Best Insurance for a Chrysler PT Cruiser in Louisville

Astonishing but true, the vast majority of consumers kept buying from the same company for more than four years, and approximately 38% of consumers have never taken the time to shop around. The average driver in Kentucky could cut their rates by up to 30% a year just by shopping around, but they just feel it’s too hard to do a rate comparison.

It takes a few minutes, but the best way to find lower priced car insurance rates in Louisville is to start doing an annual price comparison from insurance carriers in Kentucky.

1. Learn about individual coverages and the things you can change to lower rates. Many risk factors that result in higher prices such as at-fault accidents, speeding tickets, and poor credit can be remedied by paying attention to minor details.
2. Compare prices from direct carriers, independent agents, and exclusive agents. Exclusive and direct companies can provide rates from one company like GEICO and State Farm, while independent agents can give you price quotes for a wide range of insurance providers.
3. Compare the new rates to your current policy premium and determine if there is any savings. If you can save money and decide to switch, ensure coverage does not lapse between policies.
4. Provide notification to your current company of your intention to cancel the current policy and submit any necessary down payment along with the completed application to your new carrier. Immediately upon receiving it, put the new certificate of insurance in an easily accessible location.

One bit of advice is that you use the same physical damage deductibles and liability limits on each quote and and to get price quotes from as many companies as you can. Doing this helps ensure a fair rate comparison and many rates to choose from.

If you already have coverage, you will definitely be able to reduce the price you pay using the ideas presented in this article. Buying the cheapest auto insurance in Louisville is actually not that difficult if you follow our advice. But Kentucky vehicle owners must comprehend the way companies determine what you pay and take advantage of how the system works.

Low Cost auto insurance in Louisville, KY

The providers in the list below are ready to provide price comparisons in Louisville, KY. If you want the best car insurance in Kentucky, we suggest you visit several of them to get the best price comparison.

Statistics and details

The rate information below outlines a range of insurance rates for Chrysler PT Cruiser models. Learning as much as possible about how auto insurance policy rates are calculated is important for making smart choices when selecting a policy.

Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Kentucky minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Estimates do not factor in vehicle garaging location which can decrease or increase auto insurance rates greatly.

Where to set your deductibles

When shopping for auto insurance, a common question is how high or low should comp and collision deductibles be. The figures shown below determine the rate fluctuation when you choose different coverage deductibles. The first data table uses a $100 deductible for comp and collision and the second rate table uses a $1,000 deductible.

Price data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Kentucky minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Table data does not factor in garaging location in Louisville which can alter premium rates significantly.

Using the premium rates above, we can conclude that using a $100 deductible costs approximately $28 more each month or $336 every year than requesting the higher $1,000 deductible. Because you would pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to average more than 32 months between claim filings, you would probably be better off by selecting a higher deductible.

The example below demonstrates how choosing different deductibles and can change Chrysler PT Cruiser yearly insurance costs for different age categories. The data assumes a married female driver, full coverage, and no other discounts are factored in.

Learn How to Lower Your Insurance Prices

Many factors are used when quoting car insurance. Some are obvious like an MVR report, but other factors are not quite as obvious such as your marital status or your commute time. Smart consumers have a good feel for some of the factors that are used to determine your premiums. If you have some idea of what impacts premium levels, this enables informed choices that may reward you with cheaper rates.

Listed below are a few of the things that factor into your rate level.

• Experienced drivers are lower risk – Older, more experienced drivers are more responsible, are lower risk to insure, and tend to be get fewer driving tickets. Youthful drivers are proven to be less responsible behind the wheel so they pay higher insurance rates.

  The data below is based on a single driver, full coverage with $1000 deductibles, and no discounts or violations.

• Never let your insurance policy expire – Letting your insurance expire is a guaranteed way to bump up your insurance costs. Not only will you pay higher rates, being ticketed for driving with no insurance may result in fines or a revoked license. You may then have to file a SR-22 with the Kentucky motor vehicle department to get your license reinstated.
• Lower miles equals lower premium – The higher the mileage driven every year the higher your rates will be. Almost all companies charge rates based upon how you use the vehicle. Cars and trucks that do not get driven very much receive lower rates compared to those used for work or business. An incorrectly rated PT Cruiser may be wasting your money. Ask your agent if your insurance policy reflects the correct driver usage.
• Where you live is a factor – Having an address in smaller towns and rural areas of the country can save you money when trying to find low car insurance rates. People who live in big cities tend to have more aggressive driving styles and a longer drive to work. Fewer drivers and short commutes means a lower chance of having an accident and a lower car theft rate.

• Tickets mean higher premiums – Even a single speeding ticket can boost insurance rates by as much as thirty percent. Careful drivers pay lower auto insurance prices as compared to those with violations. Drivers unfortunate enough to have license-revoking citations such as DUI or willful reckless driving are required to prove financial responsibility with their state in order to continue driving.

  The information below highlights how traffic violations and at-fault collisions can drive up Chrysler PT Cruiser car insurance costs for different age groups of insureds. The price estimates are based on a single male driver, full coverage, $500 deductibles, and no discounts are applied.

• Cars with good safety ratings cost less to insure – Safer cars can get you lower premiums. Vehicles built for safety help reduce the chance of injuries in an accident and lower rates of occupant injuries translates into fewer and smaller insurance claims which can mean better rates for you. If the Chrysler PT Cruiser earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
• Married drivers get better premiums – Being married can actually save you money when buying insurance. Having a significant other means you’re more responsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
• Raise comp and collision deductibles and save – Insurance for physical damage to your car, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your Chrysler. Examples of covered claims are collision with another vehicle, damage caused by hail, and rolling your vehicle. The deductibles define how much you are required to spend out-of-pocket in the event of a claim. The more you choose to pay out-of-pocket, the lower your rates will be.

You may qualify for discounts for Chrysler PT Cruiser insurance in Louisville

Car insurance is not an enjoyable expense, but you might be missing out on some discounts that can dramatically reduce your bill. Most are applied when you get a quote, but some discounts are required to be manually applied before being credited.

• Driver’s Education for Students – It’s a good idea to have your young drivers enroll in driver’s education if it’s offered in school.
• Pay Early and Save – By paying your policy upfront as opposed to paying monthly you could save 5% or more.
• Theft Prevention System – Vehicles that have factory anti-theft systems help deter theft and will qualify for a discount on a Louisville car insurance quote.
• Drive Safe and Save – Drivers who don’t get into accidents can save up to 40% or more on their Louisville car insurance quote than drivers with accidents.
• Defensive Driving Course – Taking a safe driver class can save you 5% or more if your company offers it.
• Discount for Good Grades – Being a good student can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
• Multiple Policy Discount – When you have multiple policies with the same company you will save up to 20% off your total PT Cruiser insurance premium.
• Multiple Cars – Having multiple vehicles with the same car insurance company can get a discount for every vehicle.
• Early Signing – Some larger companies give discounts for renewing your policy prior to the expiration date on your current PT Cruiser insurance policy. Ten percent is about the average savings.
• Seat Belts Save – Drivers who require all occupants to use a seat belt can save up to 10 percent (depending on the company) off the personal injury premium cost.

Policy discounts save money, but some of the credits will not apply to your bottom line cost. Most only reduce specific coverage prices like liability and collision coverage. Despite the appearance that you could get a free car insurance policy, it doesn’t quite work that way.

The information below compares Chrysler PT Cruiser car insurance costs with and without discounts being applied to the rates. The premiums are based on a female driver, no accidents or driving violations, Kentucky state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, homeowner, multi-car, and claim-free discounts applied.

To find companies that offer many of these discounts in Kentucky, click here.

What if I want to buy from local Louisville insurance agencies?

Some consumers would prefer to get advice from a local agent and that is recommended in a lot of cases A good thing about getting free rate quotes online is that drivers can save money and get the lowest rates and still buy from a local agent.

To make it easy to find an agent, after completing this simple form, your insurance data is submitted to local insurance agents who want to provide quotes for your insurance coverage. There is no reason to contact an agency because quoted prices will be sent to you instantly. You can get cheaper insurance rates AND a local agent. If you need to get a rate quote from a specific insurance company, don’t hesitate to search and find their rate quote page and submit a quote form there.

Choosing the best provider requires you to look at more than just a low price. These are some valid questions you should ask.

• Is there a 24/7 contact number?
• Are they in the agency full-time?
• How long has their agency been open in Louisville?
• Do the agents have professional certifications like CPCU or CIC?
• Which companies can they place coverage with?
• How many years of experience in personal auto insurance do they have?
• How is replacement cost determined on your vehicle?

Shown below are Louisville insurers willing to provide price quotes for Chrysler PT Cruiser insurance in Louisville.

More Louisville agents

If you receive answers to your satisfaction to all your questions and cheaper PT Cruiser insurance quotes, chances are good that you have found an insurance company that is reputable and can properly insure your vehicles.

Persistent drivers can save

We just presented a lot of ways to reduce Chrysler PT Cruiser insurance prices online in Louisville. The key concept to understand is the more rate quotes you have, the better likelihood of getting inexpensive Louisville car insurance quotes. You may even be surprised to find that the lowest prices come from a lesser-known regional company. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Progressive and GEICO.

The cheapest Chrysler PT Cruiser insurance in Louisville is available on the web as well as from independent agents in Louisville, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies do not provide online rate quotes and most of the time these smaller providers sell through independent insurance agents.

When searching for cheaper Louisville car insurance quotes, it’s very important that you do not buy less coverage just to save a little money. There are many occasions where an insured cut liability limits or collision coverage only to find out that the small savings ended up costing them much more. Your focus should be to buy enough coverage for the lowest cost.

More tips and info about insurance is available in these articles:

• Red Light Cameras (State Farm)
• How Much is Louisville Car Insurance for Good Students? (FAQ)
• What Auto Insurance is Cheapest in Louisville, Kentucky? (FAQ)
• How Much are Car Insurance Quotes for a Ford Fusion in Louisville? (FAQ)
• Who Has the Cheapest Louisville Car Insurance Quotes for Drivers with a DUI? (FAQ)
• Auto Insurance FAQ (Farmers Insurance)
• Insurance losses by make and model (Insurance Institute for Highway Safety)
• Eight Auto Insurance Myths (Insurance Information Institute)
• Auto Theft Statistics (Insurance Information Institute)