Car Insurance Quotes for a Chrysler PT Cruiser in Omaha

How long has it been since you compared quotes for more competitive Chrysler PT Cruiser insurance in Omaha? Sick and tired of not being able to afford to make your insurance payment? You have the same problem as millions of other vehicle owners.

We don’t have to point out that fact that car insurance companies want to keep your business as long as possible. Drivers who compare price quotes are likely to switch companies because they stand a good chance of finding a policy with better rates. A recent insurance study discovered that consumers who compared rates annually saved $3,500 over four years compared to policyholders who never shopped around for cheaper prices.

If saving money on car insurance in Omaha is your target objective, understanding how to get rate quotes and compare insurance coverage can make the process less intimidating.

You have multiple auto insurance companies to buy insurance from, and though it is a good thing to have multiple companies, too many choices makes it more difficult to get the best deal for Chrysler PT Cruiser insurance in Omaha.

You need to compare rates at least once a year because prices are usually higher with each renewal. If you had the lowest rate on Chrysler PT Cruiser insurance in Omaha six months ago you can probably find a better premium rate now. There is a lot of bad information regarding PT Cruiser insurance on the web, but we’re going to give you the best ways to find cheap insurance in Omaha.

Affordable Omaha Chrysler PT Cruiser insurance price quotes

Just keep in mind that comparing a wide range of rates gives you a better chance of getting more affordable rates. Some smaller insurers do not give online rate quotes, so it’s important to compare price estimates from them, too.

The companies shown below are ready to provide comparison quotes in Nebraska. In order to find the best cheap car insurance in Nebraska, it’s highly recommended you visit several of them in order to get a fair rate comparison.

Buying the right vehicle insurance in Nebraska is an important decision

Even though it’s not necessarily cheap to insure a Chrysler in Omaha, insurance may not be optional for several reasons.

• Almost all states have mandatory liability insurance requirements which means it is punishable by state law to not carry a minimum amount of liability insurance in order to be legal. In Nebraska these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If your PT Cruiser has a loan, more than likely the lender will have a requirement that you have insurance to ensure loan repayment if the vehicle is totaled. If you do not keep the policy in force, the bank may buy a policy for your Chrysler at a significantly higher premium and make you pay for it.
• Insurance protects your Chrysler PT Cruiser and your assets. Insurance will also pay for hospital and medical expenses incurred in an accident. As part of your policy, liability insurance will also pay attorney fees if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, collision and comprehensive coverages will cover the repair costs.

The benefits of insuring your car are definitely more than the cost, particularly when you have a large claim. The average driver in America overpays as much as $825 a year so you should quote and compare rates every year to help ensure money is not being wasted.

Chrysler PT Cruiser coverage analysis

The price information displayed next showcases different coverage costs for Chrysler PT Cruiser models. Learning a little about how car insurance premiums are determined can be useful when making informed purchases.

Premium data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nebraska minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, homeowner, and claim-free. Rates do not factor in specific location information which can affect insurance rates significantly.

Car insurance deductibles

One frequently asked question is how high should the physical damage deductibles be. The comparisons below sum up how much more you’ll pay between high and low physical damage coverage deductibles. The first rate comparisons uses a $250 comprehensive and collision deductible and the second price grid uses a $500 deductible.

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Nebraska minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in your specific Omaha location which can raise or lower rates noticeably.

Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $10 more each month or $120 each year averaged for all PT Cruiser models than quoting the higher $500 deductible. Because you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average at least 25 months between claims, you would save money going with the higher deductible.

The example below shows how choosing a deductible and can affect Chrysler PT Cruiser yearly insurance costs for each age group. The premium estimates are based on a married male driver, full coverage, and no policy discounts are applied.

Do you need full coverage?

The information below visualizes the comparison of Chrysler PT Cruiser auto insurance costs when comparing full coverage to state minimum liability only. The data is based on no claims, a clean driving record, $100 deductibles, drivers are not married, and no discounts are factored in.

Are you wasting money paying for full coverage?

There is no written rule of when to stop paying for full coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is more than around 10% of the replacement cost of your vehicle minus the policy deductible, then you might want to consider buying only liability coverage.

For example, let’s pretend your Chrysler PT Cruiser claim settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most you would get paid by your company is $3,000 after paying your deductible. If you are paying more than $300 a year for full coverage, then you might want to consider buying only liability coverage.

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

Get cheaper Chrysler PT Cruiser insurance rates in Omaha

Companies that sell car insurance don’t always list all possible discounts very clearly, so the list below gives a summary of a few of the more well known and the harder-to-find credits available to you.

• Multi-Vehicle Discounts – Having primary and secondary vehicles on the same insurance policy can get a discount for every vehicle.
• Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.
• Omaha Homeowners Discount – Being a homeowner can save you money due to the fact that maintaining a home requires a higher level of personal finance.
• Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
• Waiver for an Accident – This one is not really a discount per se, but certain companies will forgive one accident without getting socked with a rate hike if you have no claims prior to being involved in the accident.
• Cautious Driver Discount – Insureds who avoid accidents can pay as much as 50% less compared to accident prone drivers.
• Defensive Driver – Successfully completing a defensive driver course could possibly earn you a 5% discount and make you a better driver.
• Driver Education Discount – Teen drivers should successfully take a driver’s education course as it will make them better drivers and lower rates.

Don’t be surprised that most of the big mark downs will not be given to the entire cost. Most only cut individual premiums such as comp or med pay. So even though it sounds like you can get free auto insurance, insurance companies wouldn’t stay in business.

The information below illustrates the difference between Chrysler PT Cruiser insurance costs with and without discounts applied to the premium. The information is based on a male driver, no accidents or driving violations, Nebraska state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with claim-free, safe-driver, multi-car, homeowner, marriage, and multi-policy discounts applied.

Companies and a selection of discounts include:

• Farmers Insurance may offer discounts for alternative fuel, bundle discounts, good student, business and professional, homeowner, and teen driver.
• State Farm policyholders can earn discounts including student away at school, safe vehicle, anti-theft, good driver, accident-free, and good student.
• Liberty Mutual offers discounts including good student, multi-policy, new graduate, teen driver discount, and exclusive group savings.
• MetLife may have discounts that include good student, good driver, defensive driver, multi-policy, accident-free, and claim-free.
• Progressive includes discounts for homeowner, online quote discount, continuous coverage, online signing, good student, and multi-policy.

Before you buy a policy, ask every company the best way to save money. Some discounts may not apply to policies in Omaha. If you would like to view providers with the best Chrysler PT Cruiser insurance discounts in Nebraska, click here.