Compare Chrysler PT Cruiser Insurance Rate Quotes in New Orleans

Are you sick of overpaying and want the cheapest Chrysler PT Cruiser insurance in New Orleans? Searching for low-cost insurance for a Chrysler PT Cruiser in Louisiana could be a lot of work, but you can use these tips to save time.

There is a better way to shop for auto insurance so we’re going to tell you the best way to compare rates for a Chrysler and get the lowest price from New Orleans insurance agents and online providers.

Many insurance companies such as Allstate, GEICO and Progressive allow you to get prices directly from their websites. Comparing Chrysler PT Cruiser insurance rates online is pretty easy as you simply enter the coverages you want as detailed in the form. After the form is submitted, their quoting system will obtain information on your driving record and credit history and returns a price quote.

Getting online rate quotes for Chrysler PT Cruiser insurance in New Orleans makes it simple to compare prices and it’s necessary to have as many quotes as possible in order to find a better rate.

In order to fill out one form to compare multiple rates now, visit the companies below or click here to submit a quote request to multiple companies at once. To compare your current rates, we recommend you enter the limits and deductibles identical to your current policy. Doing this guarantees you will have an apples-to-apples comparison for similar insurance coverage.

The companies shown below are ready to provide quotes in New Orleans, LA. To find the best cheap auto insurance in New Orleans, we suggest you get rates from several of them to get the most competitive price.

Rates and detailed analysis

The rate information below covers detailed analysis of insurance policy prices for Chrysler PT Cruiser models. Knowing how premiums are figured can aid in making decisions on the best policy to buy.

Table data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Louisiana minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate information does not factor in New Orleans location which can revise auto insurance rates greatly.

Raise deductibles and save

One of the hardest decisions when shopping for insurance is what deductibles to buy. The data tables below sum up the differences in price when you select higher and lower physical damage coverage deductibles. The first table uses a $250 deductible for comprehensive and collision coverage and the second rate chart uses a $1,000 deductible.

Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Louisiana minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Price estimates do not factor in specific garaging location which can change coverage rates substantially.

Based on these figures, using a $250 deductible will cost in the ballpark of $27 more each month or $324 a year than quoting the higher $1,000 deductible. Since you would pay $750 more if you turn in a claim with a $1,000 deductible as compared to a $250 deductible, if you normally average at least 28 months between claims, you would save money by selecting a higher deductible. Here is a better example of how you can make this decision for your own policy.

An important sidenote is that a higher deductible level means you will have to pay more of your own money when you file a claim. You should have some extra savings in the event you have to pay the deductible for vehicle repair.

The example below demonstrates how deductibles and can influence Chrysler PT Cruiser insurance premiums for different age groups of insureds. The costs are based on a married male driver, full coverage, and no discounts are applied.

Premiums by gender and age

The example below visualizes the comparison of Chrysler PT Cruiser car insurance rates for male and female drivers. The information is based on no tickets, no at-fault accidents, full physical damage coverage, $1,000 deductibles, drivers are single, and no policy discounts are applied.

Should you buy full coverage?

The diagram below shows the difference between Chrysler PT Cruiser insurance premiums with liability coverage only compared to full coverage. The premiums assume no driving violations, no at-fault accidents, $500 deductibles, marital status is single, and no discounts are taken into consideration.

When to stop paying for full coverage

There is no clear-cut formula to exclude full coverage on your policy, but there is a general convention. If the annual cost of having full coverage is more than about 10% of the replacement cost of your vehicle minus the policy deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s pretend your Chrysler PT Cruiser book value is $9,000 and you have $1,000 full coverage deductibles. If your vehicle is totaled, you would only receive $8,000 after paying the physical damage deductible. If it’s costing in excess of $800 annually for full coverage, then you might want to consider buying only liability coverage.

There are some circumstances where eliminating full coverage is not a good plan. If you still have a loan on your vehicle, you are required to maintain full coverage as part of the loan conditions. Also, if your savings is not enough to buy a different vehicle in case of an accident, you should not opt for liability only.

Insuring your Chrysler vehicle just makes sense

Even though it’s not necessarily cheap to insure a Chrysler in New Orleans, insurance is mandatory in Louisiana but it also protects more than you think.

• Almost all states have compulsory liability insurance requirements which means you are required to carry a specific minimum amount of liability coverage in order to drive the car legally. In Louisiana these limits are 15/30/25 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
• If you have a lien on your PT Cruiser, it’s guaranteed your bank will require that you carry insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the lender may have to buy a policy to insure your Chrysler at a much higher premium rate and require you to fork over a much higher amount than you were paying before.
• Insurance protects both your Chrysler PT Cruiser and your personal assets. It also can pay for most medical and hospital costs incurred 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 an accident. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to have it repaired.

The benefits of buying enough insurance are without a doubt worth the cost, especially with large liability claims. On average, a vehicle owner in New Orleans overpays as much as $830 a year so compare rates at least once a year to make sure the price is not too high.

How Your PT Cruiser Insurance Premiums are Determined

An important part of buying insurance is that you know the different types of things that go into determining your premiums. When you know what positively or negatively determines base rates, this empowers consumers to make smart changes that can help you get cheaper rates. Multiple criteria are considered when you quote your car insurance policy. Some are obvious such as traffic violations, but other factors are less obvious like where you live or your vehicle rating.

Add-on coverages can cost a lot – Insurance policies have a lot of extra add-on coverages that you can get tricked into buying if you aren’t careful. Coverages like coverage for rental cars, towing coverage, and Farm Bureau memberships are some examples. These may sound like a good investment at first, but if they’re wasting money remove them from your policy.

Vehicle theft costs us all – Purchasing a vehicle with anti-theft technology or alarm system can help lower your rates. Theft prevention devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help prevent auto theft.

Insurance rates and vehicle performance – The performance of the vehicle you are buying insurance for makes a big difference in the rate you pay. Lower cost passenger cars normally have pretty low rates, but there are many factors that impact the final cost.

The next chart uses these variables: single male driver age 50, full coverage with $500 deductibles, and no discounts or violations. It illustrates Chrysler PT Cruiser car insurance rates compared to other makes and models that have different performance risks.

Bad credit hurts insurance rates – Your credit history can be an important factor in determining what you pay for auto insurance. Consumers who have very good credit scores tend to be more responsible than those with lower credit ratings. If your credit rating could use some work, you could potentially save money when insuring your Chrysler PT Cruiser by spending a little time repairing your credit.

Reduce prices by staying claim free – Auto insurance companies in Louisiana give the lowest premiums to people who are not frequent claim filers. If you tend to file frequent claims, you can pretty much guarantee much higher rates or policy non-renewal. Your insurance policy is intended for the bigger claims that can’t be paid out-of-pocket.

Get a ticket, pay higher premiums – A bad driving record has a big impact on rates. Careful drivers have lower premiums compared to bad drivers. Even a single ticket could increase your next policy renewal by as much as thirty percent. People who have careless tickets like DUI, reckless driving or excessive speeding may face state-mandated requirements to submit a SR-22 form with their state in order to legally drive a vehicle.

The example below shows how traffic citations and at-fault collisions can drive up Chrysler PT Cruiser yearly insurance costs for different age categories. The data is based on a single male driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

Choose high NHTSA crash test ratings and save – Safe vehicles tend to have lower insurance rates. Safe vehicles reduce occupant injuries and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your Chrysler is rated at least four stars on Safercar.gov it may be receiving lower rates.

Discount New Orleans insurance rates

Companies don’t always publicize all available discounts in a way that’s easy to find, so the following is a list of a few of the more common and the more hidden insurance savings.

• Sign Early and Save – Select larger companies give a discount for switching to them before your current coverage expires. You can save around 10% with this discount.
• Safe Driver Discounts – Insureds who avoid accidents could pay up to 40% less than less cautious drivers.
• New Orleans Homeowners Discount – Just owning your own home may trigger a policy discount on insurance due to the fact that maintaining a home shows financial diligence.
• Include Life Insurance and Save – Some insurance companies give a discounted rate on car insurance if you buy life insurance from them.
• Seat Belt Usage – Forcing all vehicle occupants to fasten their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
• Bundle and Save – If you have multiple policies with one insurance company you could earn a discount of as much as 10 to 15 percent.
• Driver Safety – Taking time to complete a course that instructs on driving safety could possibly earn you a 5% discount and also improve your driving technique.
• Discount for Passive Restraints – Options like air bags can get savings of more than 20%.

While discounts sound great, it’s important to understand that some credits don’t apply to the overall cost of the policy. Some only apply to individual premiums such as medical payments or collision. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way. Any qualifying discounts will definitely lower the amount you pay for coverage.

The example below shows the difference between Chrysler PT Cruiser auto insurance rates with and without discounts applied to the policy premium. The price estimates are based on a male driver, no claims, a clean driving record, Louisiana state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-car, safe-driver, claim-free, and multi-policy discounts applied.

To see providers that offer some of these discounts in New Orleans, click here.

Will just any policy work for me?

Keep in mind that when it comes to choosing the best auto insurance coverage, there really isn’t a perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply.
For instance, these questions can help discover if your situation would benefit from professional advice.

• Does every company file a SR-22 automatically?
• What if I owe more than I can insure my car for?
• How high should my uninsured/underinsured coverage be in Louisiana?
• Do I need replacement cost coverage?
• Are rock chip repairs covered?
• Should I get collision insurance on every vehicle?
• Can I get a multi-policy discount?
• Can my babysitter drive my car?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and may give you better protection.

You may require the services of an insurance agency

Certain consumers just want to talk to an insurance agent and that is OK! Good agents can help determine the best coverages and help file insurance claims. One of the great benefits of getting online price quotes is the fact that you can find the lowest rates and still have an agent to talk to. Putting coverage with neighborhood insurance agencies is important particularly in New Orleans.

To make it easy to find an agent, after completing this simple form, the coverage information gets sent to companies in New Orleans that can give you free New Orleans auto insurance quotes and help you find cheaper coverage. It simplifies rate comparisons since you won’t have to find an agent on your own since rate quotes are delivered immediately to you. If for some reason you want to get a rate quote from a specific company, you can always find their quoting web page and complete a quote there.

If you’re trying to find a reputable insurance agent or broker, there are two types of agencies and how they can write your policy. Agents in New Orleans are considered either exclusive or independent. Either one can provide insurance policies, but it’s worth learning the difference in the companies they write for because it can factor into your agent selection.

Independent Agencies or Brokers

These type of agents are not employed by any specific company so as a result can place your coverage with multiple insurance companies enabling the ability to shop coverage around. To move your coverage to a new company, your agent can just switch to a different company which makes it simple for you.

If you are trying to find cheaper rates, you should always get rate quotes from a few independent agents so that you can do a thorough price comparison. A lot of them also have access to smaller regional carriers that can offer cheaper rates than bigger companies.

Shown below are independent insurance agencies in New Orleans that may be able to provide free rate quotes.

• Lovecchio Insurance
  1510 Robert E Lee Blvd – New Orleans, LA 70122 – (504) 284-7778 – View Map
• Southern Insurance Agency, LLC
  725 Magazine St E – New Orleans, LA 70130 – (504) 528-9242 – View Map
• Daul Insurance
  94 Westbank Expressway Trail – Gretna, LA 70053 – (504) 362-0667 – View Map

View more New Orleans agents

Exclusive Agencies

These agents can only provide pricing for a single company and some examples include Farmers Insurance, State Farm, Allstate, and AAA. These agents are not able to provide prices from multiple companies so you need to shop around if the rates are high. Exclusive agencies are usually well trained on their company’s products and that allows them to sell at a higher price point. Some consumers prefer to buy insurance from these agents primarily because of the brand legacy instead of buying on price only.

Listed below is a short list of exclusive insurance agencies in New Orleans that are able to give comparison quotes.

• Nick Pontiff – State Farm Insurance Agent
  229 N Genois St – New Orleans, LA 70119 – (504) 309-8773 – View Map
• State Farm – Mia DeLouise
  5638 Jefferson Hwy – New Orleans, LA 70123 – (504) 739-7979 – View Map
• Allstate Insurance: Paul Scaffidi
  720 Harrison Ave c – New Orleans, LA 70124 – (504) 822-8007 – View Map

View more New Orleans agents

Selecting an insurance agency is decision based upon more than just the bottom line cost. Any agent in New Orleans should be willing to answer these questions.

• How many years of experience in personal auto insurance do they have?
• Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
• Which insurance companies are they affiliated with?
• Who are their largest clients?
• If they are an independent agency in New Orleans, which companies do they recommend?
• Is vehicle mileage a factor when determining depreciation for repairs?
• How often do they review policy coverages?
• Does the company allow you to choose your own collision repair facility?

Smart consumers save more

When buying insurance coverage, you should never buy poor coverage just to save money. In many cases, someone dropped comprehensive coverage or liability limits and learned later that the few dollars in savings costed them thousands. The goal is to buy enough coverage for the lowest cost, but do not skimp to save money.

Budget-conscious Chrysler PT Cruiser insurance is definitely available both online in addition to many New Orleans insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. Some insurance companies do not offer the ability to get quotes online and many times these small, regional companies sell through local independent agencies.

Steps to finding better rates for Chrysler PT Cruiser insurance in New Orleans

If you want to save money, the best way to save on car insurance rates is to begin comparing prices regularly from providers that sell auto insurance in New Orleans. Rate comparisons can be done by following these steps.

• First, try to learn a little about how insurance works and the modifications you can make to keep rates low. Many policy risk factors that result in higher rates such as traffic violations and bad credit can be rectified by making small lifestyle or driving habit changes.
• Second, request price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can provide rates from one company like GEICO or Allstate, while agents who are independent can quote rates from multiple sources.
• Third, compare the new rate quotes to the price on your current policy to determine if you can save on PT Cruiser insurance. If you find a better price and decide to switch, make sure there is no coverage gap between policies.
• Fourth, provide notification to your current agent or company to cancel your existing policy and submit the completed application along with a down payment for the new policy. As soon as you receive it, store the certificate verifying coverage somewhere easily accessible.

A crucial key to this process is to try to use the same liability limits and deductibles on every quote and and to analyze as many car insurance companies as possible. This provides an apples-to-apples comparison and the best price selection.

More detailed auto insurance information can be found by following these links:

• How Does Hitting a Deer Impact Insurance Rates? (Allstate)
• Who Has Affordable Auto Insurance for Young Drivers in New Orleans? (FAQ)
• Who Has Cheap New Orleans Auto Insurance for a Honda Accord? (FAQ)
• Who Has Cheap New Orleans Auto Insurance Quotes for 19 Year Olds? (FAQ)
• What Auto Insurance is Cheapest for a Toyota Highlander in New Orleans? (FAQ)
• Who Has the Cheapest New Orleans Auto Insurance for Postal Workers? (FAQ)
• Who Has Cheap New Orleans Car Insurance for a Honda Civic? (FAQ)
• Who Has Affordable New Orleans Auto Insurance for a Toyota 4Runner? (FAQ)
• Vehicle Size and Weight FAQ (iihs.org)
• Senior Drivers (Insurance Information Institute)