Find Cheaper Chrysler PT Cruiser Insurance in Honolulu

Have you finally had enough of sacrificing other expenses to make your auto insurance payment? You’re in the same situation as the majority of other drivers in Hawaii.

Unbelievable but true according to a study nearly 70% of customers kept buying from the same company for well over three years, and approximately 40% of consumers have never compared rate quotes at all. U.S. drivers could save almost $859 a year just by getting comparison quotes, but most just don’t grasp how much they could save if they moved their coverage to a different company.

Steps to buying low-cost Chrysler PT Cruiser insurance in Honolulu

The recommended way to save money on Chrysler PT Cruiser insurance is to compare quotes annually from providers that insure vehicles in Honolulu.

First, spend some time learning about how companies price auto insurance and the measures you can control to keep rates low. Many factors that are responsible for high rates such as accidents, traffic tickets, and an unacceptable credit history can be eliminated by making small lifestyle or driving habit changes.

Second, quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can only give rate quotes from one company like Progressive or State Farm, while independent agencies can provide prices from multiple sources. Get quotes now

Third, compare the new rate quotes to your existing rates and determine if there is any savings. If you find a lower rate, make sure there is no coverage gap between policies.

Fourth, provide notification to your current company of your intent to cancel the current policy and submit the completed application along with a down payment to your new agent or company. As soon as you receive it, put the new certificate verifying coverage along with your vehicle registration.

One thing to point out is to compare identical deductibles and limits on every quote and and to analyze as many different companies as possible. Doing this helps ensure an accurate price comparison and the best price selection.

Since you have so many choices of insurance companies that have cheaper insurance for a Chrysler PT Cruiser in Honolulu, it’s nearly impossible to choose the cheapest company.

It’s a good habit to compare rates on a regular basis because insurance prices tend to go up over time. Just because you had the best rates on Chrysler PT Cruiser insurance in Honolulu a couple years back you can probably find a better rate quote now. Forget anything you know (or think you know) about auto insurance because I’m going to let you in on the secrets to one of the best ways to save money, get proper deductibles and limits, all at the lowest rate.

The best way we recommend to get policy rate comparisons for Chrysler PT Cruiser insurance in Honolulu is to know the trick almost all companies pay for the opportunity to give rate comparisons. All consumers are required to do is provide details such as whether your vehicle is owned or leased, how much coverage you want, what your job is, and how much you drive. That information is instantly submitted to insurance carriers in your area and they return quotes quickly.

To start a quote now, click here and enter the information requested.

The companies shown below are ready to provide quotes in Honolulu, HI. If multiple providers are shown, it’s a good idea that you get rates from several of them in order to find the most affordable rates.

It may be expensive, but it’s not optional

Despite the high cost of buying insurance for a Chrysler PT Cruiser in Honolulu, insuring your vehicle may be required and benefits you in several ways.

• Just about all states have compulsory liability insurance requirements which means it is punishable by state law to not carry a specific level of liability protection if you drive a vehicle. In Hawaii these limits are 20/40/10 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you have a loan on your Chrysler PT Cruiser, it’s guaranteed your bank will require that you have full coverage to guarantee payment of the loan. If coverage lapses or is canceled, the lender will be forced to insure your Chrysler at a much higher rate and require you to reimburse them the higher premium.
• Auto insurance preserves not only your vehicle but also your financial assets. Insurance will pay for medical expenses incurred in an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if you are sued as the result of your driving. If your Chrysler gets damaged, your policy will cover the damage repairs after a deductible is paid.

The benefits of insuring your car are definitely more than the cost, especially with large liability claims. According to a survey of 1,000 drivers, the average driver is overpaying over $825 a year so it’s very important to do a rate comparison every year to be sure current rates are still competitive.

Chrysler PT Cruiser coverage analysis

The price information displayed next showcases different coverage prices for Chrysler PT Cruiser models. Having knowledge of how auto insurance premiums are determined is important to be able to make informed decisions when comparing rates.

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Hawaii minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-vehicle, and multi-policy. Estimates do not factor in the specific area where the vehicle is garaged which can change auto insurance rates noticeably.

An analysis of deductible level

One of the most common insurance questions is how high or low should comp and collision deductibles be. The rates shown below highlight the difference in cost of buying low and high comp and collision deductibles. The first set of rates uses a $100 deductible for comp and collision and the second set of rates uses a $1,000 deductible.

Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Hawaii minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Rate quotes do not factor in zip code location which can modify insurance rates substantially.

We can estimate from the data above that using a $100 deductible could cost the average driver approximately $22 more each month or $264 annually than selecting the higher $1,000 deductible. Because you would pay $900 more to file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally average more than 41 months between claim filings, you would most likely save money if you choose the higher deductible.

The example below shows how different deductible levels and can affect Chrysler PT Cruiser yearly insurance costs for different ages of insureds. The data assumes a single female driver, comprehensive and collision coverage, and no policy discounts are applied.

Insurance cost for men versus women

The illustration below illustrates the comparison of Chrysler PT Cruiser auto insurance rates for male and female drivers. The premiums assume no tickets, no at-fault accidents, full physical damage coverage, $100 deductibles, drivers are not married, and no additional discounts are factored in.

Do you need full coverage?

The diagram below visualizes the comparison of Chrysler PT Cruiser insurance prices with and without full coverage. The premiums are based on no violations or accidents, $100 deductibles, drivers are single, and no additional discounts are factored in.

When to drop comp and collision

There isn’t a written rule to eliminate full coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s assume your Chrysler PT Cruiser settlement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, you would only receive $7,000 after you pay the deductible. If you are paying over $700 annually for physical damage coverage, then it might be time to buy liability only.

There are some conditions where dropping physical damage coverage is not a good idea. If you haven’t satisfied your loan, you are required to maintain full coverage to protect the lienholder’s interest in the vehicle. Also, if you cannot afford to purchase a different vehicle if your current one is damaged, you should not remove full coverage.

Chrysler PT Cruiser insurance discounts in Honolulu

Auto insurance is neither fun to buy or cheap, but there’s a good chance there are discounts to cut the cost considerably. Certain discounts will be triggered automatically at quote time, but occasionally some discounts must be specially asked for before being credited.

• Homeowners Savings – Owning a house in Honolulu can save you money because it means you have a higher level of financial diligence.
• Savings for New Vehicles – Buying a new car instead of a used PT Cruiser can be considerably cheaper because newer vehicles keep occupants safer.
• Multi-car Discount – Drivers who insure all your vehicles on one policy could earn a price break for each car.
• Theft Deterrent System – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and earn discounts up to 10% off your Honolulu auto insurance quote.
• Air Bag Discount – Vehicles equipped with air bags or automatic seat belts may earn rate discounts as much as 30%.

Discounts lower rates, but many deductions do not apply to all coverage premiums. A few only apply to specific coverage prices like liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The example below illustrates the comparison of Chrysler PT Cruiser insurance rates with and without discounts. The data assumes a female driver, no claims or violations, Hawaii state minimum liability limits, comp and collision included, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, homeowner, multi-car, marriage, and multi-policy discounts applied.

Larger auto insurance companies and some of the discounts are:

• State Farm may offer discounts for defensive driving training, multiple policy, driver’s education, good student, and Drive Safe & Save.
• GEICO may include discounts for anti-lock brakes, seat belt use, driver training, multi-vehicle, federal employee, air bags, and anti-theft.
• Liberty Mutual offers premium reductions for newly married, hybrid vehicle, good student, multi-car, newly retired, exclusive group savings, and new vehicle discount.
• The Hartford discounts include anti-theft, bundle, vehicle fuel type, good student, and driver training.
• MetLife has savings for accident-free, multi-policy, claim-free, good student, good driver, and defensive driver.
• Progressive offers discounts for continuous coverage, online quote discount, online signing, multi-policy, good student, multi-vehicle, and homeowner.

If you want inexpensive Honolulu auto insurance quotes, ask every prospective company how you can save money. Some of the discounts discussed earlier may not apply to policies in your state. For a list of auto insurance companies who offer cheap Chrysler PT Cruiser insurance quotes in Honolulu, click here.

Different people need different auto insurance coverages

When selecting coverage online or from an agent, there really isn’t a one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help highlight if your situation might need professional guidance.

• Should I buy more coverage than the required Hawaii minimum liability coverage?
• When should I have rental car coverage?
• Do I have coverage when pulling a U-Haul trailer?
• Is my babysitter covered when using my vehicle?
• What exactly is covered by my policy?
• Is my Chrysler PT Cruiser covered if I use it for business?
• Can I drive in Mexico and have coverage?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form.