Best Insurance for a Chrysler PT Cruiser in Louisville

Insurance rates Chrysler PT Cruiser in LouisvilleAstonishing 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.

Chrysler PT Cruiser Insurance Rates in Louisville, KY
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $238 $408 $284 $16 $84 $1,030 $86
PT Cruiser 2WD 4-Dr $238 $408 $284 $16 $84 $1,030 $86
Get Your Own Custom Quote Go

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.

Chrysler PT Cruiser insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $244 $418 $278 $16 $84 $1,065 $89
PT Cruiser 2WD 4-Dr $244 $418 $278 $16 $84 $1,065 $89
Get Your Own Custom Quote Go

Chrysler PT Cruiser insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $136 $220 $278 $16 $84 $734 $61
PT Cruiser 2WD 4-Dr $136 $220 $278 $16 $84 $734 $61
Get Your Own Custom Quote Go

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.

How to calculate when to raise deductibles

Average monthly premium for $100 deductibles: $89
Average monthly premium for $1,000 deductibles (subtract): – $61
Monthly savings from raising deductible: $28
Difference between deductibles ($1,000 – $100): $900
Divide difference by monthly savings: $900 / $28
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 32 months

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.

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.Discount car insurance

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.

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

Duanne Hawkins Cooper – State Farm Insurance Agent
2152 Glenworth AveLouisville, KY 40218(502) 458-0258View Map

10839 Bluegrass PkwyLouisville, KY 40299(502) 499-7575View Map

10226 Shelbyville RdLouisville, KY 40223(502) 245-8870View Map

7707 Bardstown RdLouisville, KY 40291(502) 231-7850View Map

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: