Cheap Insurance for a Chrysler PT Cruiser in Henderson

A recent study showed that the vast majority of Nevada car insurance customers have bought car insurance from the same company for well over three years, and practically 40% of car insurance customers have never compared rates with other companies. Many consumers in America could save approximately 46.5% each year just by getting comparison quotes, but they just assume it’s a time-consuming process to go online and compare rates.

Insurance for Chrysler PT CruiserThe most effective way to get cheaper car insurance rates in Henderson is to begin comparing prices regularly from different companies who provide car insurance in Nevada.

  1. It will benefit you to learn about how car insurance works and the things you can change to drop your rates. Many factors that drive up the price like speeding tickets, careless driving and a poor credit rating can be improved by making small lifestyle or driving habit changes.
  2. Compare rates from direct, independent, and exclusive agents. Exclusive agents and direct companies can only quote rates from one company like Progressive or Allstate, while independent agents can give you price quotes for a wide range of companies.
  3. Compare the new rate quotes to your current policy premium to see if a cheaper rate is available in Henderson. If you find a lower rate quote and change companies, make sure coverage is continuous and does not lapse.
  4. Provide notification to your current company of your decision to cancel your current car insurance policy. Submit the completed application along with a down payment to your new carrier. Don’t forget to store the certificate verifying coverage along with your vehicle registration.

A valuable tip to remember is that you use identical deductibles and limits on every price quote and and to get price estimates from as many car insurance companies as possible. This helps ensure a level playing field and the best rate selection.

The most recommended method to compare rate quotes for Chrysler PT Cruiser insurance in Henderson is to realize most larger insurance companies participate in a system to quote your coverage. The only thing you need to do is spend a couple of minutes providing details including if you require a SR-22, if the car is leased, if you went to college, and if you have an active license. The data is sent automatically to insurance companies and they provide comparison quotes within a short period of time.

If you would like to start a quote now, click here and enter the information requested.

The companies shown below offer price quotes in Henderson, NV. If multiple companies are listed, it’s a good idea that you compare several of them to find the lowest car insurance rates.

Facts and figures for Chrysler PT Cruiser insurance

The rate information displayed next outlines different insurance rates for Chrysler PT Cruiser models. Learning as much as possible about how rates are calculated is important for drivers to make decisions on the best policy to buy.

Chrysler PT Cruiser Insurance Rates in Henderson, NV
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $98 $172 $246 $14 $74 $604 $50
PT Cruiser 2WD 4-Dr $98 $172 $246 $14 $74 $604 $50
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Data variables include married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Table data does not factor in specific location information which can increase or decrease premium rates considerably.

Auto insurance deductibles

When comparing auto insurance rates, the most common question is at what level do you set your deductibles. The rates below may help to conceptualize the rate fluctuation when you select higher and lower comp and collision deductibles. The first data table uses a $250 deductible for physical damage and the second rate chart uses a $500 deductible.

Chrysler PT Cruiser insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $208 $330 $262 $16 $78 $919 $77
PT Cruiser 2WD 4-Dr $208 $330 $262 $16 $78 $919 $77
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Chrysler PT Cruiser insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $168 $266 $262 $16 $78 $790 $66
PT Cruiser 2WD 4-Dr $168 $266 $262 $16 $78 $790 $66
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Nevada minimum liability limits. Discounts applied include homeowner, claim-free, multi-vehicle, multi-policy, and safe-driver. Rate information does not factor in specific location information which can increase or decrease auto insurance rates considerably.

Based on the figures above, using a $250 deductible will cost you about $11 more each month or $132 annually across all Chrysler PT Cruiser models than choosing the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you average at a minimum 23 months between claim filings, you would probably be better off if you choose the higher deductible. The table below illustrates an example of how we made this calculation.

Average monthly premium for $250 deductibles: $77
Average monthly premium for $500 deductibles (subtract): – $66
Monthly savings from raising deductible: $11
Difference between deductibles ($500 – $250): $250
Divide difference by monthly savings: $250 / $11
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 23 months

One important issue to know is that raising deductibles to save money means you will have to pay more out-of-pocket when you have a claim. That will require some money saved in the event you need to pay the higher deductible.

Responsible drivers pay cheaper auto insurance rates

The chart below demonstrates how speeding tickets and fender-benders can influence Chrysler PT Cruiser yearly insurance costs for different age categories. The rate quotes are based on a single female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.

Annual premiums for males compared to females in Henderson

The chart below visualizes the comparison of Chrysler PT Cruiser insurance costs for male and female drivers. The premiums are based on no driving violations, no at-fault accidents, comp and collision included, $1,000 deductibles, drivers are not married, and no discounts are applied.

Full coverage versus liability only rates

The illustration below illustrates the comparison of Chrysler PT Cruiser insurance prices with liability coverage only compared to full coverage. The rates are based on no accidents or driving violations, $100 deductibles, drivers are single, and no discounts are factored in.

When to stop paying for full coverage

There is no clear-cut rule to exclude full coverage, but there is a broad guideline. If the yearly cost of comp and collision coverage is more than around 10% of the settlement you would receive from your company, then it might be time to buy liability only.

For example, let’s assume your Chrysler PT Cruiser claim settlement value is $6,000 and you have $1,000 deductibles. If your vehicle is severely damaged, the most your company will settle for is $5,000 after paying your deductible. If it’s costing you more than $500 annually for full coverage, then you might want to think about dropping full coverage.

There are some scenarios where removing full coverage is not financially feasible. If you have an outstanding loan on your vehicle, you have to keep full coverage to protect the lienholder’s interest. Also, if you can’t afford to buy a different vehicle in the even your car is totaled, you should not consider dropping full coverage.

Car insurance discounts are available for cheaper rates

Car insurance is not an enjoyable expense, but you may be missing some discounts that you may not know about. Some discounts will apply when you purchase, but a few need to be specially asked for prior to receiving the credit.Discount car insurance

Don’t be shocked that many deductions do not apply to the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So despite the fact that it appears all those discounts means the company will pay you, it doesn’t quite work that way. Any qualifying discounts will help lower the amount you have to pay.

The diagram below illustrates the comparison of Chrysler PT Cruiser insurance costs with and without discounts. The data is based on a female driver, a clean driving record, no claims, Nevada state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, multi-car, marriage, homeowner, multi-policy, and claim-free discounts applied.

Car insurance companies that possibly offer some of the discounts shown above may include but are not limited to:

Double check with each company or agent how you can save money. All car insurance discounts may not apply in your area. To locate insurers that provide some of the discounts listed above in Nevada, click this link.

Three reasons to insure your vehicle

Despite the fact that car insurance is not cheap in Henderson, buying car insurance is required for several reasons.

First, the majority of states have compulsory liability insurance requirements which means state laws require specific limits of liability coverage in order to be legal. In Nevada these limits are 15/30/10 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.

Second, if you bought your Chrysler PT Cruiser with a loan, it’s guaranteed your bank will have a requirement that you have comprehensive coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the lender may insure your Chrysler at an extremely high rate and require you to reimburse them for it.

Third, insurance protects your vehicle and your assets. It will also pay for medical bills for both you and anyone you injure as the result of an accident. Liability coverage will also pay attorney fees if you are named as a defendant in an auto accident. If your Chrysler gets damaged, comprehensive (other-than-collision) and collision coverage will pay to repair the damage.

The benefits of carrying adequate insurance greatly outweigh the cost, especially with large liability claims. But the average driver in Nevada overpays more than $855 a year so you should quote your policy with other companies every year to ensure rates are inline.

Independent versus exclusive car insurance agents

Some people would prefer to sit down and talk to an agent and that is OK! Agents are very good at helping people manage risk and help submit paperwork. The best thing about comparing insurance online is that drivers can save money and get the best rates but also keep your business local.

Henderson insurance agentsTo find an agent, once you fill out this simple form, your information is emailed to companies in Henderson that give free quotes for your business. You don’t have to contact any insurance agencies due to the fact that quote results will go to you. If you want to get a rate quote from a particular provider, feel free to search and find their rate quote page and fill out their quote form.

Finding a good company is decision based upon more than just a low price. Here are some questions to ask:

Pick the best auto insurance agent in Henderson for you

If you want a good insurance agency, it helps to know the two different types of agencies that you can select. Insurance agencies in Henderson can either be independent or exclusive depending on the company they work for. Either type can insure your vehicles properly, but it’s good to learn the subtle differences because it can impact the selection process.

Exclusive Agents

Exclusive insurance agents can only quote rates from one company and some examples include American Family, State Farm, and Allstate. Exclusive agents cannot provide other company’s prices so if the price isn’t competitive there isn’t much they can do. Exclusive agencies are well schooled on their company’s products which can be an advantage. Some consumers prefer to buy from the same agent for years partially due to the prominence of the brand and solid financial strength.

Listed below is a short list of exclusive agents in Henderson willing to provide price quotes.

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Independent Agents

Agents in the independent channel often have affiliation with several companies so they have the ability to put coverage with many different companies and potentially find a lower price. If you are not satisfied with one company, the business is moved internally and you won’t have to switch agencies.

When comparing rate quotes, we highly recommend that you include rate quotes from several independent agencies to have the most options to choose from. They often place coverage with companies you’ve never heard of who may have lower rates.

The following is a short list of independent agencies in Henderson that are able to give price quotes.

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Once you have reasonable responses to any questions you have and locked in a price quote, it’s possible that you found a car insurance agent that will properly insure your vehicles. It’s important to know that you are entitled to cancel coverage any time you want so don’t assume you’re contractually obligated to a policy with no way to switch.