Do you want to save money by buying more competitive Chrysler PT Cruiser insurance in Sacramento? Confused by the sheer number of car insurance sources available to you? California people have so many sources to choose from that it can really be a difficult challenge to find better rates for Chrysler PT Cruiser insurance in Sacramento. Everyone knows Sacramento is the perfect city to reside in, but getting gouged by high car insurance rates makes it impossible to affordably insure vehicles.
A recent NerdWallet.com study revealed that a large majority of car insurance policyholders kept their coverage with the same car insurance company for at least the last four years, and 38% of drivers have never compared rates with other companies. Drivers in California could cut their rates by about $470 a year, but most undervalue the large savings they would see if they bought a different policy.
Cheapest Chrysler insurance rate quotes in Sacramento
The companies shown below can provide price quotes in Sacramento, CA. If multiple companies are listed, we recommend you compare several of them in order to find the cheapest rates.
Chrysler PT Cruiser detailed coverage information
The coverage table shown next covers a range of insurance costs for Chrysler PT Cruiser models. Learning as much as possible about how insurance policy premiums are established is important for you to make smart choices when buying a policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| PT Cruiser 2WD 4-Dr | $330 | $582 | $508 | $30 | $152 | $1,602 | $134 |
| PT Cruiser 2WD 4-Dr | $330 | $582 | $508 | $30 | $152 | $1,602 | $134 |
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Premium data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Estimates do not factor in Sacramento location which can affect premium rates greatly.
Higher deductibles save money
One frequently asked question is which comprehensive and collision deductibles to buy. The comparisons below approximate the price difference when you choose different insurance deductibles. The first set of prices uses a $250 deductible for physical damage and the second data table uses a $1,000 deductible.
| 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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| 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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Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Premium costs do not factor in Sacramento location which can raise or lower insurance rates significantly.
Using the premium rates above, we can conclude that using a $250 deductible costs approximately $26 more each month or $312 a year across all Chrysler PT Cruiser models than buying the higher $1,000 deductible. Because you would be required to pay $750 more out of your own pocket with a $1,000 deductible as compared to a $250 deductible, if you tend to average at a minimum 29 months between claims, you would come out ahead going with the higher deductible. Here is how this decision is made.
| Average monthly premium for $250 deductibles: | $109 |
| Average monthly premium for $1,000 deductibles (subtract): | – $83 |
| Monthly savings from raising deductible: | $26 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $26 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 29 months |
One thing to be aware of is that raising deductibles to save money means you pay more out-of-pocket when you have to file a claim. That will require some funds available in the event you have to pay more to get your vehicle repaired.
Does it make sense to buy full coverage?
The example below illustrates the comparison of Chrysler PT Cruiser auto insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in California. The price estimates are based on no accidents, no driving violations, $500 deductibles, drivers are single, and no discounts are factored in.
When to drop full coverage
There is no clear-cut formula of when to phase out comp and collision coverage, but there is a broad guideline. If the annual cost of having full coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Chrysler PT Cruiser claim settlement value is $4,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most you would receive is $3,000 after you pay the deductible. If you are paying more than $300 a year for full coverage, then it’s probably a good time to buy liability coverage only.
There are some circumstances where buying only liability insurance is not a good plan. If you have an outstanding loan on your vehicle, you are required to maintain full coverage in order to satisfy the requirements of the loan. Also, if your emergency fund is not enough to purchase a different vehicle if your current one is totaled, you should not eliminate full coverage.
Lower rates by qualifying for discounts
Some insurers don’t list every policy discount very well, so we researched both well-publicized and also the more inconspicuous ways to save on auto insurance. If you do not double check each discount you deserve, you are paying more than you should be.
- Home Ownership Discount – Owning a home in Sacramento can save you money because of the fact that having a home shows financial diligence.
- Anti-lock Brake Discount – Cars, trucks, and SUVs with anti-lock braking systems can reduce accidents and will save you 10% or more on PT Cruiser insurance in Sacramento.
- Low Miles Discount – Maintaining low annual mileage can qualify you for lower rates on the low mileage vehicles.
- Organization Discounts – Participating in a qualifying organization could qualify you for a break when getting a Sacramento car insurance quote.
- Good Driver Discount – Insureds who avoid accidents can get discounts for up to 45% lower rates than drivers with accident claims.
- Accident Forgiveness – This isn’t a discount exactly, but a few companies such as GEICO, Progressive, and Allstate will turn a blind eye to one accident without the usual rate increase as long as you don’t have any claims for a particular time prior to the accident.
- Passive Restraint Discount – Cars that have air bags or motorized seat belts can qualify for discounts of 25 to 30%.
- Defensive Driver Discounts – Successfully completing a course that instructs on driving safety is a good idea and can lower rates depending on where you live.
- Accident-Free Discounts – Insureds who avoid accidents and claims are rewarded with significantly better rates on Sacramento car insurance quote as compared to insureds who have frequent claims or accidents.
Please keep in mind that most credits do not apply to all coverage premiums. Most only reduce individual premiums such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.
The chart below illustrates the comparison of Chrysler PT Cruiser yearly insurance costs with and without discounts being applied to the rates. The premiums are based on a female driver, no claims or driving violations, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, safe-driver, claim-free, homeowner, and multi-car discounts applied.
Companies that possibly offer most of the discounts above include:
Before purchasing a policy, check with each insurance company which discounts can lower your rates. Some credits may not be offered in Sacramento. To see providers that can offer you the previously mentioned discounts in California, click here to view.
How Your PT Cruiser Insurance Rates are Determined
A large part of saving on insurance is knowing the factors that play a part in calculating insurance rates. If you have a feel for what influences your rates, this empowers consumers to make smart changes that could help you find lower premium levels. Many different elements are part of the equation when pricing auto insurance. Some are obvious like an MVR report, but some are not quite as obvious such as your marital status and annual miles driven.
The items below are some of the factors insurance companies consider when setting premiums.
- Stay claim-free and save money – If you file a lot of claims you can expect either policy cancellation or increased premiums. Car insurance companies in California award lower rates to people who do not rely on their insurance for small claims. Your insurance policy is intended for claims that you cannot pay yourself.
- Cheaper rates by combining – Most insurance companies apply lower prices to customers who carry more than one policy. It’s known as a multi-policy discount. Even with this discount applied, it’s still a good idea to get quotes from other companies to make sure you are getting the best deal.
- Do you have enough liability insurance? – Your policy’s liability coverage is the protection if you are responsible for personal injury or accident damage. It will provide you with a defense in court which can cost thousands of dollars. Liability insurance is pretty cheap compared to insuring for physical damage coverage, so drivers should buy more than the minimum limits required by law.
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Males tend to take more risk – Statistics demonstrate that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Both genders have auto accidents at about the same rate, but the male of the species tend to have more serious accidents. Men also receive more costly citations such as DWI and reckless driving.
The diagram below compares Chrysler PT Cruiser insurance premiums for male and female drivers. The costs are based on no claims or driving citations, comprehensive and collision coverage, $250 deductibles, single status, and no policy discounts are applied.
- Small coverages can add up – Insurance companies have many additional extra coverages that sound like a good idea at the time if you don’t pay attention. Insurance for vanishing deductibles, accidental death, and Farm Bureau memberships may be costing you every month. These coverages may sound good at first, but now you might not need them so remove them from your policy.
- High credit rating translates to low rates – Credit score will be a significant factor in determining what you pay for insurance. Insureds that have good credit tend to be less risk to insure than those with poor credit. Therefore, if your credit score is low, you may save money insuring your Chrysler PT Cruiser by improving your credit score.
- Where you live can impact prices – Having an address in areas with lower population is a good thing when shopping for auto insurance. City drivers regularly have more aggressive driving styles and more time behind the wheel. Lower population means a lower chance of having an accident in addition to lower liability claims.
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Pay more for higher performance vehicles – The make and model of the car, truck or SUV you own makes a huge difference in your rates. The most favorable rates tend to be for smaller low performance passenger cars, but the final cost of insurance is determined by many other factors.
The data below assumes a married female driver age 20, full coverage with $1000 deductibles, and no discounts or violations. It compares Chrysler PT Cruiser insurance rates compared to other models of vehicles that have different performances.
Insurance agents can find coverage gaps
Certain consumers would prefer to visit with an insurance agent and that is a personal choice. The best thing about price shopping on the web is that you can obtain cheap car insurance rates but also keep your business local. Buying from local insurance agencies is still important in Sacramento.
For easy comparison, once you complete this quick form, the quote information is immediately sent to companies in Sacramento who can give free rate quotes for your insurance coverage. It’s much easier because you don’t need to do any legwork because quoted prices will be sent immediately to you. You can find better rates and a licensed agent to work with. If for some reason you want to compare prices from a specific company, feel free to search and find their rate quote page and give them your coverage information.
When researching local Sacramento agents, it’s important to understand the types of agencies and how they function. Agents in Sacramento may be either exclusive or independent agents depending on their company appointments.
Independent Agents
Agents of this type are not locked into one company so they can insure your vehicles through lots of different companies and potentially find a lower price. To move your coverage to a new company, your policy is moved internally which makes it simple for you.
When shopping rates, you absolutely need to get several quotes from several independent insurance agents so that you can do a thorough price comparison. They often place coverage with companies you’ve never heard of that may have much lower rates than larger companies.
Featured below is a partial list of independent insurance agencies in Sacramento who can help you get comparison quotes.
- Bates Insurance Agency | Auto Insurance and Homeowners Insurance and Car Insurance
2306 J St – Sacramento, CA 95816 – (916) 251-3548 – View Map - Foster and Parker Insurance Agency
2020 Hurley Way – Sacramento, CA 95825 – (916) 481-0689 – View Map - Nationwide Insurance: Rielli Insurance and Financial Services LLC
7 Parkcenter Dr #125 – Sacramento, CA 95825 – (916) 234-1490 – View Map
Exclusive Car Insurance Agencies
These agents have only one company to place business with like State Farm, Allstate and AAA. Exclusive agencies are unable to provide rate quotes from other companies so you might not find the best rates. Exclusive agents are very knowledgeable on the products they sell which helps offset the inability to provide other markets. Consumers sometimes buy insurance from these agents mainly due to the brand name and solid financial strength.
Listed below is a list of exclusive insurance agencies in Sacramento willing to provide price quotes.
- Trevor Fong – State Farm Insurance Agent
7485 Rush River Dr #715 – Sacramento, CA 95831 – (916) 392-1240 – View Map - Ken Perry – State Farm Insurance Agent
2724 24th St #200 – Sacramento, CA 95818 – (916) 452-6668 – View Map - Darryl Fong – State Farm Insurance Agent
8489 Folsom Blvd – Sacramento, CA 95826 – (916) 388-1900 – View Map
Choosing a insurance agency requires you to look at more than just a cheap price quote. Any agent in Sacramento should have no problem answering these questions:
- Will high miles depreciate repair valuations?
- Which companies can they place coverage with?
- Do they regularly work with personal auto policies in Sacramento?
- Are they full-time agents?
- How does the company pay claims for a total loss?
- How much training do they have in personal risk management?
You can lower your car insurance rates
Insureds leave their current company for a number of reasons such as delays in paying claims, policy non-renewal, policy cancellation or even high rates after DUI convictions. No matter why you want to switch, finding a new company can be easy and end up saving you some money.
In this article, we covered a lot of techniques to compare Chrysler PT Cruiser insurance auto insurance rates in Sacramento. The key concept to understand is the more times you quote, the better chance you’ll have of finding low cost Sacramento car insurance quotes. You may even be surprised to find that the biggest savings come from some of the lesser-known companies.
Some insurance providers do not provide internet price quotes and many times these regional insurance providers work with independent insurance agents. Cheap Chrysler PT Cruiser insurance in Sacramento can be found from both online companies as well as from independent agents in Sacramento, and you should compare price quotes from both to get a complete price analysis.
Steps to finding low-cost rates for Chrysler PT Cruiser insurance in Sacramento
The most effective way to get affordable Chrysler PT Cruiser insurance in Sacramento is to start comparing rates regularly from different companies who sell auto insurance in California.
- Step 1: Take a few minutes and learn about what is in your policy and the measures you can take to drop your rates. Many policy risk factors that cause high rates like high-risk driving behaviors and an imperfect credit rating can be remedied by making lifestyle changes or driving safer.
- Step 2: Compare prices from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can give quotes from a single company like Progressive or State Farm, while agents who are independent can quote rates for a wide range of insurance providers.
- Step 3: Compare the new rate quotes to the price on your current policy to determine if you can save on PT Cruiser insurance in Sacramento. If you can save some money, verify that coverage does not lapse between policies.
- Step 4: Give notification to your agent or company to cancel your current car insurance policy. Submit a down payment along with a signed application for the new policy. Don’t forget to put the new certificate verifying coverage with your registration paperwork.
An important bit of advice to remember is that you’ll want to compare identical coverage information on every quote request and and to look at as many car insurance companies as possible. Doing this enables the most accurate price comparison and maximum price selection.
Additional information can be found at the links below
- Vehicle Size and Weight FAQ (iihs.org)
- Who Has the Cheapest Auto Insurance Rates for Retired Military in Sacramento? (FAQ)
- Who Has the Cheapest Auto Insurance for a Dodge Grand Caravan in Sacramento? (FAQ)
- Who Has Affordable Sacramento Auto Insurance Quotes for Veterans? (FAQ)
- Who Has Cheap Sacramento Auto Insurance Rates for a Learners Permit? (FAQ)
- Information for Teen Drivers (GEICO)
- Air Bags: Potential Dangers to Your Children (Insurance Information Institute)
- Distracted Driving Statistics (Insurance Information Institute)