How to Save on Virginia Beach Chrysler PT Cruiser Insurance

Smart shoppers know that auto insurance companies don’t want their customers to go rate shopping. Consumers who shop around at least once a year will presumably buy a different policy because they stand a good chance of finding lower prices. A recent study showed that consumers who routinely compared quotes saved $865 a year as compared to drivers who don’t make a habit of comparing rates.

If finding the lowest price for insurance in Virginia Beach is your objective, then learning a little about how to shop for insurance coverage can make shopping around easier.

Insurance for Chrysler PT CruiserThe best way to get affordable auto insurance rates is to compare prices once a year from providers who provide auto insurance in Virginia Beach. You can compare prices by following these steps.

Step 1: Take a few minutes and learn about individual coverages and the measures you can control to prevent expensive coverage. Many rating factors that increase rates like your driving record and poor credit rating can be controlled by making minor driving habit or lifestyle changes. Continue reading for more details to get cheaper rates and get bigger discounts.

Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO or Allstate, while independent agencies can provide price quotes from multiple insurance companies.

Step 3: Compare the quotes to your current policy premium to determine if you can save on PT Cruiser insurance. If you find a lower rate and make a switch, make sure there is no coverage gap between policies.

Step 4: Provide proper notification to your current company to cancel your current car insurance policy and submit a completed policy application and payment to the new insurer. As soon as you can, put the new proof of insurance paperwork along with the vehicle’s registration papers.

A tip to remember is that you’ll want to compare the same deductibles and limits on every quote and and to get quotes from as many different insurance providers as possible. This ensures an accurate price comparison and a thorough price selection.

This article will instruct you on the best way to buy inexpensive insurance and some money-saving tips. If you currently have insurance, you will most likely be able to shop for the lowest rates using these tips. Nevertheless, Virginia car owners do need to learn how big insurance companies determine what you pay because rates fluctuate considerably.

Verify you’re applying every discount

The price of auto insurance can be rather high, but you may qualify for discounts to cut the cost considerably. Some discounts apply automatically when you quote, but less common discounts must be asked for before they will apply.

Just know that most credits do not apply to the whole policy. Some only reduce specific coverage prices like comp or med pay. Just because it seems like you can get free auto insurance, insurance companies wouldn’t stay in business.

The example below shows the difference between Chrysler PT Cruiser yearly insurance costs with and without discounts applied. The data assumes a male driver, no claims or driving citations, Virginia state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, safe-driver, claim-free, and homeowner discounts applied.

Popular auto insurance companies and their possible discounts are included below.

Before you buy a policy, ask every company to give you their best rates. Some of the discounts discussed earlier might not be available to policyholders in your area. For a list of providers offering auto insurance discounts in Virginia, click here to view.

The majority of larger companies provide prices for coverage on their websites. Doing online price comparisons for Chrysler PT Cruiser insurance in Virginia Beach is pretty painless because it’s just a matter of typing in your coverage preferences as requested by the quote form. When complete, their system requests reports for credit and driving violations and returns a price quote based on the information you submitted.

Being able to quote online for Chrysler PT Cruiser insurance in Virginia Beach makes comparing rates easy, and it’s also necessary to compare as many rates as possible if you are searching for the best rate on insurance.

In order to find out what other companies charge, compare rate quotes from the providers shown below. If you have a policy now, it’s recommended you enter coverages and limits as shown on your current policy. Doing this guarantees you will have an apples-to-apples comparison for the exact same coverage.

The providers in the list below offer free quotes in Virginia. To locate cheap car insurance in Virginia Beach, VA, it’s highly recommended you visit two to three different companies to find the most competitive auto insurance rates.

Rates and detailed analysis

The premium information shown below showcases detailed analysis of coverage prices for Chrysler PT Cruiser models. Learning how auto insurance policy rates are formulated can be of help when making decisions when shopping your coverage around.

Chrysler PT Cruiser Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $118 $214 $296 $18 $88 $734 $61
PT Cruiser 2WD 4-Dr $118 $214 $296 $18 $88 $734 $61
Get Your Own Custom Quote Go

Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Virginia minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Table data does not factor in specific zip code location which can revise premium rates considerably.

Physical damage deductibles: Should you raise them?

One frequently asked question is where to set your physical damage deductibles. The rates below can help you understand the rate differences between low and high policy deductibles. The first set of rates uses a $100 comprehensive and collision deductible and the second rate table uses a $500 deductible.

Chrysler PT Cruiser insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $192 $328 $218 $12 $66 $841 $70
PT Cruiser 2WD 4-Dr $192 $328 $218 $12 $66 $841 $70
Get Your Own Custom Quote Go

Chrysler PT Cruiser insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $140 $222 $218 $12 $66 $658 $55
PT Cruiser 2WD 4-Dr $140 $222 $218 $12 $66 $658 $55
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Virginia minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Rate quotes do not factor in Virginia Beach location which can modify coverage rates significantly.

We can derive from the above data that using a $100 deductible costs about $15 more each month or $180 a year across all Chrysler PT Cruiser models than buying the higher $500 deductible. Because you would pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 27 months between claims, you would probably save some money if you choose the higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $70
Average monthly premium for $500 deductibles (subtract): – $55
Monthly savings from raising deductible: $15
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

One big caveat is that raising deductibles to get cheaper rates means you will have to pay more of your own money if you have a claim. You must have some extra funds in the event you need to pay the deductible.

You Can Change Your Insurance Rates

When buying auto insurance it’s important to understand some of the factors that come into play when calculating your policy premiums. If you have some idea of what impacts premium levels, this helps enable you to make changes that can help you get lower auto insurance prices.

Get rate quotes but buy from a local Virginia Beach insurance agency

Many people would rather sit down and talk to an agent and we recommend doing that A nice benefit of comparing rate quotes online is that you can obtain cheap insurance quotes but also keep your business local. Buying insurance from local insurance agents is important especially in Virginia Beach.

By using this quick form, your information is transmitted to companies in Virginia Beach who will return price quotes for your business. It makes it easy because there is no need to visit any agencies because quoted prices will be sent immediately to your email address. You’ll get the best rates AND a local agent. In the event you want to get a comparison quote from a specific insurance provider, feel free to jump over to their website to submit a rate quote request.

If you are wanting to find local Virginia Beach agents, there are two types of insurance agents and how they can service your needs differently. Agents are considered either exclusive or independent.

Independent Insurance Agencies

Agents in the independent channel are not restricted to one company so they have the ability to put coverage through lots of different companies depending on which coverage is best. If they find a lower price, the agent simply finds a different carrier and you won’t have to switch agencies.

When comparing insurance rates, we highly recommend that you compare prices from independent agents so that you have a good selection of quotes to compare. They often place coverage with small regional insurance companies that may provide cheaper insurance rates.

Shown below are Virginia Beach independent agents that may be able to give competitive price quotes.

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Exclusive Insurance Agents

Agents in the exclusive channel can only quote rates from one company such as Farmers Insurance and State Farm. Exclusive agents cannot compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are usually well trained in insurance sales which helps them sell on service rather than price. Some people will only buy from exclusive agents partially due to high brand loyalty rather than low rates.

The following is a short list of exclusive insurance agents in Virginia Beach that are able to give price quote information.

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Selecting an insurance agent shouldn’t rely on just a cheap price. Before buying a policy in Virginia Beach, get answers to these questions.

Upon receiving good feedback to these questions in addition to an acceptable price estimate, you may have found an insurance agent that can provide insurance coverage.

Best reasons to buy auto insurance in Virginia

Despite the potentially high cost of Chrysler PT Cruiser insurance, maintaining insurance is a good idea for several reasons.

The benefits of having auto insurance outweigh the cost, especially when you need to use it. The average driver in America is currently overpaying as much as $850 per year so it’s very important to do a rate comparison at every renewal to ensure rates are competitive.

One last thing to lower rates

Consumers who switch companies do it for any number of reasons including extreme rates for teen drivers, being labeled a high risk driver, an unsatisfactory settlement offer or even questionable increases in premium. It doesn’t matter why you want to switch finding the right auto insurance provider is not as difficult as it may seem.

Cheaper auto insurance in Virginia Beach can be bought from both online companies in addition to many Virginia Beach insurance agents, and you need to comparison shop both to get a complete price analysis. A few companies do not provide internet price quotes and many times these smaller companies provide coverage only through local independent agencies.

You just read a lot of tips how to find cheap Chrysler PT Cruiser insurance in Virginia Beach. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the best price on auto insurance is with an unexpected company.

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