Cheap Insurance for a Chrysler PT Cruiser in Atlanta

Do you need a better way to compare cheaper insurance rates in Atlanta, GA? Atlanta drivers have lots of choices when trying to find low-cost Chrysler PT Cruiser insurance. You can either spend your time driving around getting price quotes or save time using the internet to make rate comparisons.

There is a better way to compare insurance rates and you need to know the absolute fastest way to quote coverages for a new or used Chrysler and locate the lowest possible price from Atlanta insurance agents and online providers.

Sadly, about 70% of customers kept buying from the same company for a minimum of four years, and about 40% of consumers have never shopped around. Drivers in Georgia could save $960 every year just by getting comparison quotes, but most undervalue the amount of savings they would get if they moved their coverage to a different company.

Consumers should take time to get comparison quotes on a regular basis because prices trend upward over time. Despite the fact that you may have had the lowest price on Chrysler PT Cruiser insurance in Atlanta two years ago the chances are good that you can find a lower rate today. Forget anything you know (or think you know) about insurance because you’re about to learn one of the best ways to remove unneeded coverages and save money.

Which Chrysler PT Cruiser insurance is cheapest in Atlanta, GA?

The companies shown below can provide comparison quotes in Atlanta, GA. If multiple companies are listed, we recommend you visit two to three different companies to find the most competitive auto insurance rates.

Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rates do not factor in garaging location in Atlanta which can raise or lower coverage rates noticeably.

Tickets and at-fault accidents raise rates

The information below shows how traffic citations and at-fault claims can raise Chrysler PT Cruiser insurance rates for different categories of driver ages. The costs are based on a single male driver, full coverage, $500 deductibles, and no discounts are factored in.

Should you raise deductibles?

A question often asked by Atlanta drivers is how high or low should comp and collision deductibles be. The tables below lay out the cost difference when you select higher and lower coverage deductibles. The first rate comparisons uses a $250 deductible for comp and collision and the second price table uses a $1,000 deductible.

Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Rate quotes do not factor in specific location information which can increase or decrease auto insurance rates substantially.

Using the data above, we can ascertain that using a $250 deductible would cost the average driver about $23 more each month or $276 each year than requesting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more if you file a claim with a $1,000 deductible as compared to a $250 deductible, if you go at a minimum 33 months between claim filings, you would probably save some money if you opt for a higher deductible.

Lower-cost Chrysler PT Cruiser insurance in Atlanta

Insurance can cost an arm and a leg, but you might be missing out on some discounts to reduce the price significantly. Many of these discounts will be applied automatically at the time of quoting, but a few must be manually applied before they will apply.

• Anti-lock Brake System – Cars, trucks, and SUVs equipped with ABS or steering control can avoid accidents so companies give up to a 10% discount.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.
• Senior Citizens – Seniors are able to get better auto insurance rates.
• Safe Driver Discounts – Drivers without accidents may save up to 50% more compared to accident prone drivers.
• Multi-Vehicle Discounts – Buying insurance for multiple cars on one policy qualifies for this discount.

Consumers should know that most of the big mark downs will not be given to the whole policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. Despite the fact that it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Some of the insurance companies that may have these discounts include:

• State Farm
• Progressive
• Progressive
• MetLife
• Farm Bureau
• GEICO
• SAFECO

When getting free Atlanta auto insurance quotes, it’s a good idea to each insurance company which discounts you may be entitled to. Some discounts might not be available to policyholders everywhere. If you would like to choose from a list of companies who offer online Chrysler PT Cruiser insurance quotes in Atlanta, click this link.

The Chrysler PT Cruiser Insurance Cost Equation

Part of the car insurance buying process is learning some of the factors that come into play when calculating car insurance rates. When you know what positively or negatively positively or negatively impacts your premiums, this empowers consumers to make smart changes that will entitle you to lower premium levels. Lots of factors are taken into consideration when pricing auto insurance. Most are fairly basic like your driving record, although others are less apparent such as your credit history or your vehicle rating.

• Cheaper rates after marriage – Having a spouse can actually save you money compared to being single. Marriage generally demonstrates drivers are less irresponsible and statistics prove drivers who are married are more cautious.
• Claims cost money – Car insurance companies in Georgia give lower rates to policyholders who are claim-free. If you frequently file small claims, you can expect much higher rates or policy non-renewal. Your car insurance is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.
• Gender and insurance rates – Over the last 30 years, statistics show women are more cautious behind the wheel. However, don’t assume that males are worse at driving than females. Both sexes have accidents in similar percentages, but males cause more damage. Men also statistically get higher numbers of serious violations like DWI (DUI) or reckless driving.
• Occupation stress can affect rates – Did you know your career choice can influence rates? Careers like military personnel, architects and financial analysts tend to pay the highest rates in part from intense work requirements and long work days. Other professions such as professors, students and retirees get better rates.
• Liability protection is important – The liability section of your policy is the protection when you are determined to be liable for personal injury or accident damage. It will provide legal defense up to the limits shown on your policy. It is affordable coverage compared to other policy coverages, so do not skimp.

Are car insurance agents of importance?

Certain consumers just want to have an agent’s advice and that can be a great decision Experienced insurance agents can help you build your policy and help file insurance claims. The best thing about price shopping on the web is that drivers can save money and get lower car insurance rates and still have an agent to talk to. And buying from neighborhood agents is especially important in Atlanta.

After completing this quick form, your insurance data is immediately sent to local insurance agents in Atlanta who will give competitive quotes for your insurance coverage. You never need to contact any agents since price quotes are sent directly to your email. In the event you want to quote rates from one company in particular, you would need to navigate to their website to submit a rate quote request.

The following are Atlanta car insurance companies that may be willing to give price quotes for Chrysler PT Cruiser insurance in Atlanta.

• Mark Pritchard – State Farm Insurance Agent
  3280 Howell Mill Rd NW #107 – Atlanta, GA 30327 – (404) 856-4950 – View Map
• Shiron Kilgore – State Farm Insurance Agent
  42 Forsyth St NW – Atlanta, GA 30303 – (404) 527-4883 – View Map
• Allstate Insurance: Arlisher Jones
  1176 Ralph David Abernathy Blvd SW – Atlanta, GA 30310 – (404) 752-7056 – View Map
• Willard Murphy – State Farm Insurance Agent
  3867 Roswell Rd NE #101 – Atlanta, GA 30342 – (404) 816-8885 – View Map

View more Atlanta agents

Finding the right insurer needs to be determined by more than just the bottom line cost. Get answers to these questions too.

• Is the agent CPCU or CIC certified?
• Are they actively involved in the community?
• Do they review policy coverages at every renewal?
• Are they able to provide referrals?
• Do they specialize in personal lines coverage in Atlanta?

Are you falling for claims of savings?

Consumers can’t get away from ads for car insurance savings from companies such as Progressive, GEICO, Allstate and State Farm. They all make an identical promise that people will save just by moving your policy.

But how can every company say the same thing? Here is how they do it.

Many companies require specific criteria for the type of insured that will add to their bottom line. An example of this type of risk profile could be between the ages of 30 and 50, has no driving citations, and drives a lower-performance vehicle. Any new insured that meets those criteria will most likely get cheap premium rates and have a good chance to save if they switch.

Drivers who don’t meet this ideal profile will be charged higher premiums with the end result being business going elsewhere. The ads state “customers who switch” not “everyone who quotes” save that much money. That’s the way companies can make claims like that.

Because of the profiling, it is so important to compare many company’s auto insurance rates. You cannot predict which company will be your best fit.

Persistence pays off

You just learned a lot of information how to find affordable Chrysler PT Cruiser insurance in Atlanta. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding the cheapest Chrysler PT Cruiser rate quotes. You may even find the lowest priced insurance comes from a small mutual company.

Some insurance providers do not provide price quotes online and these small insurance companies prefer to sell through independent agents. Cheaper insurance in Atlanta is definitely available online and from local agencies, so you need to compare both in order to have the best price selection to choose from.

When shopping online for insurance, make sure you don’t buy less coverage just to save a little money. There have been many cases where someone sacrificed comprehensive coverage or liability limits only to regret at claim time that it was a big mistake. Your focus should be to get the best coverage possible for the lowest cost, but don’t skip important coverages to save money.

For more information, link through to the articles below:

• Credit and Insurance Scores (Insurance Information Institute)
• Who Has Cheap Car Insurance Rates for a Company Car in Atlanta? (FAQ)
• Who Has Affordable Auto Insurance Quotes for a Ford Fusion in Atlanta? (FAQ)
• Keeping Children Safe in Crashes Video (iihs.org)
• Credit Impacts Car Insurance Rates (State Farm)
• Insuring a Leased Car (Insurance Information Institute)