Compare Chrysler PT Cruiser Insurance Quotes in Orlando

Insurance quote for Chrysler PT Cruiser in OrlandoIf saving the most money is your goal, then the best way to get budget Chrysler PT Cruiser insurance in Orlando is to compare quotes annually from insurers who sell insurance in Florida. Drivers can shop around by completing these steps.

  1. Take a few minutes and learn about how companies price auto insurance and the measures you can control to prevent expensive coverage. Many things that result in higher prices like speeding and a poor credit rating can be controlled by making minor driving habit or lifestyle changes. This article provides instructions to keep prices down and find possible discounts that are available.
  2. Request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agencies can provide rate quotes for a wide range of insurance providers.
  3. Compare the new rates to your existing rates to determine if switching companies saves money. If you find better rates and buy the policy, make sure the effective date of the new policy is the same as the expiration date of the old one.
  4. Provide written notification to your current company to cancel your existing policy and submit a down payment and signed policy application to the new company. As soon as you receive it, place your new certificate verifying coverage in your vehicle’s glove compartment or console.

One thing to remember is that you use identical coverage information on each quote request and and to get price quotes from every company you can. This helps ensure a level playing field and the best rate selection.

It’s hard to believe, but most auto insurance customers have stayed with the same insurance company for well over three years, and almost 40% of drivers have never quoted auto insurance rates at all. Drivers in Orlando could save roughly 55% each year by just shopping around, but most tend to underestimate the big savings they would realize if they bought a different policy.

Most of the larger companies like Allstate and Progressive allow consumers to get insurance quotes online. This process is fairly simple as you just type in the coverage amounts you desire into the quote form. Once you submit the form, the quote system automatically retrieves reports for credit and driving violations and provides a quote based on these and other factors.

The ability to get online rates for Chrysler PT Cruiser insurance in Orlando helps simplify price comparisons, and it’s very important to do this in order to find the cheapest price.

To use this form to compare rates, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you enter deductibles and limits identical to your current policy. Doing this guarantees you are getting comparison quotes based on identical coverages.

The auto insurance companies shown below are our best choices to provide free quotes in Florida. If multiple companies are listed, it’s highly recommended you compare several of them in order to find the lowest rates.

Rates and statistics

The rate table displayed below covers different insurance premium costs for Chrysler PT Cruiser models. Having knowledge of how auto insurance premiums are figured can assist in making decisions on the best policy to buy.

Chrysler PT Cruiser Insurance Rates in Orlando, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $270 $504 $460 $28 $138 $1,400 $117
PT Cruiser 2WD 4-Dr $270 $504 $460 $28 $138 $1,400 $117
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Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Florida minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rate quotes do not factor in garaging location in Orlando which can raise or lower premiums substantially.

Auto insurance deductibles

One of the hardest decisions when shopping for auto insurance is how high should the physical damage coverage deductibles be. The following insurance rates show the differences in price when you choose different physical damage deductibles. The first table uses a $100 deductible for comprehensive and collision coverage and the second rate 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 $312 $532 $354 $20 $106 $1,349 $112
PT Cruiser 2WD 4-Dr $312 $532 $354 $20 $106 $1,349 $112
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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 $228 $360 $354 $20 $106 $1,068 $89
PT Cruiser 2WD 4-Dr $228 $360 $354 $20 $106 $1,068 $89
Get Your Own Custom Quote Go

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Florida minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in specific location information which can lower or raise coverage rates substantially.

Based on the data above, we can derive that using a $100 deductible costs approximately $23 more each month or $276 a year than opting for the higher $500 deductible. Since you would have to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you tend to go at a minimum 17 months between claims, you would most likely save money if you choose a higher deductible. The table below illustrates how we made this calculation.

Average monthly premium for $100 deductibles: $112
Average monthly premium for $500 deductibles (subtract): – $89
Monthly savings from raising deductible: $23
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $23
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 17 months

Buy Chrysler PT Cruiser Insurance for Less

When buying insurance it’s important to understand some of the factors that go into determining the price you pay for insurance. When consumers understand what influences your rates, this helps enable you to make changes that may reward you with lower rates.

Shown below are most of the major factors used by insurance companies to determine your premiums.

It may be expensive, but it’s not optional

Despite the high cost of buying insurance for a Chrysler PT Cruiser in Orlando, insurance is required in Florida but also provides important benefits.

The benefits of buying enough insurance definitely exceed the price paid, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is currently overpaying as much as $830 a year so shop around once a year at a minimum to help ensure money is not being wasted.