cruiser

Car insurance is not cheap, but there could be significant discounts that can drop the cost substantially. Most are applied when you get a quote, but some may not be applied and must be asked for before they will apply.Car insurance discounts

One thing to note about discounts is that many deductions do not apply the whole policy. Some only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you can get free auto insurance, that’s just not realistic.

The chart below shows the comparison of Chrysler PT Cruiser insurance rates with and without policy discounts. The rates are based on a male driver, no claims, a clean driving record, Texas state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, homeowner, multi-car, marriage, and multi-policy discounts applied.

Companies that may include most of the discounts above include:

Double check with all the companies which discounts you qualify for. Some discounts listed above might not be available to policyholders in Dallas. To locate insurance companies with significant discounts in Texas, click this link.

Your car insurance coverage should be tailored to you

When buying proper insurance coverage, there isn’t really a perfect coverage plan. Every situation is different.Safe vehicles cost less to insure

For instance, these questions could help you determine whether or not you might need an agent’s assistance.

If you’re not sure about those questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, simply complete this short form.