Affordable Insurance for a Chrysler PT Cruiser in Aurora

Amazingly, a recent study showed that over 70% of consumers have remained with the same auto insurance company for more than four years, and about 40% of consumers have never taken the time to shop around. Aurora drivers could save themselves about $610 a year, but most just don’t grasp how much money they would save if they moved their coverage to a different company.

Insurance for Chrysler PT CruiserTruthfully, the best way to find cheaper quotes for car insurance rates is to make a habit of comparing prices annually from insurers that insure vehicles in Aurora. Rate comparisons can be done by completing these steps.

The key thing to remember is to compare the same amount of coverage on each quote and and to look at as many companies as you can. Doing this enables a fair price comparison and the best price quote selection.

Get cheaper Chrysler PT Cruiser insurance in Aurora with discounts

Car insurance is neither fun to buy or cheap, but you can get discounts that can drop the cost substantially. Many of these discounts will be applied automatically at the time you complete a quote, but lesser-known reductions have to be manually applied in order for you to get them.

Don’t be surprised that most discounts do not apply to your bottom line cost. Most cut individual premiums such as liability and collision coverage. Despite the appearance that all the discounts add up to a free policy, that’s just not realistic. But all discounts should help reduce the amount you have to pay.

The example below illustrates the comparison of Chrysler PT Cruiser insurance costs with and without policy discounts. The information is based on a female driver, no claims or driving citations, Colorado state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, homeowner, multi-car, claim-free, and marriage discounts applied.

A list of companies and a selection of discounts can be found below.

When comparing rates, check with all companies you are considering to apply every possible discount. Savings may not apply everywhere. If you would like to choose from a list of insurance companies who offer cheap Chrysler PT Cruiser insurance quotes in Aurora, click here.

Just keep in mind that obtaining a wide range of quotes will enable you to find a lower rate than you’re paying now. Some smaller insurers do not give Aurora PT Cruiser insurance quotes over the internet, so it’s important to compare price estimates from them, too.

The car insurance companies shown below can provide free quotes in Aurora, CO. If you want to find the best car insurance in Aurora, CO, we recommend you get price quotes from several of them to get a more complete price comparison.

Insurance rate breakdown

The coverage information shown below highlights estimates of prices for Chrysler PT Cruiser models. Having a better idea how policy premiums are formulated can help you make informed decisions when shopping around for a new policy.

Chrysler PT Cruiser Insurance Rates in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $144 $272 $362 $22 $108 $908 $76
PT Cruiser 2WD 4-Dr $144 $272 $362 $22 $108 $908 $76
Get Your Own Custom Quote Go

Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Colorado minimum liability limits. Discounts applied include homeowner, safe-driver, multi-vehicle, multi-policy, and claim-free. Rate quotes do not factor in garaging location in Aurora which can influence prices noticeably.

Policy deductible comparison

When buying car insurance, a common question is which deductibles should you choose. The rates shown below may help to illustrate the rate fluctuation when you buy lower versus higher deductibles. The first data set uses a $100 physical damage coverage deductible and the second rate chart uses a $500 deductible.

Chrysler PT Cruiser insurance policy rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $264 $448 $298 $18 $90 $1,143 $95
PT Cruiser 2WD 4-Dr $264 $448 $298 $18 $90 $1,143 $95
Get Your Own Custom Quote Go

Chrysler PT Cruiser insurance policy rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $192 $304 $298 $18 $90 $902 $75
PT Cruiser 2WD 4-Dr $192 $304 $298 $18 $90 $902 $75
Get Your Own Custom Quote Go

Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Table data does not factor in specific zip code location which can increase or decrease insurance rates greatly.

Based on the above data, using a $100 deductible costs about $20 more each month or $240 a year than opting for the higher $500 deductible. Since you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you have at a minimum 20 months between claims, you would come out ahead if you choose a higher deductible.

How to calculate when to raise deductibles

Average monthly premium for $100 deductibles: $95
Average monthly premium for $500 deductibles (subtract): – $75
Monthly savings from raising deductible: $20
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $20
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 20 months

One thing to note is that increasing deductibles to save money results in having to pay to pay more out-of-pocket at claim time. That will require some savings in the bank in order to pay more for the deductible.

How careless driving impacts car insurance rates

The chart below shows how traffic citations and accidents can affect Chrysler PT Cruiser auto insurance costs for different insured age categories. The premiums are based on a married female driver, full coverage, $1,000 deductibles, and no discounts are factored in.

Chrysler PT Cruiser full coverage rates compared to liability only

The diagram below visualizes the comparison of Chrysler PT Cruiser insurance costs when comparing full coverage to state minimum liability only. The information is based on no accidents or driving violations, $250 deductibles, single status, and no policy discounts are applied.

When to eliminate full coverage

There is no set guideline to drop full coverage, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is 10% or more of the settlement you would receive from your company, then it may be the right time to buy liability only.

For example, let’s pretend your Chrysler PT Cruiser book value is $9,000 and you have $1,000 physical damage deductibles. If your vehicle is destroyed, the most you would receive is $8,000 after paying your policy deductible. If you are paying in excess of $800 a year to have full coverage, then you might consider buying liability only.

There are some situations where removing full coverage is not a good plan. If you still owe money on your vehicle, you are required to maintain full coverage in order to keep the loan. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Five Tips to Get More Affordable Aurora Insurance Rates

The best way to find cheaper car insurance is to take a look at the factors that come into play when calculating your car insurance rates. When consumers understand what determines base rates, this helps enable you to make changes that will entitle you to cheaper rates. Lots of factors are used in the calculation when you quote your car insurance policy. Some are pretty understandable like your driving record, but some are more obscure like where you live or your financial responsibility.

The following are most of the major factors car insurance companies consider when setting your rate level.

What insurance coverages do I need?

Keep in mind that when it comes to choosing your policy, there is no “perfect” insurance plan. Your financial needs are unique so your insurance needs to address that. For instance, these questions may help you determine whether your personal situation would benefit from an agent’s advice.

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Local Aurora car insurance agents and insurance

Some people would rather sit down with an agent and often times that is recommended One of the great benefits of comparing insurance online is that you can find cheap insurance quotes and also buy local. And buying from local agencies is definitely important in Aurora.

Insurance agents in AuroraBy using this quick form, your coverage information is emailed to agents in your area who will give you quotes for your coverage. There is no need to find an agent because prices are sent to your email. It’s the lowest rates without requiring a lot of work. If you wish to get a rate quote from a specific insurance provider, feel free to visit that company’s website to submit a rate quote request.

If you need to find a good Aurora insurance agent, it helps to know the two types of agencies and how they can write your policy. Insurance agents are either exclusive or independent agents depending on their company appointments.

Independent Insurance Agencies or Brokers

Independent agents can quote rates with many companies so as a result can place your coverage with an assortment of companies and get the cheapest rates. If prices rise, they can switch companies in-house and you won’t have to switch agencies.

When comparing rate quotes, you should always get quotes from a couple of independent agencies in order to compare the most rates.

Below are independent agents in Aurora who may provide free price quotes.

2600 S Parker Rd # 263Aurora, CO 80014(303) 309-6200View Map

2241 S Peoria St # 202Aurora, CO 80014(303) 337-3600View Map

1080 S Sable BlvdAurora, CO 80012(303) 344-2886View Map

More Aurora agents

Exclusive Insurance Agencies

Exclusive agents have only one company to place business with such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to shop your coverage around so they are skilled at selling on more than just price. Exclusive agents are highly trained on their company’s products and that allows them to sell at a higher price point.

Shown below is a list of exclusive agencies in Aurora who can help you get price quote information.

3102 S Parker Rd Ste A16Aurora, CO 80014(303) 696-2666View Map

15281 E Smoky Hill RdAurora, CO 80015(720) 886-0400View Map

2821 S Parker Rd #235Aurora, CO 80014(720) 789-7980View Map

More Aurora agents

Choosing the best car insurance agent shouldn’t rely on just a cheap price. Here are some questions you might want to ask.

Upon getting acceptable answers to these questions as well as an affordable premium quote, you have narrowed it down to an auto insurance agent that meets the criteria to service your policy.

Three reasons to insure your PT Cruiser

Despite the fact that auto insurance is not cheap in Aurora, auto insurance may be required and benefits you in several ways.

The benefits of insuring your car more than offset the price you pay, specifically if you ever have a liability claim. As of last year, the average driver in Colorado is wasting up to $700 annually so compare quotes from several companies each time the policy renews to ensure rates are inline.

Cover all your bases

Throughout this article, we presented a lot of ways to find affordable Chrysler PT Cruiser insurance in Aurora. The key thing to remember is the more rate quotes you have, the higher the chance of saving money. You may even find the biggest savings come from a lesser-known regional company. Some small companies may only write in your state and offer lower prices than the large multi-state companies such as State Farm and Allstate.

Cheap Chrysler PT Cruiser insurance in Aurora can be sourced both online in addition to many Aurora insurance agents, so you should compare both in order to have the best price selection to choose from. A few companies may not provide the ability to get quotes online and many times these smaller companies provide coverage only through independent agents.

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