Smart shoppers know that insurance companies don’t want you to compare rates. People who compare rates once a year will most likely switch auto insurance companies because of the high probability of finding more affordable rates. A survey found that people who routinely compared quotes saved as much as $72 a month compared to those who never shopped around for lower prices.
If finding the lowest rates on Chrysler PT Cruiser insurance in Kansas City is your objective, then learning about the best ways to shop for coverage rates can make shopping around easier.
The recommended way to find lower priced Chrysler PT Cruiser insurance is to compare prices regularly from providers who sell auto insurance in Kansas City. Rates can be compared by completing these steps.
Step 1: Take a little time to learn about how insurance companies determine prices and the measures you can control to keep rates down. Many rating factors that cause high rates like at-fault accidents, careless driving, and an imperfect credit history can be eliminated by being financially responsible and driving safely. Continue reading for tips to get low prices and find additional discounts you may qualify for.
Step 2: Compare prices from direct, independent, and exclusive agents. Exclusive agents and direct companies can only give rate quotes from a single company like Progressive or Farmers Insurance, while independent agents can give you price quotes from many different companies. View rates
Step 3: Compare the new rate quotes to the premium of your current policy to see if switching to a new carrier will save money. If you can save money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.
Step 4: Tell your current company of your decision to cancel your current policy and submit the required down payment along with the signed application to your new agent or company. Don’t forget to put the new proof of insurance certificate in an accessible location in your vehicle.
The key thing to remember is that you’ll want to compare identical coverage information on every price quote and and to look at as many companies as feasibly possible. Doing this helps ensure a fair price comparison and a complete selection of prices.
Quoting and buying affordable policy in Kansas City is not as confusing as people think. If you already have coverage or are looking for a new policy, follow these tips to reduce the price you pay while maximizing coverage. Drivers just need to learn the proper methods to shop instantly.
Best companies for Chrysler PT Cruiser insurance
The following companies are our best choices to provide price comparisons in Kansas City, MO. To find cheap auto insurance in Kansas City, we suggest you compare several of them to find the lowest car insurance rates.
Auto insurance statistics for a Chrysler PT Cruiser
The table displayed below covers estimates of insurance rates for Chrysler PT Cruiser models. Understanding more about how auto insurance premiums are figured can help drivers make informed coverage decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|PT Cruiser 2WD 4-Dr||$154||$282||$212||$12||$64||$724||$60|
|PT Cruiser 2WD 4-Dr||$154||$282||$212||$12||$64||$724||$60|
|Get Your Own Custom Quote Go|
Cost estimates assume married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, claim-free, safe-driver, multi-vehicle, and homeowner. Rates do not factor in vehicle garaging location which can change premiums greatly.
Safe drivers pay less for auto insurance
The chart below highlights how traffic violations and at-fault accidents impact Chrysler PT Cruiser auto insurance costs for each different age category. The prices are based on a married female driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
Chrysler PT Cruiser annual premiums for males versus females
The example below visualizes the comparison of Chrysler PT Cruiser insurance costs for male and female drivers. Data assumes no claims or violations, comp and collision included, $500 deductibles, single status, and no other discounts are factored in.
Choices You Make Can Impact Your Insurance Costs
Many things are taken into consideration when you get a price on insurance. Most are fairly basic like a motor vehicle report, but others are more transparent such as whether you are married or your financial responsibility.
The following are most of the major factors auto insurance companies consider when setting rates.
Do you need those incidental coverages? – Insurance policies have a lot of additional coverages that can waste your money but may not be useful. Things like rental car reimbursement, accidental death, and Farm Bureau memberships may not be needed and are just wasting money. These may sound like a good investment when discussing your needs, but your money might be better spent on other coverage so remove them from your policy.
Being married can lower rates – Having a spouse can actually save you money on your policy. Having a spouse is viewed as being more mature and insurance companies like that married drivers tend to file fewer claims.
More people means more accidents – Residing in areas with lower population is a good thing when trying to find low car insurance rates. Residents of big cities tend to have traffic congestion and longer commutes to work. Less people corresponds to lower accident rates in addition to lower liability claims.
Pleasure use or commuting – The higher the miles on your Chrysler in a year the higher your rates will be. Many insurance companies apply a rate based upon how you use the vehicle. Cars and trucks not used for work or commuting can get a lower rate than vehicles that are driven to work every day. It’s a smart idea to ensure your auto insurance coverage reflects the proper vehicle usage. Incorrect rating for your PT Cruiser may be costing you.
Higher deductibles cost less – Physical damage protection, aka comp and collision, helps pay for damage to your vehicle. Some examples of covered claims would be a dented fender, hail damage, and windstorm damage. Your deductibles are how much you are required to spend in the event of a claim. The more of the claim the insured is willing to pay, the less your auto insurance will be.
Excellent credit equals lower prices – Having a good credit score is likely to be a major factor in determining your rates. Drivers who have very high credit ratings tend to be better risks to insure than drivers with lower credit ratings. Therefore, if your credit is low, you could be paying less to insure your Chrysler PT Cruiser if you clean up your credit.
Avoid auto insurance policy lapses – Not having insurance is not a good idea and as a result your rates will increase for letting your coverage lapse. In addition to paying higher premiums, getting caught without coverage may earn you a fine, jail time, or a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with the Missouri motor vehicle department to get your license reinstated.
Get cheaper rates by taking advantage of discounts
Some providers don’t always list every possible discount very well, so below is a list some of the more common as well as the least known discounts that you may qualify for.
- Driver’s Education for Students – Require your teen driver to successfully take a driver’s education course if offered at their school.
- Theft Deterrent System – Vehicles equipped with tracking devices and advanced anti-theft systems prevent vehicle theft so companies will give you a small discount.
- Senior Citizens – Drivers over the age of 55 are able to get reduced rates.
- Seat Belt Discounts – Forcing all vehicle occupants to fasten their seat belts may be able to save a few bucks off PIP or medical payments premium.
- Defensive Driver Discount – Taking part in a defensive driver class may get you a small discount and easily pay for the cost of the class.
You can save money using discounts, but most credits do not apply to your bottom line cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, you won’t be that lucky.
The illustration below visualizes the comparison of Chrysler PT Cruiser insurance premiums with and without discounts applied to the policy rates. The rate quotes are based on a female driver, no violations or claims, Missouri state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, marriage, multi-policy, multi-car, claim-free, and safe-driver discounts applied.
A few popular companies and some of the discounts can be found below.
- State Farm has discounts for Drive Safe & Save, accident-free, anti-theft, student away at school, and defensive driving training.
- Nationwide includes discounts for Farm Bureau membership, defensive driving, business or organization, family plan, and good student.
- GEICO may include discounts for emergency military deployment, membership and employees, anti-lock brakes, federal employee, five-year accident-free, and good student.
- AAA policyholders can earn discounts including multi-policy, anti-theft, good student, multi-car, and pay-in-full.
- 21st Century may have discounts that include student driver, early bird, air bags, theft prevention, and automatic seat belts.
- The Hartford has savings for air bag, anti-theft, defensive driver, good student, and bundle.
Check with each company or agent to apply every possible discount. Some discounts might not be available to policyholders in Kansas City. To choose providers that can offer you the previously mentioned discounts in Missouri, click here to view.
Compare prices but work with a local Kansas City insurance agent
Many drivers would rather get professional advice from a licensed agent and we recommend doing that Licensed agents can point out coverage gaps and help submit paperwork. One of the best bonuses of getting free rate quotes online is the fact that you can find cheap auto insurance quotes and still have an agent to talk to. Putting coverage with local agencies is especially important in Kansas City.
For easy comparison, once you complete this form (opens in new window), your information is emailed to local insurance agents who will return price quotes for your auto insurance coverage. It’s much easier because you don’t need to visit any agencies since rate quotes are delivered to you instantly. If you want to quote rates from a specific company, you can always visit that company’s website and fill out their quote form.
Selecting an company should depend on more than just the premium amount. These are some questions your agent should answer.
- Does the agency have a good rating with the Better Business Bureau?
- What insurance companies do they recommend if they are an independent agent?
- Do they make recommendations based only on price?
- Is there a local claims center in Kansas City?
- Is the agency involved in supporting local community causes?
- Do they have any clout with companies to ensure a fair claim settlement?
If you get acceptable answers to any questions you have as well as a affordable price, you may have found a company that is reliable enough to properly insure your vehicles. But remember, policyholders can cancel coverage for any reason so never feel you’re contractually obligated to any specific company indefinitely.
Do the work, save more money
When you buy Kansas City car insurance online, it’s a bad idea to buy poor coverage just to save money. There have been many cases where an insured dropped liability coverage limits only to discover later that the few dollars in savings costed them thousands. The ultimate goal is to find the BEST coverage at a price you can afford while still protecting your assets.
We just covered quite a bit of information on how to compare Chrysler PT Cruiser insurance rates in Kansas City. The key concept to understand is the more times you quote, the higher the chance of saving money. Consumers could even find that the lowest priced auto insurance comes from an unexpected company. They may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as Progressive and GEICO.
Lower-priced Chrysler PT Cruiser insurance in Kansas City can be purchased from both online companies and from local agencies, and you should compare price quotes from both to have the best chance of lowering rates. Some insurance companies may not provide price quotes online and usually these regional insurance providers work with local independent agents.
More detailed auto insurance information can be read at these sites:
- Safety Belts FAQ (iihs.org)
- What Car Insurance is Cheapest for Drivers Over Age 60 in Kansas City? (FAQ)
- Who Has Affordable Auto Insurance for Teenage Females in Kansas City? (FAQ)
- How Much are Kansas City Auto Insurance Quotes for a Toyota Camry? (FAQ)
- Who Has Cheap Auto Insurance for a Chevrolet Silverado in Kansas City? (FAQ)
- How Much are Auto Insurance Rates for Teachers in Kansas City? (FAQ)
- Five Tips to Save on Auto Insurance (Insurance Information Institute)
- Teen Driving and Texting (State Farm)
- Understanding Car Crashes Video (iihs.org)
- Child Safety FAQ (iihs.org)