Would you like to find low-cost insurance rates in Austin, TX? Austin buyers have many options when searching for the best price on Chrysler PT Cruiser insurance. You can either waste hours driving around getting price quotes or utilize the internet to compare rates.
There are more efficient ways to compare insurance rates so we’re going to tell you the absolute fastest way to get price quotes on a Chrysler and obtain the cheapest rates from both online companies and Austin agents.
Cheapest companies for Chrysler PT Cruiser insurance
The car insurance companies shown below provide free quotes in Austin, TX. If several companies are displayed, we suggest you visit as many as you can to get the best price comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| PT Cruiser 2WD 4-Dr | $238 | $328 | $424 | $26 | $128 | $1,144 | $95 |
| PT Cruiser 2WD 4-Dr | $260 | $448 | $334 | $20 | $100 | $1,162 | $97 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, multi-policy, and safe-driver. Premium amounts do not factor in specific garaging location which can change auto insurance rates substantially.
Higher deductibles lower rates
The hardest decision when buying coverage is how high should the physical damage coverage deductibles be. The premium rates below may aid in understanding the price difference between low and high comp and collision deductibles. The first data table uses a $250 comprehensive and collision deductible and the second price table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| PT Cruiser 2WD 4-Dr | $256 | $408 | $324 | $20 | $96 | $1,129 | $94 |
| PT Cruiser 2WD 4-Dr | $256 | $408 | $324 | $20 | $96 | $1,129 | $94 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| PT Cruiser 2WD 4-Dr | $158 | $256 | $324 | $20 | $96 | $854 | $71 |
| PT Cruiser 2WD 4-Dr | $158 | $256 | $324 | $20 | $96 | $854 | $71 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Price estimates do not factor in specific garaging location which can raise or lower coverage prices noticeably.
Based on these figures, using a $250 deductible will cost you roughly $23 more each month or $276 every year than opting for 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 normally go at least 33 months between claim filings, you would more than likely save some money if you decide on a higher deductible. The numbers below show how you can do this calculation yourself.
| Average monthly premium for $250 deductibles: | $94 |
| Average monthly premium for $1,000 deductibles (subtract): | – $71 |
| Monthly savings from raising deductible: | $23 |
| Difference between deductibles ($1,000 – $250): | $750 |
| Divide difference by monthly savings: | $750 / $23 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 33 months |
An important sidenote is that a higher deductible level results in having to pay to pay more out-of-pocket when you file a claim. You need some savings in the bank in order to pay the deductible.
Companies offer lots of discounts on Chrysler PT Cruiser insurance in Austin
Car insurance companies do not list all their discounts in an easy-to-find place, so we break down both the well known and the harder-to-find discounts that you can inquire about if you buy Austin auto insurance online.
- Pay Early and Save – If paying your policy premium upfront rather than paying in monthly installments you could save up to 5%.
- Passive Restraints and Air Bags – Vehicles equipped with air bags could see savings up to 30%.
- Theft Deterrent – Anti-theft and alarm system equipped vehicles prevent vehicle theft and will save you 10% or more on PT Cruiser insurance in Austin.
- Drivers Ed for Students – Require your teen driver to complete a driver education course as it will make them better drivers and lower rates.
- Organization Discounts – Participating in specific professional or occupational memberships or organizations could trigger savings on car insurance.
- Employee of Federal Government – Simply working for the federal government could cut as much as 10% off with select insurance companies.
It’s important to note that most discounts do not apply to the entire policy premium. Some only apply to specific coverage prices like comprehensive or collision. So when it seems like it’s possible to get free car insurance, car insurance companies aren’t that generous.
Popular car insurance companies and some of the premium reductions they offer are detailed below.
- State Farm offers discounts including passive restraint, safe vehicle, good driver, Drive Safe & Save, and good student.
- GEICO includes discounts for membership and employees, federal employee, air bags, good student, and driver training.
- SAFECO offers premium reductions for safe driver, teen safe driver, multi-car, anti-lock brakes, homeowner, and anti-theft.
- Farmers Insurance offers discounts for teen driver, multi-car, business and professional, homeowner, and pay in full.
- AAA may offer discounts for education and occupation, AAA membership discount, anti-theft, good student, multi-policy, and good driver.
- USAA may have discounts that include multi-policy, good student, loyalty savings, defensive driver, family discount, vehicle storage, and military installation.
When getting free Austin auto insurance quotes, it’s a good idea to all companies you are considering the best way to save money. Some of the earlier mentioned discounts might not be offered in Austin. To choose insurers who offer free Chrysler PT Cruiser insurance quotes in Austin, click here.
Will just any policy work for me?
When it comes to buying your policy, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions can aid in determining whether your personal situation would benefit from professional advice.
- Should I put collision coverage on all my vehicles?
- When would I need additional glass coverage?
- Are my friends covered when driving my Chrysler PT Cruiser?
- How many claims can I have before being canceled?
- What exactly is covered by my policy?
- Does my Chrysler PT Cruiser need full coverage?
- Is coverage enough to protect my assets?
If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.
You may need help from an agent
Some consumers would prefer to visit with an insurance agent. Experienced insurance agents can help determine the best coverages and help you file claims. A nice benefit of getting free rate quotes online is you may find the best rates and still have an agent to talk to. Supporting neighborhood agents is important especially in Austin.
To help locate an agent, after submitting this short form, your information is immediately sent to agents in your area who will give you bids to get your business. There is no reason to search for an agent since rate quotes are delivered to you. If you want to get a comparison quote from a specific insurance provider, just visit that company’s website and fill out the quote form the provide.
What types of auto insurance agents are in Austin?
When narrowing the list to find a local agent, it helps to know the two types of insurance agents to choose from. Insurance policy providers are considered either exclusive or independent agents depending on their company appointments. Either one can write policy coverage, but it is important to understand how they are different because it can influence buying decisions.
Independent Agents (or Brokers)
Agents of this type are appointed with more than one company so they have the ability to put coverage with an assortment of companies and find the cheapest rate. If your premiums go up, an independent agent can move your coverage without you having to go to a different agency. If you need cheaper insurance rates, you absolutely need to compare prices from a few independent agents to get the best comparison. Most can insure with companies that do not advertise much who may have lower rates.
The following is a small list of independent insurance agents in Austin that may be able to provide cheap rate quotes.
- Danback Insurance Agency
8312 Burnet Rd #115 – Austin, TX 78757 – (512) 454-4567 – View Map - TY Lawrence Insurance Agency
2802 Flintrock Trace b101 – Austin, TX 78738 – (512) 732-2353 – View Map - Higginbotham/William Gammon Insurance
1221 S MoPac Expy – Austin, TX 78746 – (512) 477-6745 – View Map
Exclusive Agents
Exclusive agencies can only provide one company’s prices such as Farmers Insurance, Allstate, or State Farm. They usually cannot shop your coverage around so they are skilled at selling on more than just price. Exclusive agencies are usually quite knowledgeable on the products they sell which helps them sell on service rather than price. Consumers sometimes buy insurance from these agents primarily because of loyalty to the company instead of buying on price only.
Below is a list of exclusive insurance agencies in Austin that are able to give price quotes.
- Allstate Insurance: Homero Escobar
730 W Stassney Ln Ste 230 – Austin, TX 78745 – (512) 443-9598 – View Map - Larry Evins – State Farm Insurance Agent
4534 West Gate Blvd #202 – Austin, TX 78745 – (512) 327-0303 – View Map - Allstate Insurance: Cheri Roman
8103 Brodie Ln Ste 7 – Austin, TX 78745 – (512) 282-9999 – View Map
Choosing an auto insurance agent requires more thought than just a cheap price quote. These are some questions you should get answers to.
- Are they involved in claim handling?
- Do they carry Errors and Omissions coverage?
- Is working in the agency their full-time job?
- Will high miles depreciate repair valuations?
- If you have an accident, will your rates go up?
- Do they get paid more for recommending certain coverages?
- In the event of vehicle damage, can you pick the collision repair facility?
- Is coverage determined by price?
Upon receiving acceptable answers to any questions you may have and a good coverage price, you have narrowed it down to an insurance agency that is reliable enough to adequately provide insurance.
Buyer beware of insurance advertising tricks
Texas drivers can’t ignore all the ads for the lowest price insurance from companies such as State Farm, GEICO and Progressive. They all make the point that drivers can save some big amount if you move your insurance policy to them.
But how can every company sell you cheaper insurance coverage? It’s all in the numbers.
All companies can use profiling for the type of customer they prefer to insure. For example, this type of driver may be between 25 and 40, has no driving citations, and does not commute to work. Anybody that meets those criteria is entitled to the best price and as a result will probably save a lot on Austin Chrysler PT Cruiser insurance if they switch.
Drivers who cannot meet this ideal profile may receive higher premium rates and this results in the driver buying from a lower-cost company. The wording the ads use say “people who switch” not “all people who quote” save money. That’s why companies can make claims like that.
This emphasizes why drivers must do a quote comparison often. You cannot predict the company that will be your best fit.
Cheap insurance premiums are possible
We’ve covered many ideas to shop for Chrysler PT Cruiser insurance online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest priced insurance comes from a small mutual company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.
When you buy Austin auto insurance online, it’s very important that you do not buy poor coverage just to save money. In many cases, an accident victim reduced full coverage only to regret that the savings was not a smart move. Your objective should be to buy a smart amount of coverage at the best price while not skimping on critical coverages.
More information can be read on the following sites:
- What does Personal Injury Protection (PIP) Cover? (Allstate)
- What Auto Insurance is Cheapest for Seniors in Austin? (FAQ)
- Who Has Cheap Austin Car Insurance Rates for Uninsured Drivers? (FAQ)
- Who Has Affordable Austin Car Insurance Rates for Teenage Males? (FAQ)
- Who Has Affordable Austin Auto Insurance Quotes for Active Military? (FAQ)
- Driving in Bad Weather (Insurance Information Institute)
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)