Save on Chrysler PT Cruiser Insurance in Baltimore

Shocking but true, about 70% of customers renewed their policy with the same company for at least the last four years, and nearly the majority have never quoted insurance rates at all. Most drivers in Baltimore could cut their rates by about 55% a year by just comparing rate quotes, but they don’t know how much they could save if they bought a different policy.

Insurance quote for Chrysler PT Cruiser in BaltimoreIf saving money is your primary concern, then the best way to find affordable quotes for Chrysler PT Cruiser insurance in Baltimore is to do an annual price comparison from different companies who sell auto insurance in Maryland. Rate comparisons can be done by completing these steps.

  1. Try to learn about how your policy works and the modifications you can make to prevent expensive coverage. Many factors that result in higher rates like speeding and bad credit can be improved by paying attention to minor details.
  2. Quote rates from direct carriers, independent agents, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or Allstate, while independent agents can quote rates for many different companies.
  3. Compare the new rates to the price on your current policy 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.
  4. Provide written notification to your current company to cancel the current policy and submit the completed application along with a down payment to the new insurer. Once received, put the proof of insurance paperwork in an accessible location in your vehicle.

One important bit of advice is to compare the same coverage limits and deductibles on each quote and and to get rates from as many companies as feasibly possible. Doing this helps ensure an accurate price comparison and a thorough price selection.

Get More Affordable Insurance Costs by Understanding These Factors

Many factors are part of the equation when premium rates are determined. Most are fairly basic such as your driving record, but some are more obscure such as your marital status or your vehicle rating. One of the most helpful ways to save on insurance is to to have a grasp of a few of the rating criteria that play a part in calculating the price you pay for insurance. If you understand what controls the rates you pay, this empowers consumers to make smart changes that can earn you cheaper rates.

Rates and statistics

The price information below outlines detailed analysis of insurance costs for Chrysler PT Cruiser models. Having a good understanding how policy rates are formulated is important for you to make smart choices when choosing a car insurance company.

Chrysler PT Cruiser Insurance Rates in Baltimore, MD
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $162 $308 $448 $26 $134 $1,078 $90
PT Cruiser 2WD 4-Dr $162 $308 $448 $26 $134 $1,078 $90
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Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Maryland minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Rates do not factor in zip code location which can influence price quotes substantially.

Car insurance deductibles

When buying car insurance, a common question is which deductibles should you choose. The rates below can help you visualize how much more rates are between low and high physical damage deductibles. The first rate table uses a $250 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Chrysler PT Cruiser insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $274 $434 $346 $20 $104 $1,203 $100
PT Cruiser 2WD 4-Dr $274 $434 $346 $20 $104 $1,203 $100
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Chrysler PT Cruiser insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $168 $274 $346 $20 $104 $912 $76
PT Cruiser 2WD 4-Dr $168 $274 $346 $20 $104 $912 $76
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, and Maryland minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in vehicle location which can decrease or increase coverage rates significantly.

Using the data above, we can ascertain that using a $250 deductible costs approximately $24 more each month or $288 annually than choosing the higher $1,000 deductible. Since you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you tend to go more than 31 months between claims, you would most likely save money going with the higher deductible. The numbers below show the way you can decide this on your own policy.

Average monthly premium for $250 deductibles: $100
Average monthly premium for $1,000 deductibles (subtract): – $76
Monthly savings from raising deductible: $24
Difference between deductibles ($1,000 – $250): $750
Divide difference by monthly savings: $750 / $24
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 31 months

Get cheaper Chrysler PT Cruiser insurance in Baltimore with discounts

Companies that sell car insurance do not advertise every possible discount in an easy-to-find place, so the list below gives a summary of both well-publicized and the more hidden credits that may apply to you.Car insurance discounts

Consumers should know that most credits do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like collision or personal injury protection. Even though it may seem like you can get free auto insurance, car insurance companies aren’t that generous.

The information below illustrates the difference between Chrysler PT Cruiser insurance costs with and without discounts applied. The premiums assume a male driver, no violations or claims, Maryland state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-car, safe-driver, marriage, claim-free, and multi-policy discounts applied.

A partial list of companies that may offer quotes with most of these discounts include:

If you are trying to find affordable Chrysler PT Cruiser insurance quotes, ask each company which discounts you qualify for. Depending on the company, some discounts might not be offered on policies in Baltimore.

Auto insurance companies ranked

Selecting a good quality car insurance company can be a challenge considering how many different companies sell coverage in Maryland. The ranking data displayed below could help you pick which companies you want to consider when comparing rate quotes.

Top 10 Baltimore Car Insurance Companies Ranked by Value

  1. Mercury Insurance
  2. Travelers
  3. American Family
  4. AAA Insurance
  5. Safeco Insurance
  6. Progressive
  7. The Hartford
  8. The General
  9. 21st Century
  10. Esurance

Top 10 Baltimore Car Insurance Companies Overall

  1. Travelers
  2. USAA
  3. Mercury Insurance
  4. AAA Insurance
  5. Nationwide
  6. Allstate
  7. State Farm
  8. The Hartford
  9. Safeco Insurance
  10. Progressive

One last thing to lower rates

When shopping online for auto insurance, you should never reduce coverage to reduce premium. There have been many situations where an accident victim reduced liability coverage limits only to regret at claim time that it was a big error on their part. Your objective should be to get the best coverage possible at the lowest possible cost, but don’t skip important coverages to save money.

In this article, we covered quite a bit of information on how to find cheap Chrysler PT Cruiser insurance in Baltimore. The key thing to remember is the more you quote Baltimore auto insurance, the better chance you’ll have of finding affordable Baltimore auto insurance quotes. Consumers could even find that the lowest prices are with a smaller regional carrier. These companies often have lower rates on specific markets compared to the large companies like Allstate, GEICO and Progressive.

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