Cheap Rate Quotes for Chrysler PT Cruiser Insurance in Colorado Springs

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It's easy to assume that car insurance companies want to keep your business as long as possible. People who get price comparisons are likely to buy a different policy because they have a good chance of finding discount prices. A recent auto insurance study revealed that consumers who made a habit of comparing rates saved about $72 a month compared to drivers who never shopped for cheaper rates.

If finding discount rates on Chrysler PT Cruiser insurance is the reason for your visit, then understanding how to find companies and compare coverage rates can make it simple to find affordable coverage.

Discount Chrysler PT Cruiser insuranceIf you want to save money, the best way to get cheaper auto insurance rates is to start comparing prices regularly from providers that sell auto insurance in Colorado Springs.

First, take a little time to learn about how companies price auto insurance and the factors you can control to keep rates down. Many policy risk factors that result in higher prices like traffic violations, accidents, and a not-so-good credit history can be amended by making minor driving habit or lifestyle changes. Read the full article for information to help prevent costly coverage and find discounts that may have been missed.

Second, quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO and Allstate, while independent agencies can provide price quotes for many different companies.

Third, compare the new rates to your existing rates and see if there is a cheaper rate in Colorado Springs. If you can save money and change companies, make sure coverage does not lapse between policies.

Fourth, provide notification to your current company to cancel your current coverage. Submit the completed application along with a down payment to the new insurer. Once coverage is bound, safely store the certificate of insurance in your vehicle's glove compartment or console.

A good tip to remember is to use similar coverage information on each price quote and and to look at as many companies as you can. Doing this guarantees an apples-to-apples comparison and the most accurate and complete price analysis.

The best way to get policy rate comparisons for Chrysler PT Cruiser insurance in Colorado Springs is to take advantage of the fact most of the bigger providers pay for the opportunity to provide you with free rate quotes. To start a quote, the only thing you need to do is spend a couple of minutes providing details including what you do for a living, marital status, if the vehicle is leased, and any included safety features. Your information is then submitted to all major companies and you will get price comparisons instantly.

To find lower affordable Chrysler PT Cruiser insurance rates now, click here and enter your coverage details.

The providers in the list below provide price comparisons in Colorado. To find cheap auto insurance in CO, we suggest you get rate quotes from several of them to get a more complete price comparison.

You may qualify for discounts for Chrysler PT Cruiser insurance in Colorado Springs

Auto insurance companies don't always publicize every discount very well, so we researched both well-publicized and the harder-to-find discounts that you may qualify for. If you don't get every credit available, it's possible you qualify for a lower rate.Insurance discounts

  • Theft Deterrent - Anti-theft and alarm system equipped vehicles are less likely to be stolen and will save you 10% or more on PT Cruiser insurance in Colorado Springs.
  • Multiple Cars - Drivers who insure all your vehicles with the same insurance company can get a discount on all vehicles.
  • Responsible Driver Discount - Drivers without accidents can get discounts for up to 45% lower rates than drivers with accidents.
  • Paperless Signup - A handful of larger companies will give you a small discount for buying a policy and signing up on the web.
  • Policy Bundle Discount - If you have multiple policies with the same insurance company you will save up to 20% off your total PT Cruiser insurance premium.

It's important to understand that most of the big mark downs will not be given to all coverage premiums. The majority will only reduce specific coverage prices like comp or med pay. So despite the fact that it appears it's possible to get free car insurance, it's just not the way it works. Any amount of discount will reduce your overall premium however.

The information below illustrates the comparison of Chrysler PT Cruiser car insurance rates with and without discounts applied to the rates. The information is based on a female driver, no claims or driving citations, Colorado 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 multi-policy, marriage, multi-car, homeowner, claim-free, and safe-driver discounts applied.

A few of the larger companies and a selection of discounts are detailed below.

  • State Farm offers discounts for multiple autos, passive restraint, student away at school, good driver, multiple policy, and safe vehicle.
  • GEICO has savings for daytime running lights, air bags, military active duty, driver training, and good student.
  • Liberty Mutual policyholders can earn discounts including good student, newly retired, new vehicle discount, exclusive group savings, and multi-policy.
  • The Hartford may include discounts for air bag, anti-theft, driver training, bundle, good student, vehicle fuel type, and defensive driver.
  • MetLife discounts include multi-policy, good student, accident-free, claim-free, defensive driver, and good driver.
  • Progressive includes discounts for homeowner, online signing, multi-vehicle, continuous coverage, and good student.

If you are trying to find inexpensive Colorado Springs car insurance quotes, ask each company which credits you are entitled to. Depending on the company, some discounts may not be offered in your state. To see a list of providers with the best Chrysler PT Cruiser insurance discounts in Colorado, follow this link.

Insurance rate breakdown

The premium information shown next covers detailed analysis of coverage prices for Chrysler PT Cruiser models. Learning more about how insurance prices are established is important for making informed decisions when comparing rate quotes.

Chrysler PT Cruiser Insurance Rates in Colorado Springs, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $184 $320 $286 $16 $86 $892 $74
PT Cruiser 2WD 4-Dr $184 $320 $286 $16 $86 $892 $74
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Premium data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in Colorado Springs location which can revise auto insurance rates noticeably.

Physical damage deductible comparison

One of the hardest decisions when shopping for auto insurance is which deductible level should you buy. The rates below may aid in understanding the costs and benefits when you choose different deductibles. The first rate comparisons uses a $250 deductible 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 $236 $376 $298 $18 $90 $1,043 $87
PT Cruiser 2WD 4-Dr $236 $376 $298 $18 $90 $1,043 $87
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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 $192 $304 $298 $18 $90 $902 $75
PT Cruiser 2WD 4-Dr $192 $304 $298 $18 $90 $902 $75
Get Your Own Custom Quote Go

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-vehicle, homeowner, claim-free, multi-policy, and safe-driver. Rate quotes do not factor in vehicle garaging location which can alter rates noticeably.

Based on the above data, using a $250 deductible will cost you roughly $12 more each month or $144 for a full year than quoting the higher $500 deductible. Because you would pay $250 more to settle a claim with a $500 deductible as compared to a $250 deductible, if you tend to go at a minimum 21 months between claim filings, you would probably come out ahead if you choose a higher deductible.

Calculation for determining deductible levels

Average monthly premium for $250 deductibles: $87
Average monthly premium for $500 deductibles (subtract): - $75
Monthly savings from raising deductible: $12
Difference between deductibles ($500 - $250): $250
Divide difference by monthly savings: $250 / $12
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One thing to be aware of is that raising deductibles to save money results in a higher out-of-pocket expense when you have to file a claim. You need to make sure you have enough money stashed away in the event you have to pay the higher deductible in order to repair your vehicle.

The chart below demonstrates how deductibles and can affect Chrysler PT Cruiser yearly insurance costs for different age groups of insureds. The information is based on a single male driver, comprehensive and collision coverage, and no discounts are taken into consideration.

Violations and accidents raise rates

The diagram below highlights how speeding tickets and accident claims can increase Chrysler PT Cruiser insurance rates for different age groups. The data assumes a single male driver, comp and collision included, $500 deductibles, and no discounts are factored in.

Men versus women drivers and insurance cost

The chart below visualizes the comparison of Chrysler PT Cruiser car insurance rates for male and female drivers. Data assumes no driving violations, no at-fault accidents, full coverage, $1,000 deductibles, single marital status, and no discounts are factored in.

Rate difference between full and liability-only coverage

The example below visualizes the comparison of Chrysler PT Cruiser annual premium costs with full physical damage coverage compared to only buying liability only. The information is based on no claims or driving citations, $500 deductibles, drivers are not married, and no additional discounts are factored in.

Deciding between full coverage and liability only

There isn't a steadfast formula for excluding physical damage coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than 10% of replacement cost minus your deductible, then it's probably a good time to buy liability coverage only.

For example, let's assume your Chrysler PT Cruiser book value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most you would get paid by your company is $7,000 after you pay the deductible. If you are paying in excess of $700 annually to have full coverage, then you may need to consider dropping full coverage.

There are some scenarios where eliminating full coverage is not a good plan. If you haven't paid off your loan, you must maintain physical damage coverage in order to prevent your loan from defaulting. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not opt for liability only.

Why You Might Pay Increased Rates in Colorado Springs

Multiple criteria are part of the equation when premium rates are determined. Some factors are common sense like your driving record, although others are more obscure like your vehicle usage or your vehicle rating. Consumers need to have an understanding of some of the factors that go into determining your policy premiums. If you know what determines premiums, this allows you to make good choices that could help you find big savings.

Shown below are a partial list of the pieces utilized by car insurance companies to help set rates.

  • Credit score impacts premium rates - Having a good credit rating is a large factor in determining what you pay. People with high credit scores tend to be better drivers and file fewer claims than those with poor credit. So if your credit rating can use some improvement, you could save money insuring your Chrysler PT Cruiser by improving your credit score.
  • Qualify for multi-policy discounts - Most insurance companies afford better rates to customers that buy multiple policies. It's known as a multi-policy discount. Even though this discount sounds good, it's still a good idea to check prices from other companies to help ensure you have the lowest rates.
  • High performance vehicles cost more to insure - The type of car you are buying insurance for makes a substantial difference in determining your rates. Smaller low performance passenger vehicles generally receive the lowest base rates, but there are many factors that impact the final cost.

    The chart below uses these assumptions: married female driver age 50, full coverage with $100 deductibles, and no discounts or violations. The data compares Chrysler PT Cruiser car insurance rates compared to other models that have a range of risk factors.

  • Protect yourself with liability protection - Your insurance policy's liability coverage will protect you if ever you are responsible for personal injury or accident damage. Your policy's liability insurance provides legal defense coverage which can cost a lot. Liability is cheap compared to physical damage coverage, so do not cut corners here.

When do I need to get advice from an insurance agent?

Some consumers still like to talk to a local agent and that is a smart decision Most agents can point out coverage gaps and help you file claims. An additional benefit of comparing insurance prices online is that you can find the lowest rates and still have an agent to talk to. Buying insurance from local insurance agents is definitely important in Colorado Springs.

Colorado Springs insurance agentsTo make it easy to find an agent, after completing this simple form, the quote information is sent to local insurance agents in Colorado Springs who will gladly provide quotes for your business. You don't have to find an agent because prices are sent to you directly. If you need to get a price quote from a specific insurance company, feel free to jump over to their website and submit a quote form there.

If you would like to find a reliable agent, it's helpful to know the different types of agents that you can select. Auto insurance policy providers can either be exclusive agents or independent agents. Both types of agents can insure your vehicles, but it's important to point out the subtle differences because it can influence the kind of agent you use.

Independent Auto Insurance Agents (or Brokers)

Agents that choose to be independent can sell policies from many different companies and that gives them the ability to insure with an assortment of companies depending on which coverage is best. If you want to switch companies, they simply move the coverage in-house which makes it simple for you. If you are trying to find cheaper rates, it's recommended you get some free quotes from a few independent agents to maximize your price options.

Below is a short list of independent insurance agencies in Colorado Springs that may be able to provide competitive price quotes.

1880 Dublin Blvd # C - Colorado Springs, CO 80918 - (719) 528-1555 - View Map

4390 Academy Blvd N - Colorado Springs, CO 80918 - (719) 329-4441 - View Map

3485 Academy Blvd N Ste 101 - Colorado Springs, CO 80917 - (719) 599-9494 - View Map

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Exclusive Agents

These agents can usually just insure with one company and some examples include Allstate, State Farm and Farm Bureau. These agents are unable to provide rate quotes from other companies so they really need to provide good service. Exclusive insurance agents are trained well on sales techniques which helps them sell insurance even at higher premiums.

The following is a list of exclusive insurance agencies in Colorado Springs that can give you price quote information.

12229 Voyager Pkwy Ste 100 - Colorado Springs, CO 80921 - (719) 599-3600 - View Map

1965 Dominion Way Ste 120 - Colorado Springs, CO 80918 - (719) 630-7557 - View Map

3993 Academy Blvd N - Colorado Springs, CO 80917 - (719) 596-8800 - View Map

More insurance agents

Finding the right auto insurance agent requires you to look at more than just a cheap price quote. Any agent in Colorado Springs should be willing to answer these questions.

  • Is there any savings for paying the full premium?
  • How often do they review coverages?
  • What kind of financial rating does the company have?
  • Is vehicle mileage a factor when determining depreciation for repairs?
  • How long has the business existed?
  • Can you use your own choice of collision repair facility?
  • How will an accident affect your rates?

Upon getting good feedback and a low price estimate, most likely you have located an insurance agency that meets your needs to provide auto insurance coverage.

In Summary

You just read a lot of tips how to reduce Chrysler PT Cruiser insurance car insurance rates online in Colorado Springs. The key thing to remember is the more you quote Colorado Springs car insurance, the better chance you'll have of finding cheaper Colorado Springs car insurance quotes. Consumers could even find that the lowest car insurance rates come from some of the smallest insurance companies. Some small companies can often provide lower premium rates in certain areas than the large multi-state companies such as Progressive or GEICO.

While you're price shopping online, it's not a good idea to buy poor coverage just to save money. There have been many cases where an insured dropped liability limits or collision coverage and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy a smart amount of coverage at a price you can afford, but do not skimp to save money.

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