How to Compare Mesa Chrysler PT Cruiser Insurance

Want more competitive Chrysler PT Cruiser insurance in Mesa? Are you drained from scraping nickels together to keep your car insured? You’re in the same situation as many other Arizona consumers.

Unthinkable but true, the majority of drivers have been with the same company for over three years, and nearly half have never even shopped around for lower-cost coverage. Many consumers in Mesa could save approximately 50% a year just by getting comparison quotes, but they just don’t understand how easy it is to find lower-cost auto insurance rates.

Many insurers vie for your hard-earned dollar, and because of this it can be hard to compare insurance companies to get the lowest rate on Chrysler PT Cruiser insurance in Mesa.

Get Lower-cost Insurance Premiums by Understanding These Factors

Many different elements are considered when premium rates are determined. Some are obvious like a motor vehicle report, although some other factors are not as apparent like where you live or how safe your car is. When buying car insurance it’s important to understand some of the things that play a part in calculating the level of your policy premiums. When you know what positively or negatively controls the rates you pay, this helps enable you to make changes that can help you get lower car insurance prices.

The itemized list below are a few of the things used by insurance companies to determine rates.

• Credit rating impact car insurance rates – An insured’s credit history factor in calculating your car insurance rates. Insureds with high credit scores tend to be less risk to insure as compared to drivers with lower credit ratings. So if your credit could use some work, you may save money insuring your Chrysler PT Cruiser if you clean up your credit.
• More stress means more cost – Did you know your occupation can influence how much you pay for car insurance? Occupations such as judges, air traffic controllers, and stock brokers usually pay higher premiums than the average policyholder in part from high stress levels and long work days. On the flip side, jobs like farmers, students and performers have lower than average premiums.
• Liability coverage limits should be high – Liability insurance kicks in in the event that a court rules you are at fault for damages from an accident. It provides legal defense coverage to attempt to prove you were not liable. This coverage is very inexpensive compared to other policy coverages, so do not skimp.
• Where you call home – Living in less populated areas of the country has it’s advantages when insuring your vehicles. Drivers who live in large cities have more aggressive driving styles and longer commute times. Fewer drivers on the road means a lower chance of having an accident as well as less vandalism and auto theft.
• Prices increase with policy add-ons – There are a ton of additional extra coverages that can add up if you don’t pay attention. Add-on coverages like rental car coverage, high-cost glass coverage, and extra life insurance coverage may be costing you every month. The coverages may be enticing when deciding what coverages you need, but now you might not need them so consider taking them off your policy.
• Annual mileage and car insurance prices – The more you drive your Chrysler each year the more you’ll pay to insure your vehicle. A lot of companies rate vehicles based on how the vehicle is used. Cars and trucks not used for work or commuting receive better premium rates than vehicles that have high annual mileage. An incorrectly rated PT Cruiser can cost quite a bit. It’s a smart idea to ensure your policy is rated on the correct driver usage.
• Alarms and GPS tracking lower rates – Buying a car that has an advanced theft prevention system can earn a premium discount. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.

Coverage information

The premium table shown next outlines detailed analysis of policy rates for Chrysler PT Cruiser models. Having a good grasp of how auto insurance premiums are figured is important to be able to make smart choices when buying a car insurance policy.

Data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, multi-vehicle, and safe-driver. Information does not factor in Mesa location which can lower or raise rates greatly.

Higher deductibles lower rates

When buying car insurance, a common question is the level to set your comp and collision deductibles. The following insurance rates illustrate the difference in cost between low and high physical damage deductibles. The first set of rates uses a $100 deductible and the second data table uses a $1,000 deductible.

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Arizona minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-vehicle, and multi-policy. Premium costs do not factor in Mesa location which can alter premiums considerably.

We can derive from the above data that using a $100 deductible will cost you about $25 more each month or $300 annually than buying the higher $1,000 deductible. Due to the fact that you would have to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at a minimum 36 months between claim filings, you would probably come out ahead by going with a higher deductible.

One big caveat is that a higher deductible level means you will have to pay more of your own money when you have a comprehensive or collision claim. It will be required that you have enough money stashed away in the event you have to pay more for the deductible.

The example below illustrates how your choice of deductibles and can change Chrysler PT Cruiser insurance rates for each different age group. The premiums are based on a single female driver, comp and collision included, and no discounts are factored in.

Rate increases following a ticket or accident

The chart below highlights how speeding tickets and at-fault accidents increase Chrysler PT Cruiser insurance premiums for each different age category. The data assumes a married male driver, full physical damage coverage, $1,000 deductibles, and no additional discounts are factored in.

Rate comparison of full coverage and liability-only

The illustration below illustrates the difference between Chrysler PT Cruiser premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes a clean driving record, no at-fault accidents, $100 deductibles, single marital status, and no discounts are applied to the premium.

Should you be buying full coverage?

There is no set rule of when to eliminate full coverage on your policy, but there is a guideline you can use. If the yearly cost of comp and collision coverage is 10% or more of the settlement you would receive from your company, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Chrysler PT Cruiser claim settlement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most your company would pay you is $4,000 after the deductible is paid. If you are currently paying more than $400 annually for physical damage coverage, then it could be time to drop full coverage.

There are some situations where eliminating full coverage is not advised. If you haven’t satisfied your loan, you have to carry full coverage as part of the loan requirements. Also, if you don’t have enough money to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage in place.

Get cheaper rates by receiving discounts

Some insurance providers do not list every available discount in an easy-to-find place, so we took the time to find some of the best known and also the lesser-known savings tricks you should be using when you buy Mesa car insurance online. If they aren’t giving you every credit you deserve, you are paying more than you should be.

• Discounts for Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks on a single policy can get a discount on all vehicles.
• Anti-theft Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and that can save you a little bit as well.
• Paperwork-free – A handful of larger companies will discount your bill up to fifty bucks get Mesa car insurance on your computer.
• ABS Brakes – Vehicles with ABS braking systems or traction control are much safer to drive and earn discounts up to 10%.
• Senior Citizen Rates – Seniors can possibly qualify for a small discount on rates.
• Low Mileage – Keeping the miles down on your Chrysler could earn lower prices on the low mileage vehicles.

Please keep in mind that many deductions do not apply to your bottom line cost. Most cut specific coverage prices like comprehensive or collision. Despite the appearance that you would end up receiving a 100% discount, that’s just not realistic.

The illustration below visualizes the comparison of Chrysler PT Cruiser car insurance costs with and without discounts applied to the premium. The prices are based on a male driver, no accidents, no driving violations, Arizona state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, multi-car, safe-driver, claim-free, and marriage discounts applied.

To view companies with discount rates in Mesa, click this link.

Mesa auto insurance companies

Ending up with a high-quality auto insurance provider is difficult considering how many companies there are in Arizona. The company rank data listed below may help you select which car insurance providers you want to consider to insure your vehicles.

Top 10 Mesa Car Insurance Companies Ranked by Value

1. USAA
2. American Family
3. The Hartford
4. Titan Insurance
5. The General
6. Mercury Insurance
7. AAA Insurance
8. State Farm
9. Nationwide
10. Safeco

More quotes mean more auto insurance savings

As you go through the steps to switch your coverage, make sure you don’t reduce needed coverages to save money. There are a lot of situations where an insured dropped full coverage and discovered at claim time that it was a big error on their part. Your aim should be to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

Consumers change insurance companies for a number of reasons such as policy non-renewal, lack of trust in their agent, high prices or denial of a claim. It doesn’t matter why you want to switch finding a new company is pretty easy and you might even save some money in the process.

Cost effective Chrysler PT Cruiser insurance can be found both online and from local agencies, and you need to price shop both to get a complete price analysis. There are still a few companies who may not have rate quotes online and these small, regional companies provide coverage only through local independent agencies.

Steps to buying discount Chrysler PT Cruiser insurance in Mesa

Really, the only way to get low-cost Chrysler PT Cruiser insurance in Mesa is to begin comparing prices regularly from companies in Arizona.

• Step 1: Take a few minutes and learn about car insurance and the changes you can make to prevent high rates. Many factors that cause rate increases like tickets, at-fault accidents, and a not-so-good credit rating can be controlled by being financially responsible and driving safely.
• Step 2: Request rate estimates from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can give quotes from one company like GEICO or Farmers Insurance, while agents who are independent can provide rate quotes for a wide range of companies.
• Step 3: Compare the new rate quotes to your existing policy and determine if cheaper PT Cruiser coverage is available. If you find a better price and make a switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
• Step 4: Give proper notification to your current agent or company to cancel your current coverage and submit a down payment along with a completed application to the newly selected company. Make sure you safely store the proof of insurance paperwork in an accessible location in your vehicle.

A tip to remember is that you’ll want to make sure you compare identical coverage information on each price quote and and to get rate quotes from as many different companies as possible. Doing this enables a level playing field and many rates to choose from.

For more information, feel free to visit the articles below:

• Side airbags reduce rollover fatalities (Insurance Institute for Highway Safety)
• What Insurance is Cheapest for a Nissan Altima in Mesa? (FAQ)
• Who Has Cheap Car Insurance Quotes for a Nissan Rogue in Mesa? (FAQ)
• Who Has Cheap Mesa Auto Insurance Quotes for a Subaru Outback? (FAQ)
• Who Has Affordable Mesa Auto Insurance for a Learners Permit? (FAQ)
• Who Has Affordable Auto Insurance Quotes for Good Students in Mesa? (FAQ)
• Auto Crash Statistics (Insurance Information Institute)
• Medical Payments Coverage (Liberty Mutual)