Auto Insurance Quotes for a Chrysler PT Cruiser in Greensboro

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Amazingly, a recent NerdWallet.com study showed that most drivers in North Carolina renewed their policy with the same company for over three years, and virtually 40% of consumers have never quoted auto insurance rates at all. American insurance shoppers could save roughly $859 every year just by shopping around, but they just don't understand how easy it is to compare other rate quotes.

Insurance rates Chrysler PT Cruiser in GreensboroTruthfully, the best way to get discount auto insurance rates in Greensboro is to annually compare prices from providers that insure vehicles in North Carolina. You can compare prices by following these guidelines.

  • Step 1: Try to comprehend individual coverages and the things you can change to prevent high rates. Many rating factors that cause high rates like high-risk driving behaviors and a poor credit rating can be remedied by making small lifestyle or driving habit changes.
  • Step 2: Compare price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can only quote rates from a single company like Progressive and State Farm, while independent agents can quote prices for a wide range of insurance providers. View a list of agents
  • Step 3: Compare the new rates to your existing coverage and see if there is a cheaper rate in Greensboro. If you find a lower rate and change companies, make sure there is no lapse in coverage.
  • Step 4: Provide notification to your current agent or company to cancel the current policy and submit the application along with any required down payment to your new carrier. Once the paperwork is finalized, put the proof of insurance certificate in an accessible location in your vehicle.

The key thing to know about shopping around is that you'll want to make sure you compare identical coverages on each price quote and and to look at as many different insurance providers as possible. This provides the most accurate price comparison and plenty of rates choose from.

If you currently have auto insurance, you stand a good chance to be able to find the best rates using the techniques presented in this article. These tips will help you learn the best ways to compare prices and some money-saving tips. But North Carolina vehicle owners must understand how the larger insurance companies market on the web because it can help you find the best coverage.

Most of the larger companies allow you to get prices for coverage online. Comparing prices online for Chrysler PT Cruiser insurance in Greensboro is very simple as you simply enter your required coverages into the quote form. When the form is submitted, the system will obtain your credit score and driving record and generates pricing information.

Being able to quote online for Chrysler PT Cruiser insurance in Greensboro makes it simple to compare prices and it's also necessary to compare as many rates as possible if you want to get a lower rate.

To quickly use this form to compare rates, consider comparing rates from the companies shown below. If you have a policy now, it's recommended you enter the insurance coverages exactly as shown on your declarations page. This makes sure you will have a fair comparison using the exact same coverages.

The companies in the list below are ready to provide price quotes in North Carolina. To find cheaper auto insurance in NC, it's highly recommended you visit several of them to find the cheapest auto insurance rates.

Insurance is an important decision

Despite the high cost, paying for insurance serves a purpose in several ways.

  • Just about all states have minimum liability requirements which means it is punishable by state law to not carry specific limits of liability insurance if you want to drive legally. In North Carolina these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you have a lien on your Chrysler, most lenders will make it a condition of the loan that you buy insurance to guarantee their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Chrysler at a much higher rate and require you to fork over for the much more expensive policy.
  • Insurance protects both your Chrysler PT Cruiser and your personal assets. Insurance will also pay for medical bills that are the result of an accident. Liability insurance also pays expenses related to your legal defense if you are sued as the result of your driving. If you have damage to your Chrysler as the result of the weather or an accident, comprehensive and collision coverage will pay to repair the damage.

The benefits of insuring your PT Cruiser greatly outweigh the cost, especially when you need to use it. Unknowingly, the average driver is currently overpaying as much as $869 every year so compare quotes from several companies each time the policy renews to help ensure money is not being wasted.

Rates and information analytics

The rate information displayed below showcases a range of coverage costs for Chrysler PT Cruiser models. Learning a little about how car insurance prices are formulated is important for drivers to make informed purchases.

Chrysler PT Cruiser Insurance Rates in Greensboro, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $192 $266 $278 $16 $84 $836 $70
PT Cruiser 2WD 4-Dr $192 $266 $278 $16 $84 $836 $70
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Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Prices do not factor in vehicle location which can lower or raise premiums significantly.

Choosing deductibles

A question often asked by Greensboro drivers is where to set your physical damage deductibles. The premium rates below can help you understand the difference in cost between low and high physical damage coverage deductibles. The first pricing table uses a $100 deductible for comprehensive and collision coverage and the second price chart uses a $500 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 $186 $318 $212 $12 $64 $817 $68
PT Cruiser 2WD 4-Dr $186 $318 $212 $12 $64 $817 $68
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Chrysler PT Cruiser insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $136 $214 $212 $12 $64 $638 $53
PT Cruiser 2WD 4-Dr $136 $214 $212 $12 $64 $638 $53
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Price estimates do not factor in vehicle garaging location which can alter rates significantly.

We can estimate from the data above that using a $100 deductible will cost you about $15 more each month or $180 annually than choosing the higher $500 deductible. Due to the fact that you would have to pay $400 more to file a claim with a $500 deductible as compared to a $100 deductible, if you tend to average at least 27 months between claim filings, you would save more money if you opt for a higher deductible. The table below illustrates a better example of how you can do this calculation yourself.

Average monthly premium for $100 deductibles: $68
Average monthly premium for $500 deductibles (subtract): - $53
Monthly savings from raising deductible: $15
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $15
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

The example below shows how different deductible levels and can change Chrysler PT Cruiser insurance costs for each age group. The premiums are based on a married female driver, comp and collision included, and no other discounts are factored in.

Comparison of full coverage and liability-only policies

The example below compares Chrysler PT Cruiser car insurance costs with full coverage and liability only. The premium estimates are based on no violations or claims, $100 deductibles, drivers are not married, and no other discounts are factored in.

Are you wasting money paying for full coverage?

There is no clear-cut formula of when to eliminate physical damage coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is 10% or more of the replacement cost of your vehicle minus the policy deductible, then it may be the right time to buy liability only.

For example, let's assume your Chrysler PT Cruiser settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $4,000 after paying your policy deductible. If it's costing in excess of $400 a year for comprehensive and collision coverage, then you might want to think about dropping full coverage.

There are a few situations where eliminating full coverage is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should keep full coverage on your policy.

Discounts for cheap auto insurance rates

Car insurance companies don't always advertise every policy discount in a way that's easy to find, so the following is a list of a few of the more common and also the lesser-known credits that may apply to you. If you do not double check each discount you deserve, you could be saving more on your auto insurance.Cheaper auto insurance with discounts

  • Include Life Insurance and Save - Select auto insurance companies reward you with a discounted premium rate on car insurance if you buy some life insurance too.
  • Lower Rates for Military - Being deployed with a military unit could mean lower rates.
  • Use Seat Belts - Requiring all passengers to buckle their seat belts can save a little off the medical payments premium.
  • Full Payment Discount - If you pay your entire premium ahead of time rather than paying monthly you may reduce your total bill.
  • Responsible Driver Discount - Drivers who don't get into accidents may receive a discount up to 45% compared to accident prone drivers.
  • Discount for New Cars - Adding a new car to your policy can save you some money because newer models have to meet stringent safety requirements.
  • Discounts for Federal Employees - Being employed by or retired from a federal job could qualify for a slight premium decrease with some auto insurance companies.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, it doesn't quite work that way.

The chart below shows the difference between Chrysler PT Cruiser auto insurance rates with and without discounts applied. The data assumes a male driver, no accidents, no driving violations, North Carolina state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, multi-car, marriage, claim-free, safe-driver, and homeowner discounts applied.

For a list of providers offering auto insurance discounts in North Carolina, follow this link.