Affordable Insurance for a Chrysler PT Cruiser in Seattle

Insurance for Chrysler PT CruiserAre you intimidated by the wide range of insurance providers available to you? You’re not alone. You have such a large number of options that it is a real difficult job to lower your insurance rates for Chrysler PT Cruiser insurance in Seattle. Seattle is an excellent city in which to live, but expensive insurance premiums can make it very difficult to buy proper levels of coverage.

Sadly, over 70% of drivers renewed their policy with the same company for a minimum of four years, and practically 40% of insurance customers have never compared quotes from other companies. Drivers in Washington could save nearly 40% every year by just shopping around, but they just assume it takes a lot of time to go online and compare rates.

Get cheaper Chrysler PT Cruiser insurance in Seattle with discounts

Car insurance companies do not list every discount very well, so below is a list a few of the more common and the more hidden credits available to you.

Keep in mind that most discount credits are not given to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck. Any qualifying discounts will cut the cost of coverage.

Car insurance companies that may include these discounts are:

When getting free Seattle auto insurance quotes, it’s a good idea to every insurance company to apply every possible discount. Some discounts may not be offered everywhere. To see a list of insurers that provide some of the discounts listed above in Seattle, click this link.

The most recommended method to compare insurance rates from multiple companies utilizes the fact almost all companies have advanced systems to give free rates quotes. All consumers are required to do is spend a couple of minutes providing details such as if you have a valid license, your credit rating estimate, whether you are single or married, and how much you drive. Those rating factors is then sent to multiple different insurance companies and you receive quotes immediately.

To find lower lower-cost Chrysler PT Cruiser insurance rates now, click here and see if a lower rate is available in Seattle.

The providers in the list below can provide quotes in Seattle, WA. If more than one company is shown, we suggest you compare several of them to get the best price comparison.

Chrysler PT Cruiser Insurance Rates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $96 $168 $240 $14 $72 $590 $49
PT Cruiser 2WD 4-Dr $118 $194 $256 $16 $76 $660 $55
Get Your Own Custom Quote Go

Cost estimates assume married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Rate quotes do not factor in specific zip code location which can impact rates substantially.

Car insurance rates by gender and age

The information below shows the difference between Chrysler PT Cruiser insurance costs for male and female drivers. Data assumes no driving violations, no at-fault accidents, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are factored in.

How accidents and violations affect rates

The diagram below demonstrates how speeding tickets and fender-benders impact Chrysler PT Cruiser car insurance costs for different insured age categories. The rates are based on a married female driver, comprehensive and collision coverage, $500 deductibles, and no discounts are applied to the premium.

Buying from insurance agencies

A small number of people would rather go talk to an agent and that is recommended in a lot of cases One of the best bonuses of comparing car insurance online is that drivers can save money and get the lowest rates and still have an agent to talk to. And supporting local agencies is especially important in Seattle.

By using this form (opens in new window), your insurance coverage information gets sent to companies in Seattle that can give you free Seattle auto insurance quotes for your coverage. It simplifies rate comparisons since you won’t have to leave your computer because prices are sent directly to you. You can find the lowest rates and an insurance agent to talk to. If you have a need to quote rates for a specific company, feel free to go to their quote page and complete a quote there.

If you would like to find a reliable agent, it’s important to understand the different types of agents and how they can quote your rates. Seattle agents are either independent agents or exclusive agents.

Independent Car Insurance Agents (or Brokers)

Independent agencies can sell policies from many different companies so they can quote policies through many different car insurance companies depending on which coverage is best. If your agent finds better pricing, the agent simply finds a different carrier which is easy for the insured. If you need cheaper car insurance rates, you will definitely want to get some free quotes from at least one independent agent to have the best price comparison. Most can insure with companies that do not advertise much which may have better rates.

Below is a short list of independent insurance agencies in Seattle that may be able to provide free rate quotes.

More insurance agents

Exclusive Insurance Agencies

These agents can only provide one company’s prices like State Farm, AAA, and Liberty Mutual. Exclusive agents are unable to compare other company’s rates so you need to shop around if the rates are high. Exclusive agents receive extensive training on their products and sales techniques and that can be a competitive advantage. A lot of people use the same exclusive agent mainly due to loyalty to the company rather than low rates.

Listed below are Seattle exclusive insurance agencies that can give you price quote information.

More insurance agents

Picking the best auto insurance agent is decision based upon more than just a cheap price quote. Any agent in Seattle should be forthright in answering these questions:

Here’s why insurance is not optional

Even though it can be expensive, buying insurance serves a purpose in several ways.

The benefits of insuring your car greatly outweigh the cost, especially for larger claims. The average driver in America is wasting up to $850 per year so compare rate quotes every year to ensure rates are inline.

Insurance coverage breakdown

Having a good grasp of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for bills for X-ray expenses, prosthetic devices, rehabilitation expenses and surgery. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive insurance

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from flooding, hail damage and hitting a bird. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Auto liability insurance

This will cover injuries or damage you cause to people or other property by causing an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/10 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $10,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount without having the split limit caps.

Liability insurance covers claims such as pain and suffering, medical expenses, court costs and emergency aid. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford. Washington state law requires minimum liability limits of 25/50/10 but drivers should carry more coverage.

Coverage for collisions

Collision coverage covers damage to your PT Cruiser caused by collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, rolling your car, sideswiping another vehicle, driving through your garage door and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also raise the deductible on your PT Cruiser to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Chrysler PT Cruiser.

Due to the fact that many Washington drivers carry very low liability coverage limits (which is 25/50/10), their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Frequent quotes can save

You just learned many ideas to find cheaper Chrysler PT Cruiser insurance in Seattle. The most important thing to understand is the more price quotes you have, the higher your chance of finding cheaper Seattle auto insurance quotes. You may even be surprised to find that the most savings is with an unexpected company.

More affordable insurance in Seattle can be purchased from both online companies and also from your neighborhood Seattle agents, and you should be comparing both to get a complete price analysis. Some insurance providers may not offer rate quotes online and usually these small, regional companies work with independent insurance agents.

Insureds who switch companies do it for any number of reasons including poor customer service, denial of a claim, extreme rates for teen drivers and high prices. It doesn’t matter what your reason, finding the right insurance provider is less work than it seems.

More detailed insurance information can be read at these sites: