Compare Chrysler PT Cruiser Insurance Rates in Durham

If your goal is the lowest price, then the best way to get the cheapest Chrysler PT Cruiser insurance in Durham is to compare prices at least once a year from insurance carriers in North Carolina. You can shop around by following these guidelines.

Step 1: Read and learn about how car insurance works and the steps you can take to keep rates down. Many risk factors that result in higher prices such as inattentive driving and an imperfect credit score can be controlled by making minor driving habit or lifestyle changes. This article gives more details to help keep prices low and find overlooked discounts.

Step 2: Request price quotes from direct carriers, independent agents, and exclusive agents. Direct and exclusive agents can give quotes from one company like GEICO or Allstate, while independent agencies can quote rates for many different companies.

Step 3: Compare the quotes to your existing policy to see if you can save by switching companies. If you find a lower rate, verify that coverage does not lapse between policies.

Step 4: Notify your company or agent of your intention to cancel the current policy. Submit a signed application and payment to your new insurance company. When you receive it, keep your new proof of insurance paperwork along with your vehicle registration.

A good tip to remember is to make sure you’re comparing the same physical damage deductibles and liability limits on every quote and and to look at all possible companies. Doing this guarantees a fair price comparison and a good representation of prices.

Insurance rates Chrysler PT Cruiser in DurhamSmart shoppers know that auto insurance companies don’t want you to look for a cheaper policy. People who shop around annually are very likely to switch companies because there is a high probability of finding a lower-cost company. A recent auto insurance study revealed that people who regularly compared rates saved $860 a year compared to other drivers who don’t make a habit of comparing rates.

If finding the lowest price on insurance is your ultimate goal, then learning about the best way to compare insurance coverage can make it simple to find affordable coverage.

Shopping for the best policy in Durham is not as hard as you think. Nearly everyone who is looking for a better price on auto insurance most likely will be able to reduce their rates. But North Carolina drivers do need to know how insurance companies calculate their prices and apply this information to your search.

When comparison shopping, there are several ways of comparing rate quotes from insurance companies in your area. The easiest way by far to find the cheapest Chrysler PT Cruiser insurance rates is to jump online and get quotes.

It’s so simple to compare insurance rates online takes the place of having to spend time driving to local Durham insurance agencies. The fact that you can get quotes online has reduced the need for local agents unless you have a need for the guidance that only a licensed agent can provide. Drivers can get prices online but buy from a local insurance agent.

When price shopping your coverage, comparing more quotes increases your odds of finding the best price. Some smaller insurers do not give online Durham PT Cruiser insurance quotes, so it’s important to compare rates on coverage from those companies, too.

The car insurance companies shown below can provide comparison quotes in North Carolina. To find the best cheap car insurance in Durham, NC, it’s a good idea that you visit two to three different companies to get the lowest price.

Verify you’re earning every discount

Some insurers do not list every available discount very well, so the next list breaks down a few of the more common as well as some of the hidden discounts that you can inquire about if you buy Durham auto insurance online.Save money with discounts

As is typical with insurance, most of the big mark downs will not be given to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. Despite the appearance that all the discounts add up to a free policy, it’s just not the way it works.

The chart below shows the difference between Chrysler PT Cruiser insurance rates with and without policy discounts. The costs are based on a male driver, a clean driving record, no at-fault accidents, 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 safe-driver, multi-policy, marriage, claim-free, homeowner, and multi-car discounts applied.

A list of car insurance companies and a selection of discounts are:

When comparing rates, check with all the companies how you can save money. Discounts might not be offered in Durham. To locate car insurance companies with discount rates in North Carolina, click here to view.

Auto insurance analysis for a Chrysler PT Cruiser

The coverage information below covers different insurance coverage prices for Chrysler PT Cruiser models. Having a better understanding of how insurance premiums are formulated can assist in making smart choices when buying a policy.

Chrysler PT Cruiser Insurance Rates in Durham, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $144 $264 $198 $12 $60 $678 $57
PT Cruiser 2WD 4-Dr $144 $264 $198 $12 $60 $678 $57
Get Your Own Custom Quote Go

Table data assumes married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Estimates do not factor in zip code location which can raise or lower prices noticeably.

Driving violations and accidents

The example below illustrates how traffic citations and accident claims can increase Chrysler PT Cruiser yearly insurance costs for different age categories. The costs are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

Chrysler PT Cruiser insurance rates by age and gender

The diagram below visualizes the comparison of Chrysler PT Cruiser auto insurance rates for male and female drivers. The data is based on no violations or claims, full coverage, $250 deductibles, single status, and no discounts are applied.

Full coverage versus liability only rates

The information below shows the difference between Chrysler PT Cruiser insurance costs when comparing full coverage to state minimum liability only. The price estimates are based on no violations or claims, $100 deductibles, drivers are single, and no policy discounts are applied.

Should you be buying full coverage?

There is no definitive rule that is best for determining when to drop physical damage coverage on your policy, but there is a guideline you can use. If the yearly cost of full coverage is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Chrysler PT Cruiser settlement value is $5,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled in an accident, the most your company will settle for is $4,000 after paying your deductible. If you are paying over $400 annually to have full coverage, then it might be time to buy liability only.

There are some cases where dropping full coverage is not in your best interest. If you still owe money on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not opt for liability only.

How Insurance Companies Determine Chrysler PT Cruiser Insurance Prices

Many things are part of the equation when pricing auto insurance. Some are pretty understandable such as your driving record, although others are more obscure like your continuous coverage or your commute time. Consumers need to have an understanding of the rating factors that come into play when calculating the level of your policy premiums. When you understand what determines base rates, this enables you to make decisions that can earn you lower car insurance prices.

Listed below are some of the major factors used by insurance companies to determine your prices.

Multi-policy discounts can save money – Most larger insurance companies will award lower prices to customers that purchase more than one policy in the form of a multi-policy discount. Even with this discount, consumers should still get quotes from other companies to confirm you are receiving the best rates possible.

Older drivers are lower risk – Inexperience drivers are known to get distracted easily when at the wheel of a vehicle and because of this, their car insurance rates are much higher. Having to add a teen driver onto a policy can be very expensive. More mature drivers have been proven to be more responsible, cost insurance companies less in claims, and are generally more financially stable.

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

Protect yourself with liability – The liability coverage on your policy will protect you when you are found liable for damages from an accident. This coverage provides legal defense to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.

Lower premiums for safer cars – Safe vehicles tend to have lower insurance rates. Vehicles engineered for safety protect occupants better and lower rates of occupant injuries translates into savings for insurance companies and more competitive rates for policyholders. If your Chrysler PT Cruiser earned at least four stars on or an “acceptable” rating on you may qualify for a discount.

You might pay higher prices if you are single – Having a significant other can actually save you money on car insurance. It translates into being more responsible and insurance companies like that married drivers get in fewer accidents.

Proper usage rating affects premiums – Driving more miles annually the higher your rates will be. Most companies calculate rates based upon how you use the vehicle. Cars that sit idle most of the time receive better premium rates than cars that get driven a lot. It’s a good idea to make sure your car insurance policy properly reflects the correct driver usage, because it can save money. Having the wrong rating on your PT Cruiser may be costing you higher rates.

Do you need those add-on coverages? – There are a lot of extra coverages you can purchase on your car insurance policy. Coverage for things like coverage for rental cars, better glass coverage, and term life insurance may be wasting your money. You may think they are a good idea when buying your policy, but now you might not need them so eliminate them to save money.

Don’t I need to have guidance from an agent?

Many people would prefer to sit down and talk to an agent and that is a smart decision The best thing about getting free rate quotes online is that you can obtain cheaper auto insurance rates and still buy from a local agent. Buying insurance from local agents is important particularly in Durham.

Find insurance agent in DurhamTo make it easy to find an agent, after completing this short form, the quote information is immediately sent to insurance agents in Durham who will return price quotes for your coverage. You never need to do any legwork since price quotes are sent to you instantly. You can find better rates and an insurance agent to talk to. If you want to get a price quote from a specific car insurance provider, you can always search and find their rate quote page to submit a rate quote request.

Listed below is a list of insurance companies in Durham that may be able to provide rate quotes for Chrysler PT Cruiser insurance in Durham.

1210 Cole Mill Rd Suite 101Durham, NC 27705(919) 294-6613View Map

2005 N Pointe Dr Ste 3Durham, NC 27705(919) 479-2077View Map

3622 Shannon Rd #102Durham, NC 27707(919) 401-6147View Map

3823 Guess RdDurham, NC 27705(919) 477-7300View Map

More insurance agents

Selecting an insurer is decision based upon more than just the quoted price. Any agent in Durham should be forthright in answering these questions:

North Carolina auto insurance companies

Selecting the best insurance company can be rather challenging considering how many different companies insure vehicles in North Carolina. The ranking data in the next section could help you choose which insurers you want to consider purchasing coverage from.

Top 10 Durham Car Insurance Companies Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Nationwide – 89%
  5. Travelers – 88%
  6. Progressive – 88%
  7. Safeco Insurance – 88%
  8. State Farm – 88%
  9. Allstate – 88%
  10. The Hartford – 87%

Top 10 Durham Car Insurance Companies by A.M. Best Rank

  1. Travelers – A++
  2. USAA – A++
  3. GEICO – A++
  4. State Farm – A++
  5. Titan Insurance – A+
  6. Esurance – A+
  7. Progressive – A+
  8. Nationwide – A+
  9. The Hartford – A+
  10. Allstate – A+

Quote often and quote early

Cheaper insurance in Durham can be purchased on the web and from local agencies, so you should compare both so you have a total pricing picture. A few companies may not offer the ability to get quotes online and many times these smaller companies sell through independent insurance agents.

We’ve covered a lot of ways to reduce Chrysler PT Cruiser insurance car insurance rates online in Durham. The most important thing to understand is the more companies you get premium rates for, the better your comparison will be. You may even find the best price on insurance is with a small local company. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Allstate, GEICO and Progressive.

Additional insurance information can be read at the links below