Auto Insurance Rates for a Chrysler PT Cruiser in Tampa

Would you like to stop wasting money and find low-cost Chrysler PT Cruiser insurance in Tampa? Are you kicking yourself for buying overpriced Chrysler PT Cruiser insurance in Tampa? Say no more because you’re not alone.

Insurance rates Chrysler PT Cruiser in TampaA recent study revealed that most insurance buyers in Florida have bought insurance from the same company for at least four years, and nearly the majority have never compared rates with other companies. Consumers in the United States could pocket 47% a year by just comparing quotes, but most tend to underestimate the amount of money they would save if they switched.

Because you have many insurance companies to choose from, it can be hard to locate the right insurer.

It’s important to quote other rates once or twice a year because insurance rates trend upward over time. Just because you found the lowest rate on Chrysler PT Cruiser insurance in Tampa six months ago you may be paying too much now. Don’t believe everything you read about PT Cruiser insurance online, but by reading this article, you’re going to learn a bunch of ideas how to slash your insurance rates in Tampa.

Locating the most cost-effective car insurance policy in Tampa is much easier if you have a good place to start. If you are paying for car insurance now, you will be able to save money using these methods. Although Florida car owners can benefit from knowing how big insurance companies set your policy premium because rates fluctuate considerably.

Auto insurance rates and discounts

Auto insurance is not inexpensive, but there could be available discounts that can drop the cost substantially. Many of these discounts will be applied automatically when you get a quote, but once in a while a discount must be manually applied prior to receiving the credit.

Keep in mind that some of the credits will not apply to the entire cost. Most only cut individual premiums such as liability and collision coverage. Just because you may think having all the discounts means you get insurance for free, companies wouldn’t make money that way. But all discounts will help lower the cost of your policy.

The diagram below visualizes the comparison of Chrysler PT Cruiser insurance prices with and without discounts applied to the policy premium. The rate quotes are based on a female driver, no violations or accidents, Florida 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 safe-driver, claim-free, multi-car, multi-policy, homeowner, and marriage discounts applied.

A partial list of companies that may offer policyholders most of the discounts above are:

If you need lower rates, check with all companies you are considering which discounts you may be entitled to. All car insurance discounts may not apply to policyholders in your state.

Most of the larger companies make it easy to get coverage price quotes on their websites. Getting online rates for Chrysler PT Cruiser insurance in Tampa is possible for anyone because you just enter your coverage information into the quote form. Once entered, the system sends out for information on your driving record and credit history and returns a price based on many factors. Getting online rates for Chrysler PT Cruiser insurance in Tampa streamlines rate comparisons, and it’s absolutely necessary to get many rate quotes in order to get the best rate.

To get comparison pricing now, check out the auto insurance providers below. If you have a policy now, it’s recommended you duplicate the limits and deductibles exactly as shown on your declarations page. Doing this assures you will get an apples-to-apples comparison using the same coverage and limits.

The car insurance companies shown below offer price comparisons in Florida. To find cheap car insurance in Florida, we suggest you visit as many as you can to find the lowest car insurance rates.

Coverage information

The information shown next showcases estimates of insurance coverage prices for Chrysler PT Cruiser models. Understanding more about how car insurance premiums are formulated can help customers make smart choices when comparing insurance rates.

Chrysler PT Cruiser Insurance Rates in Tampa, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $242 $438 $400 $24 $120 $1,224 $102
PT Cruiser 2WD 4-Dr $242 $438 $400 $24 $120 $1,224 $102
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Information does not factor in zip code location which can lower or raise rates considerably.

Physical damage deductible comparison

A question often asked by Tampa drivers is how high should the physical damage deductibles be. The rates shown below can help you understand the difference in cost when you choose different comp and collision deductibles. The first rate estimation uses a $250 deductible for comp and collision and the second set of rates uses a $500 deductible.

Chrysler PT Cruiser insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $280 $446 $354 $20 $106 $1,231 $103
PT Cruiser 2WD 4-Dr $280 $446 $354 $20 $106 $1,231 $103
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Chrysler PT Cruiser insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $228 $360 $354 $20 $106 $1,068 $89
PT Cruiser 2WD 4-Dr $228 $360 $354 $20 $106 $1,068 $89
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Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Estimates do not factor in specific zip code location which can impact coverage prices greatly.

Based on this data, using a $250 deductible costs about $14 more each month or $168 a year than choosing the higher $500 deductible. Due to the fact that you would have to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 18 months between claims, you would probably come out ahead if you opt for a higher deductible.

Rate comparison of male drivers versus female drivers

The example below compares Chrysler PT Cruiser yearly insurance costs for male and female drivers. The rate quotes are based on no claims or violations, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are applied.

Full coverage versus liability-only in Tampa

The example below illustrates the comparison of Chrysler PT Cruiser premium costs with full physical damage coverage compared to only buying the minimum liability limits required in Florida. The premiums are based on no tickets, no at-fault accidents, $500 deductibles, single status, and no other discounts are factored in.

When to drop comp and collision

There is no exact formula to stop buying physical damage coverage on your policy, but there is a general guideline. If the annual cost of having full coverage is 10% or more of any settlement you would receive from your insurance company, then it could be time to drop full coverage.

For example, let’s assume your Chrysler PT Cruiser book value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after paying your deductible. If you are paying over $200 a year for comprehensive and collision coverage, then you might consider buying liability only.

There are some cases where buying only liability insurance is not advised. If you still owe money on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.

Get More Affordable Auto Insurance with These Tips

Part of the auto insurance buying process is learning the factors that come into play when calculating your auto insurance rates. When consumers understand what influences your rates, this enables you to make decisions that may reward you with lower rates. Many factors are taken into consideration when you get your auto insurance bill. Some are obvious like an MVR report, although others are not as apparent like your vehicle usage or your commute time.

The items below are a few of the things companies use to determine your rate level.

How to know if you need help

When it comes to buying a policy for your personal vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different and your policy should reflect that. For example, these questions may help you determine whether or not you might need professional guidance.

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Do I need an insurance agency?

Some consumers would prefer to buy from a licensed agent and that is just fine! One of the best bonuses of comparing insurance online is you may find better rates and still have an agent to talk to.

Tampa insurance agentsTo make it easy to find an agent, after completing this form (opens in new window), the quote information is submitted to agents in your area who will give you quotes for your insurance coverage. There is no reason to do any legwork because prices are sent directly to you. You can find the lowest rates and work with a local agent. If for some reason you want to compare prices from a specific insurance company, don’t hesitate to search and find their rate quote page and give them your coverage information.

Finding a good insurer requires more thought than just the price. Here are some questions you should ask.

Three reasons car insurance is important

Despite the high cost of buying insurance for a Chrysler PT Cruiser in Tampa, insuring your vehicle is mandatory in Florida but it also protects more than you think.

The benefits of having insurance are definitely more than the cost, especially if you ever need it. In a recent study of 1,000 drivers, the average customer is currently overpaying as much as $855 a year so compare rates at every policy renewal to make sure the price is not too high.

Do the work, save more money

We just showed you quite a bit of information on how to shop for Chrysler PT Cruiser insurance online. It’s most important to understand that the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the best car insurance rates are with a company that doesn’t do a lot of advertising. They may have significantly lower premium rates on certain market segments than their larger competitors like Allstate and Progressive.

When buying insurance coverage, do not buy poor coverage just to save money. There are many occasions where drivers have reduced collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your objective should be to purchase a proper amount of coverage at the best cost, but don’t skip important coverages to save money.

How to buy discount Chrysler PT Cruiser insurance in Tampa

Really, the only way to get affordable auto insurance rates in Tampa is to start comparing prices yearly from companies who can sell car insurance in Florida.

One thing to point out is that you use similar limits and deductibles on each price quote and and to look at every insurance company. Doing this helps ensure a fair rate comparison and a better comparison of the market.

More detailed auto insurance information is located in the articles below: