Affordable Insurance for a Chrysler PT Cruiser in Aurora

Amazingly, a recent NerdWallet.com study showed that over 70% of consumers have remained with the same auto insurance company for more than four years, and about 40% of consumers have never taken the time to shop around. Aurora drivers could save themselves about $610 a year, but most just don’t grasp how much money they would save if they moved their coverage to a different company.

Truthfully, the best way to find cheaper quotes for car insurance rates is to make a habit of comparing prices annually from insurers that insure vehicles in Aurora. Rate comparisons can be done by completing these steps.

• Step 1: Spend a few minutes and learn about how car insurance works and the things you can control to prevent high rates. Many factors that result in higher rates such as traffic citations, accidents, and an unfavorable credit rating can be controlled by improving your driving habits or financial responsibility.
• Step 2: Compare price quotes from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can give quotes from a single company like Progressive or Farmers Insurance, while independent agencies can quote prices for a wide range of insurance providers.
• Step 3: Compare the new rate quotes to your existing policy to see if cheaper PT Cruiser coverage is available. If you find a lower rate and switch companies, make sure there is no lapse between the expiration of your current policy and the new one.
• Step 4: Provide notification to your current agent or company to cancel the current policy and submit any necessary down payment along with the completed application to the new company. Once the paperwork is finalized, store the certificate verifying coverage in your vehicle.

The key thing to remember is to compare the same amount of coverage on each quote and and to look at as many companies as you can. Doing this enables a fair price comparison and the best price quote selection.

Get cheaper Chrysler PT Cruiser insurance in Aurora with discounts

Car insurance is neither fun to buy or cheap, but you can get discounts that can drop the cost substantially. Many of these discounts will be applied automatically at the time you complete a quote, but lesser-known reductions have to be manually applied in order for you to get them.

• Paperwork-free – Many companies will provide an incentive simply for signing on your computer.
• Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a break if you buy some life insurance too.
• Smart Student Discounts – Excelling in school could provide a savings of up to 20% or more. Most companies allow this discount up until you turn 25.
• Full Payment Discount – By paying your entire bill at once rather than paying monthly you could save up to 5%.
• Accident Free – Drivers who don’t have accidents pay much less compared to accident-prone drivers.
• Drive Less and Save – Driving less could earn slightly better rates than normal.
• Multiple Policy Discount – If you combine your auto and home policies and insure them both with the same insurance company they may give you a discount of approximately 10% to 15%.

Don’t be surprised that most discounts do not apply to your bottom line cost. Most cut individual premiums such as liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, that’s just not realistic. But all discounts should help reduce the amount you have to pay.

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

A list of companies and a selection of discounts can be found below.

• Travelers has savings for continuous insurance, multi-car, driver training, hybrid/electric vehicle, and good student.
• 21st Century may have discounts that include student driver, defensive driver, automatic seat belts, anti-lock brakes, 55 and older, and theft prevention.
• State Farm has discounts for passive restraint, Drive Safe & Save, defensive driving training, student away at school, safe vehicle, driver’s education, and multiple policy.
• GEICO may include discounts for air bags, membership and employees, military active duty, daytime running lights, and anti-lock brakes.
• SAFECO offers discounts for anti-lock brakes, bundle discounts, teen safe driver, safe driver, and teen safety rewards.
• AAA includes discounts for good driver, pay-in-full, multi-policy, good student, anti-theft, education and occupation, and AAA membership discount.

When comparing rates, check with all companies you are considering to apply every possible discount. Savings may not apply everywhere. If you would like to choose from a list of insurance companies who offer cheap Chrysler PT Cruiser insurance quotes in Aurora, click here.

Just keep in mind that obtaining a wide range of quotes will enable you to find a lower rate than you’re paying now. Some smaller insurers do not give Aurora PT Cruiser insurance quotes over the internet, so it’s important to compare price estimates from them, too.

The car insurance companies shown below can provide free quotes in Aurora, CO. If you want to find the best car insurance in Aurora, CO, we recommend you get price quotes from several of them to get a more complete price comparison.

Insurance rate breakdown

The coverage information shown below highlights estimates of prices for Chrysler PT Cruiser models. Having a better idea how policy premiums are formulated can help you make informed decisions when shopping around for a new policy.

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in garaging location in Aurora which can influence prices noticeably.

Policy deductible comparison

When buying car insurance, a common question is which deductibles should you choose. The rates shown below may help to illustrate the rate fluctuation when you buy lower versus higher deductibles. The first data set uses a $100 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Table data does not factor in specific zip code location which can increase or decrease insurance rates greatly.

Based on the above data, using a $100 deductible costs about $20 more each month or $240 a year than opting for the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 20 months between claims, you would come out ahead if you choose a higher deductible.

One thing to note is that increasing deductibles to save money results in having to pay to pay more out-of-pocket at claim time. That will require some savings in the bank in order to pay more for the deductible.

How careless driving impacts car insurance rates

The chart below shows how traffic citations and accidents can affect Chrysler PT Cruiser auto insurance costs for different insured age categories. The premiums are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are factored in.

Chrysler PT Cruiser full coverage rates compared to liability only

The diagram below visualizes the comparison of Chrysler PT Cruiser insurance costs when comparing full coverage to state minimum liability only. The information is based on no accidents or driving violations, $250 deductibles, single status, and no policy discounts are applied.

When to eliminate full coverage

There is no set guideline to drop full coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s pretend your Chrysler PT Cruiser book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after paying your policy deductible. If you are paying in excess of $800 a year to have full coverage, then you might consider buying liability only.

There are some situations where removing full coverage is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Five Tips to Get More Affordable Aurora Insurance Rates

The best way to find cheaper car insurance is to take a look at the factors that come into play when calculating your car insurance rates. When consumers understand what determines base rates, this helps enable you to make changes that will entitle you to cheaper rates. Lots of factors are used in the calculation when you quote your car insurance policy. Some are pretty understandable like your driving record, but some are more obscure like where you live or your financial responsibility.

The following are most of the major factors car insurance companies consider when setting your rate level.

• Is auto insurance cheaper for women or men? – Statistics have proven that females take fewer risks when driving. Now that doesn’t mean females are better at driving than males. Men and women cause auto accidents at a similar rate, but guys cause more damage and cost insurance companies more money. Not only that, but men also have more aggressive citations such as reckless driving. Young males have the highest risk to insure so it costs more to insure them.

  The diagram below shows the difference between Chrysler PT Cruiser premium costs for male and female drivers. The information is based on a clean driving record, no claims, comp and collision included, $250 deductibles, drivers are single, and no discounts are factored in.

• Certain occupations raise rates – Careers such as military generals, social workers, and stock brokers generally have the highest rates attributed to intense work situations and lots of time spent away from family. On the flip side, occupations such as professors, athletes and the unemployed pay the least.
• Cheaper rates by consolidating – The majority of car insurance companies will award a discount for people who carry more than one policy. It’s known as a multi-policy discount. Even if you’re getting this discount it’s in your best interest to compare other company rates to ensure the best deal.There is a good possibility that you can find lower rates by insuring with multiple companies.
• Premiums are affected by your credit rating – An insured’s credit score can be a huge factor in your rate calculation. People that have high credit scores tend to be less risk to insure than drivers who have lower credit ratings. If your credit can use some improvement, you could be paying less to insure your Chrysler PT Cruiser if you clean up your credit.
• Save by driving less – The more miles you rack up on your Chrysler each year the more you will pay for car insurance. The majority of insurers charge to insure your cars based on how the vehicle is used. Vehicles used primarily for pleasure use receive better premium rates than cars that get driven a lot. Make sure your vehicle rating shows the correct driver usage. An improperly rated PT Cruiser is just wasting money.

What insurance coverages do I need?

Keep in mind that when it comes to choosing your policy, there is no “perfect” insurance plan. Your financial needs are unique so your insurance needs to address that. For instance, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

• How high should my medical payments coverage be?
• Does my liability insurance cover pulling a trailer or camper?
• Can I afford to pay high deductible claims out of pocket?
• Is my Chrysler PT Cruiser covered for smoke damage?
• Can I make deliveries for my home business?
• How many claims can I have before being canceled?
• Do I need an umbrella policy?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Local Aurora car insurance agents and insurance

Some people would rather sit down with an agent and often times that is recommended One of the great benefits of comparing insurance online is that you can find cheap insurance quotes and also buy local. And buying from local agencies is definitely important in Aurora.

By using this quick form, your coverage information is emailed to agents in your area who will give you quotes for your coverage. There is no need to find an agent because prices are sent to your email. It’s the lowest rates without requiring a lot of work. If you wish to get a rate quote from a specific insurance provider, feel free to visit that company’s website to submit a rate quote request.

If you need to find a good Aurora insurance agent, it helps to know the two types of agencies and how they can write your policy. Insurance agents are either exclusive or independent agents depending on their company appointments.

Independent Insurance Agencies or Brokers

Independent agents can quote rates with many companies so as a result can place your coverage with an assortment of companies and get the cheapest rates. If prices rise, they can switch companies in-house and you won’t have to switch agencies.

When comparing rate quotes, you should always get quotes from a couple of independent agencies in order to compare the most rates.

Below are independent agents in Aurora who may provide free price quotes.

More Aurora agents

Exclusive Insurance Agencies

Exclusive agents have only one company to place business with such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to shop your coverage around so they are skilled at selling on more than just price. Exclusive agents are highly trained on their company’s products and that allows them to sell at a higher price point.

Shown below is a list of exclusive agencies in Aurora who can help you get price quote information.

More Aurora agents

Choosing the best car insurance agent shouldn’t rely on just a cheap price. Here are some questions you might want to ask.

• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Is there a local claims center in Aurora?
• Are you getting all the discounts the company offers?
• Do they offer claims assistance after hours?
• Do they offer rental car reimbursement?

Upon getting acceptable answers to these questions as well as an affordable premium quote, you have narrowed it down to an auto insurance agent that meets the criteria to service your policy.

Three reasons to insure your PT Cruiser

Despite the fact that auto insurance is not cheap in Aurora, auto insurance may be required and benefits you in several ways.

• Most states have mandatory liability insurance requirements which means you are required to carry a minimum amount of liability in order to drive the car. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
• If your Chrysler has a loan, almost all lenders will require that you carry insurance to guarantee payment of the loan. If you cancel or allow the policy to lapse, the lender may have to buy a policy to insure your Chrysler at a much higher rate and require you to pay the higher premium.
• Auto insurance preserves not only your vehicle but also your financial assets. It will also pay for medical transport and hospital expenses for you, your passengers, and anyone else injured in an accident. Liability insurance also covers all legal expenses up to the policy limit if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.

The benefits of insuring your car more than offset the price you pay, specifically if you ever have a liability claim. As of last year, the average driver in Colorado is wasting up to $700 annually so compare quotes from several companies each time the policy renews to ensure rates are inline.

Cover all your bases

Throughout this article, we presented a lot of ways to find affordable Chrysler PT Cruiser insurance in Aurora. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even find the biggest savings come from a lesser-known regional company. Some small companies may only write in your state and offer lower prices than the large multi-state companies such as State Farm and Allstate.

Cheap Chrysler PT Cruiser insurance in Aurora can be sourced both online in addition to many Aurora insurance agents, so you should compare both in order to have the best price selection to choose from. A few companies may not provide the ability to get quotes online and many times these smaller companies provide coverage only through independent agents.

Other articles

• Insurance Losses by Make and Model (iihs.org)
• Who Has Affordable Aurora Auto Insurance for Electric Cars? (FAQ)
• Self-driving cars won’t replace humans (Insurance Institute for Highway Safety)
• How to Avoid Buying a Flooded Car (Insurance Information Institute)
• Dangers of fake or stolen airbags (Insurance Institute for Highway Safety)