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.

If 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.

• The type of car makes a difference – The type of vehicle you own makes a significant difference in your car insurance bill. Small economy passenger cars generally have the cheapest insurance rates, but your final cost has many other factors.

  The next chart uses these variables: married female driver age 20, full coverage with $500 deductibles, and no discounts or violations. It illustrates Chrysler PT Cruiser insurance premiums compared to other models that have different performance rating factors.

• Youthful drivers pay higher costs – Older drivers tend to be more responsible, tend to cause fewer accidents, and get fewer tickets. Beginning drivers are known to get distracted easily when behind the wheel and because of this, their insurance rates are much higher.

  The chart below uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Bad drivers pay high prices – A bad driving record has a huge affect on how much you pay. Good drivers pay less for auto insurance compared to drivers with tickets. Even one speeding ticket can bump up the cost by as much as twenty percent. People who have dangerous violations like reckless driving, hit and run or driving under the influence might be required by their state to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.

  The information below illustrates how violations and accidents raise Chrysler PT Cruiser annual premium costs for different age groups. The rate quotes are based on a single male driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

• Vehicles with better crash test results cost less to insure – Vehicles that have high safety ratings are cheaper to insure. Safe vehicles reduce occupant injuries and better occupant protection translates directly to fewer claims and thus lower rates. If your Chrysler PT Cruiser has at least four stars on Safercar.gov it is probably cheaper to insure.
• Save money with GPS tracking and theft deterrents – Buying a car with a theft deterrent system can save you a little every year. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent your vehicle from being stolen.
• Get better rates if married – Walking down the aisle may cut your premiums on your insurance bill. Marriage means you’re more responsible and statistics show married couples file fewer claims.
• Annual mileage and car insurance prices – The more miles you rack up on your Chrysler in a year’s time the higher your rates will be. Many insurance companies apply a rate based upon how much you drive. Cars and trucks left parked in the garage cost less to insure than cars that get driven a lot. Make sure your insurance policy reflects the correct driver usage. A policy that improperly rates your PT Cruiser may be wasting your money.

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.

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.

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.

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.

• Online Discount – A few companies provide a small discount for signing up over the internet.
• Early Switch Discount – A few companies allow discounts for signing up before your current PT Cruiser insurance policy expires. It’s a savings of about 10%.
• Drive Less and Save – Keeping the miles down on your Chrysler could be rewarded with lower rates due to less chance of an accident.
• Early Payment Discounts – If you can afford to pay the entire bill instead of monthly or quarterly installments you may have a lower total premium amount.
• College Student – Kids who are enrolled in higher education away from home without a vehicle on campus may qualify for this discount.
• Multiple Policy Discount – When you combine your auto and homeowners insurance with one company you may earn nearly 15% which can help you find cheap PT Cruiser insurance.
• New Car Discount – Insuring a vehicle that is new can save up to 30% since newer vehicles are generally safer.

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:

• GEICO
• MetLife
• Progressive
• Travelers
• SAFECO
• AAA

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.

More information

• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• What is the Cheapest Auto Insurance in Baltimore, Maryland? (FAQ)
• Who Has the Cheapest Auto Insurance for Postal Workers in Baltimore? (FAQ)
• How Much is Auto Insurance for Handicapped Drivers in Baltimore? (FAQ)
• How Much are Baltimore Auto Insurance Rates for Drivers Under 25? (FAQ)
• Collision Coverage (Liberty Mutual)
• Speed and Speed Limit FAQ (iihs.org)
• Young Drivers: The High Risk Years Video (iihs.org)
• New vehicle ratings focus on headlights (Insurance Institute for Highway Safety)