Chrysler PT Cruiser Insurance Quotes in San Francisco

It’s an obvious conclusion that car insurance companies don’t want you quoting rates from other companies. Insureds who get price comparisons are likely to switch companies because of the high probability of finding lower rate quotes. A recent auto insurance study revealed that people who compared rates regularly saved on average $3,400 over four years compared to drivers who never shopped around for lower prices.

If finding the lowest price for auto insurance in San Francisco is your objective, then learning a little about how to choose a company and compare insurance premiums can make shopping around easier.

Insurance rates Chrysler PT Cruiser in San FranciscoIf saving money is your primary concern, then the best way to find discount Chrysler PT Cruiser insurance is to annually compare prices from different companies who can sell car insurance in San Francisco.

First, read about auto insurance and the steps you can take to keep rates in check. Many rating criteria that cause rate increases such as getting speeding tickets and a less-than-favorable credit score can be eliminated by paying attention to minor details.

Second, compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can only give rate quotes from a single company like GEICO or Allstate, while independent agencies can give you price quotes for many different companies.

Third, compare the new quotes to your current policy premium and see if you can save money. If you can save money and decide to switch, verify that coverage does not lapse between policies.

Fourth, give proper notification to your current agent or company to cancel the current policy and submit a signed application and payment for your new coverage. Once the application is submitted, place your new certificate of insurance in a readily accessible location in your vehicle.

An important part of this process is to use the same liability limits and deductibles on every quote request and and to get prices from as many companies as feasibly possible. This guarantees a fair rate comparison and a good representation of prices.

Shopping for affordable coverage in San Francisco is not as hard as you may think. If you have insurance now or are looking for a new policy, you can use these tips to find better prices without reducing coverage. Vehicle owners just need to know the fastest way to get comparison quotes from many different companies.

All major insurance companies make it easy to get coverage prices directly from their websites. The process is easy for anyone because you just enter the coverage amounts you desire into a form. After you submit the form their rating system will obtain information on your driving record and credit history and returns a price quote based on these and other factors. Getting online price quotes for Chrysler PT Cruiser insurance in San Francisco helps simplify price comparisons, and it’s very important to have as many quotes as possible if you want to find the best rate possible.

To quickly get comparison pricing now, compare rates from the companies below. If you have your current policy handy, we recommend that you enter the coverage information identical to your current policy. This way, you will be getting an apples-to-apples comparison for similar insurance coverage.

The companies shown below have been selected to offer free quotes in California. If the list has multiple companies, we recommend you visit two to three different companies to get the lowest price.

Chrysler PT Cruiser insurance coverage information

The premium table displayed next highlights different insurance rates for Chrysler PT Cruiser models. Understanding more about how car insurance premiums are figured is important for making decisions on which coverage to buy.

Chrysler PT Cruiser Insurance Rates in San Francisco, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $158 $306 $424 $26 $128 $1,042 $87
PT Cruiser 2WD 4-Dr $158 $306 $424 $26 $128 $1,042 $87
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Rate information does not factor in specific location which can influence insurance rates significantly.

Physical damage deductible comparison

One of the most common auto insurance questions is how low should you set your deductibles. The comparisons below can help show the rate differences when you buy lower versus higher coverage deductibles. The first rate quote example uses a $250 deductible for comp and collision and the second price grid uses a $1,000 deductible.

Chrysler PT Cruiser insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $298 $472 $376 $22 $112 $1,305 $109
PT Cruiser 2WD 4-Dr $298 $472 $376 $22 $112 $1,305 $109
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Chrysler PT Cruiser insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
PT Cruiser 2WD 4-Dr $184 $298 $376 $22 $112 $992 $83
PT Cruiser 2WD 4-Dr $184 $298 $376 $22 $112 $992 $83
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in garaging location in San Francisco which can impact rates significantly.

We can estimate from the data above that using a $250 deductible costs approximately $26 more each month or $312 a year averaged for all PT Cruiser models than quoting the higher $1,000 deductible. Due to the fact that you would have to pay $750 more to settle a claim with a $1,000 deductible as compared to a $250 deductible, if you average at least 29 months between claims, you would probably be better off if you decide on a higher deductible.

Auto insurance rates by age and gender in San Francisco

The example below compares Chrysler PT Cruiser annual premium costs for male and female drivers. The data assumes no accidents, no driving violations, full coverage, $250 deductibles, drivers are single, and no other discounts are factored in.

Full coverage or liability only

The information below compares Chrysler PT Cruiser yearly insurance costs when comparing full coverage to liability only. The prices are based on no violations or claims, $500 deductibles, drivers are single, and no discounts are applied.

Deciding between full coverage and liability only

There is no exact formula for dropping full coverage, but there is a general convention. If the annual cost of coverage is 10% or more 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 assume your Chrysler PT Cruiser settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is destroyed, the most your company would pay you is $8,000 after paying your policy deductible. If it’s costing in excess of $800 annually for full coverage, then you may want to consider only buying liability coverage.

There are some circumstances where dropping full coverage is not recommended. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your savings is not enough to buy a different vehicle if your current one is totaled, you should not opt for liability only.

Protect your vehicle and other assets

Despite the potentially high cost of Chrysler PT Cruiser insurance, insurance may be required and benefits you in several ways.

First, most states have minimum liability requirements which means the state requires a specific minimum amount of liability in order to get the vehicle licensed. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a lien on your car, it’s most likely the lender will stipulate that you buy full coverage to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank may insure your Chrysler at a more expensive rate and force you to pay much more than you were paying before.

Third, car insurance protects not only your vehicle but also your financial assets. It will also provide coverage for all forms of medical expenses for you, any passengers, and anyone injured in an accident. One policy coverage, liability insurance, also covers all legal expenses up to the policy limit if you are sued as the result of your driving. If mother nature or an accident damages your car, your policy will pay to repair the damage.

The benefits of buying enough insurance definitely exceed the cost, especially if you ever need it. Today the average American driver is overpaying over $810 a year so compare rate quotes at every renewal to make sure the price is not too high.

Learn How to Lower Your Insurance Prices

The best way to find cheaper car insurance is to take a look at the different types of things that go into determining your policy premiums. When consumers understand what positively or negatively impacts your premiums, this enables you to make decisions that will entitle you to lower rates.

The factors shown below are some of the major factors car insurance companies consider when setting your rates.

Teen drivers pay higher premiums – Teen drivers in California are statistically shown to be inattentive behind the wheel so they pay higher car insurance rates. If you’ve ever had to add a teen driver to your policy can break the bank. More mature drivers tend to be more responsible, file fewer claims, and tend to be get fewer driving tickets.

The data below assumes a single driver, full coverage with $1000 deductibles, and no discounts or violations.

Drive less and save – Driving a lot of miles in a year the more you’ll pay to insure your vehicle. The majority of insurers apply a rate based on their usage. Cars and trucks that have low annual miles cost less to insure as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your car insurance policy states the proper vehicle usage, because improper ratings can cost you money. A policy that improperly rates your PT Cruiser may be wasting your money.

If you don’t need it don’t buy it – Policies have extra coverages that you can get tricked into buying on your PT Cruiser policy. Things like vanishing deductibles, high-cost glass coverage, and motor club memberships are examples of these. They may sound like good ideas when discussing your needs, but if you’ve never needed them in the past remove them and pocket the money.

Driving citations drive up prices – Attentive drivers pay lower auto insurance prices as compared to those with violations. Having a single chargeable violation could increase your next policy renewal by as much as thirty percent. Drivers who have dangerous violations like DWI, reckless driving or hit and run convictions may face state-mandated requirements to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to legally drive.

The example below demonstrates how speeding tickets and fender-benders raise Chrysler PT Cruiser auto insurance rates for different age groups. The information is based on a single female driver, comp and collision included, $100 deductibles, and no policy discounts are applied.

Married drivers get cheaper premiums – Your spouse may earn you lower rates when buying car insurance. Having a significant other may mean you are more responsible and insurance companies like that drivers who are married file infrequent claims.

Adjust physical damage deductibles and save – Deductibles for physical damage define the amount you are required to pay if a claim is determined to be covered. Physical damage coverage, termed comprehensive and collision coverage on your policy, insures against damage to your car. A few examples of covered claims are a windshield broken by a bird, hail damage, or theft of your vehicle. The more expense you’re willing to pay, the less your company will charge you for insurance.

Discounts for cheap insurance rates

Some insurance providers do not advertise every possible discount very clearly, so we took the time to find some of the best known and the harder-to-find discounts that may be available.Save money with discounts

Don’t be shocked that many deductions do not apply to the overall cost of the policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

The chart below shows the comparison of Chrysler PT Cruiser insurance costs with and without discounts applied to the premium. Data assumes a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, safe-driver, multi-car, homeowner, marriage, and claim-free discounts applied.

To view insurance companies with the best Chrysler PT Cruiser insurance discounts in San Francisco in California, click here to view.

Compare rate quotes but work with a neighborhood San Francisco auto insurance agent

Some people still like to visit with an insurance agent. Good agents can help determine the best coverages and give you someone to call. One of the benefits of price shopping on the web is the fact that you can find cheaper premium rates and still buy from a local agent. Supporting local agencies is important especially in San Francisco.

For easy comparison, once you complete this simple form, your insurance coverage information gets sent to agents in your area that can provide free San Francisco auto insurance quotes for your auto insurance coverage. It simplifies rate comparisons since you won’t have to find an agent as quotes are delivered to the email address you provide. If you need to get a price quote from a particular provider, don’t hesitate to find their quoting web page and submit a quote form there.

If you prefer to buy auto insurance from an insurance agent, you must know there are a couple different types of agencies and how they operate. Auto insurance agents in San Francisco can be described as either independent or exclusive depending on the company they work for. Both types of agents can write policy coverage, but it’s worth mentioning how they differ since it may influence the selection process.

Independent Auto Insurance Agents

Independent agents are not employed by any specific company so they can insure your vehicles with multiple insurance companies enabling the ability to shop coverage around. If they find a cheaper price, they can switch companies in-house which requires no work on your part. If you need cheaper auto insurance rates, you will want to compare prices from a few independent agents to maximize your price options.

Below is a short list of independent insurance agencies in San Francisco that may be able to give you competitive price quotes.

1714 Stockton St #417San Francisco, CA 94133(415) 753-1936View Map

Primeras Insurance Agency
3339 23rd StSan Francisco, CA 94108(415) 829-7312View Map

329 Bryant StSan Francisco, CA 94107(415) 371-1398View Map

More insurance agents

Exclusive Insurance Agencies

These agents can only provide one company’s prices and examples are American Family, State Farm, and AAA. They are unable to provide other company’s prices so they have no alternatives for high prices. Exclusive agencies are well trained on their company’s products which helps them sell insurance even at higher premiums.

Shown below is a list of exclusive insurance agents in San Francisco willing to provide rate quotes.

870 Market St #440San Francisco, CA 94102(415) 982-9900View Map

Cliff Young – State Farm Insurance Agent
1636 Irving St aSan Francisco, CA 94122(415) 665-5118View Map

5214 Diamond Heights Blvd iSan Francisco, CA 94131(415) 282-5558View Map

More insurance agents

Finding the right auto insurance agent needs to be determined by more than just a cheap quote. Any agent in San Francisco should have no problem answering these questions:

Auto insurance savings summarized

Affordable Chrysler PT Cruiser insurance in San Francisco is available both online and from local agencies, so you should be comparing quotes from both to have the best rate selection. Some insurance providers may not have the ability to get quotes online and many times these regional carriers only sell coverage through independent insurance agencies.

When getting San Francisco auto insurance quotes online, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, an accident victim reduced full coverage and learned later they didn’t purchase enough coverage. The ultimate goal is to get the best coverage possible at the best price while still protecting your assets.

Additional information is available at the links below