Cheap Insurance for a Chrysler PT Cruiser in Oklahoma City

Truthfully, the best way to find the cheapest price for Chrysler PT Cruiser insurance in Oklahoma City is to start doing a yearly price comparison from insurance carriers who sell insurance in Oklahoma.

• Step 1: Try to learn a little about auto insurance and the modifications you can make to prevent expensive coverage. Many rating factors that increase rates such as high-risk driving behaviors and bad credit can be improved by improving your driving habits or financial responsibility. Later in this article we will cover instructions to get cheaper coverage and find additional discounts.
• Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give prices from one company like Progressive or Farmers Insurance, while independent agents can provide rate quotes from multiple companies.
• Step 3: Compare the price quotes to your existing rates and see if there is a cheaper rate in Oklahoma City. If you find a lower rate and change companies, ensure coverage does not lapse between policies.

The most important part of shopping around is that you’ll want to compare identical limits and deductibles on each price quote and and to analyze as many companies as you can. This provides an apples-to-apples comparison and a complete price analysis.

It’s an obvious assumption that insurance companies don’t want their policyholders to compare prices. Insureds who shop around for the cheapest rate are very likely to move their business because they have good chances of finding coverage at a cheaper rate. A survey found that drivers who compared prices once a year saved as much as $3,500 over four years as compared to drivers who never shopped for cheaper rates.

If finding the cheapest rates on insurance in Oklahoma City is your target objective, then having some knowledge of the best way to shop and compare insurance coverage can make it easier to shop your coverage around.

The intent of this article is to teach you a little about the most effective ways to compare rates and how to save the most money. If you are paying for car insurance now, you will definitely be able to shop for the lowest rates using these methods. Comparison shoppers just have to understand the fastest way to compare insurance rates using one simple form.

Best companies for Chrysler PT Cruiser insurance

The companies shown below offer free quotes in Oklahoma City, OK. If multiple providers are shown, it’s highly recommended you click on several of them in order to find the lowest rates.

Chrysler PT Cruiser insurance rates and statistics

The information shown next covers a range of insurance prices for Chrysler PT Cruiser models. Learning how car insurance premiums are calculated can help guide drivers when making smart policy decisions.

Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Oklahoma minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Premium amounts do not factor in your specific Oklahoma City location which can revise auto insurance rates greatly.

Policy deductibles

One of the most common insurance questions is which deductible level should you buy. The following insurance rates approximate the rate fluctuation when you choose different policy deductibles. The first rate estimation uses a $100 deductible for comprehensive and collision coverage and the second rate chart uses a $500 deductible.

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and Oklahoma minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Rates do not factor in the specific area where the vehicle is garaged which can revise coverage prices substantially.

We can estimate from the data above that using a $100 deductible will cost you about $25 more each month or $300 for a full year than opting for the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you tend to average more than 16 months between claims, you would come out ahead if you choose a higher deductible.

The example below illustrates how choosing a deductible and can change Chrysler PT Cruiser premium costs for different age categories. The price estimates are based on a married male driver, comprehensive and collision coverage, and no discounts are factored in.

Full coverage rates compared to liability-only

The information below illustrates the comparison of Chrysler PT Cruiser annual premium costs when comparing full coverage to state minimum liability only. The data is based on no driving violations, no at-fault accidents, $250 deductibles, single marital status, and no discounts are taken into consideration.

When to stop buying comprehensive and collision coverage

There is no definitive rule to eliminate full coverage, but there is a general guideline. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s say your Chrysler PT Cruiser claim settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, you would only receive $5,000 after the deductible is paid. If it’s costing in excess of $500 a year to have full coverage, then you may want to consider only buying liability coverage.

There are a few situations where eliminating full coverage is not recommended. If you still have a loan on your vehicle, you have to maintain full coverage as part of the loan requirements. Also, if you cannot afford to purchase a different vehicle if your current one is in an accident, you should not drop full coverage.

Car insurance policy discounts for Chrysler PT Cruiser insurance in Oklahoma City

Auto insurance companies do not list all available discounts very well, so we took the time to find a few of the more well known and the harder-to-find discounts you could be receiving when you buy Oklahoma City auto insurance online. If you do not check that you are getting every discount available, you are just wasting money.

• Pay Early and Save – By making one initial payment rather than paying monthly you can avoid monthly service charges.
• Save with a New Car – Putting coverage on a new PT Cruiser is cheaper because newer models keep occupants safer.
• Theft Deterrent – Cars and trucks equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will save you 10% or more on PT Cruiser insurance in Oklahoma City.
• Passive Restraint Discount – Cars that have air bags or automatic seat belts can get savings as much as 30%.
• Online Discount – Many car insurance companies will give you a small discount for buying your policy on their website.
• Driver Training Discounts – Passing a class that teaches defensive driving techniques could possibly earn you a 5% discount depending on where you live.

You should keep in mind that most discounts do not apply to the whole policy. Most only apply to individual premiums such as collision or personal injury protection. Despite the appearance that adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

The illustration below compares Chrysler PT Cruiser insurance premiums with and without discounts applied to the policy premium. The rates are based on a male driver, no claims or driving citations, Oklahoma state minimum liability limits, full physical damage coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with homeowner, multi-policy, claim-free, safe-driver, marriage, and multi-car discounts applied.

The best car insurance companies and their offered discounts are detailed below.

• State Farm discounts include multiple policy, accident-free, Steer Clear safe driver discount, good driver, and defensive driving training.
• Progressive may include discounts for online quote discount, multi-policy, online signing, homeowner, and continuous coverage.
• Progressive has discounts for continuous coverage, multi-vehicle, online quote discount, good student, homeowner, multi-policy, and online signing.
• MetLife may offer discounts for multi-policy, accident-free, good driver, defensive driver, claim-free, and good student.
• Farm Bureau may have discounts that include youthful driver, renewal discount, safe driver, good student, multi-policy, and multi-vehicle.
• GEICO has savings for multi-vehicle, five-year accident-free, multi-policy, military active duty, federal employee, and daytime running lights.
• SAFECO offers discounts for teen safety rewards, drive less, accident prevention training, safe driver, bundle discounts, anti-theft, and teen safe driver.

If you want inexpensive Oklahoma City auto insurance quotes, ask every insurance company the best way to save money. Some credits may not apply everywhere. To choose companies offering car insurance discounts in Oklahoma, click this link.

What is the best insurance coverage?

When it comes to the best insurance coverage, there is no single plan that fits everyone. Everyone’s needs are different and your insurance should be unique as well. These are some specific questions may help you determine if your situation might need professional guidance.

• Is my son or daughter covered when driving my car?
• Does liability extend to a camper or trailer?
• Is my teenager covered with friends in the car?
• If my pet gets injured in an accident are they covered?
• When should I drop full coverage on my Chrysler PT Cruiser?
• Why are teen drivers so expensive to add on to my policy?
• When can my company non-renew my policy?
• How does medical payments coverage work?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance companies in your area. It only takes a few minutes and can help protect your family.

When to have guidance from an insurance agency

Many people would rather visit with an insurance agent and that is a personal choice. Good agents can point out coverage gaps and will help you if you have claims. A nice benefit of getting free rate quotes online is the fact that drivers can get the best rates and still have an agent to talk to. Buying from and supporting local insurance agents is definitely important in Oklahoma City.

For easy comparison, once you complete this simple form, your information gets sent to participating agents in Oklahoma City who can give free rate quotes for your insurance coverage. You won’t even need to contact an agency because quoted prices will be sent immediately to you. If you want to compare rates from a specific insurance company, feel free to go to their quote page and give them your coverage information.

Pick the best auto insurance agent in Oklahoma City for you

If you want to buy insurance from a local insurance agency, there are a couple of different types of agencies and how they function. Oklahoma City agents are considered either exclusive or independent (non-exclusive). Either type can do a good job, but it’s good to learn how they are different since it can impact your agent selection.

Independent Insurance Agents (or Brokers)

Independent agents do not have single company limitations so as a result can place your coverage through lots of different companies and get you the best rates possible. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to do anything. When shopping rates, we recommend you get insurance quotes from several independent agencies to maximize your price options.

Below are independent insurance agencies in Oklahoma City that may be able to give you competitive price quotes.

View more Oklahoma City agents

Exclusive Insurance Agents

Exclusive agents can usually just insure with one company like State Farm, Allstate and AAA. Exclusive agencies are unable to compare other company’s rates so they are skilled at selling on more than just price. Exclusive insurance agents are well schooled on their company’s products which can be an advantage.

Below are exclusive agencies in Oklahoma City that can give you price quote information.

View more Oklahoma City agents

Choosing the best car insurance agent should depend on more than just the quoted price. Ask your prospective agent these questions:

• How much training do they have in personal risk management?
• Is the agent and/or agency licensed to do business in Oklahoma?
• Is the coverage adequate for your vehicle?
• If you are a high risk driver, do they have special markets for your coverage?
• Do they specialize in personal lines coverage in Oklahoma City?
• Are they paid to recommend certain coverages?

Oklahoma car insurance company ratings

Selecting the right company can be difficult considering how many companies are available to choose from in Oklahoma City. The company ratings displayed below may help you pick which companies you want to consider to insure your vehicles.

Top 10 Oklahoma City Car Insurance Companies Ranked by Value

1. Mercury Insurance
2. Travelers
3. American Family
4. AAA Insurance
5. Safeco Insurance
6. Progressive
7. The Hartford
8. The General
9. 21st Century
10. Esurance

Persistence pays off

We just presented many tips how you can get a better price on Chrysler PT Cruiser insurance in Oklahoma City. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may even be surprised to find that the most savings is with a small mutual company. Regional companies may cover specific market segments cheaper than the large multi-state companies such as Allstate and Progressive.

Budget-conscious Chrysler PT Cruiser insurance can be purchased online in addition to local insurance agencies, and you should be comparing both to have the best rate selection. Some insurance companies may not provide rate quotes online and these small insurance companies work with independent agents.

When shopping online for car insurance, it’s very important that you do not skimp on coverage in order to save money. Too many times, someone sacrificed collision coverage only to regret that it was a big error on their part. Your strategy should be to buy the best coverage you can find at the best price, but do not sacrifice coverage to save money.

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• Who Has Affordable Car Insurance Quotes for a Jeep Wrangler in Oklahoma City? (FAQ)
• Who Has Cheap Oklahoma City Car Insurance Quotes for Lyft Drivers? (FAQ)
• Who Has the Cheapest Oklahoma City Auto Insurance for Good Students? (FAQ)
• How to Avoid Buying a Flooded Car (Insurance Information Institute)
• Alcohol Impaired Driving FAQ (iihs.org)
• Teen Driving Statistics (GEICO)