Really, the only way to get discount Chrysler PT Cruiser insurance in Cleveland is to compare prices at least once a year from insurance carriers who sell auto insurance in Ohio.
First, gain an understanding of the different coverages in a policy and the measures you can take to prevent expensive coverage. Many rating criteria that result in higher rates such as traffic violations, accidents, and an unacceptable credit history can be improved by making minor changes to your lifestyle.
Second, request rate estimates from direct, independent, and exclusive agents. Exclusive agents and direct companies can give quotes from a single company like GEICO and Allstate, while independent agencies can provide prices from multiple companies.
Third, compare the quotes to your existing policy to see if cheaper PT Cruiser coverage is available. If you can save money and decide to switch, make sure coverage does not lapse between policies.
Fourth, provide notification to your current company to cancel your current car insurance policy. Submit payment and a signed application to the new company. Once the application is submitted, keep your new certificate verifying proof of insurance with your registration paperwork.
An important note is to make sure you’re comparing similar deductibles and liability limits on each price quote and and to get rate quotes from as many auto insurance providers as possible. Doing this ensures a fair price comparison and maximum price selection.
Unbelievable but true, the vast majority of consumers kept their coverage with the same insurance company for at least four years, and just short of a majority have never shopped around. Cleveland drivers could save $729 a year, but they underestimate the big savings they would realize if they switch to a new company.
To find low cost Cleveland car insurance quotes, there are several ways to compare quotes from many different Ohio insurance companies. By far the easiest way to compare rates is to get quotes online.
When quoting insurance, remember that having more price comparisons helps increase your odds of locating lower pricing.
The following companies are ready to provide quotes in Ohio. If multiple companies are listed, we recommend you click on several of them to find the most competitive auto insurance rates.
Auto insurance does more than just repair your car
Despite the potentially high cost of Chrysler PT Cruiser insurance, maintaining insurance serves several important purposes.
- Most states have mandatory insurance requirements which means you are required to buy a specific level of liability insurance in order to drive the car legally. In Ohio these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you bought your Chrysler with a loan, it’s most likely the lender will make it a condition of the loan that you carry insurance to ensure loan repayment if the vehicle is totaled. If coverage lapses or is canceled, the bank or lender will purchase a policy for your Chrysler at a more expensive rate and force you to reimburse them for it.
- Auto insurance protects your Chrysler and your assets. It will also cover most medical and hospital costs that are the result of an accident. Liability insurance also covers all legal expenses up to the policy limit if you are sued as the result of an accident. If your Chrysler gets damaged, comprehensive and/or collision insurance will pay to repair the damage.
The benefits of insuring your PT Cruiser are without a doubt worth the cost, particularly for liability claims. The average driver in America is currently overpaying as much as $855 a year so smart consumers compare quotes at least once a year to make sure the price is not too high.
Rates and detailed analysis
The price information displayed below outlines a range of insurance policy prices for Chrysler PT Cruiser models. Knowing how rate quotes are formulated can be valuable when making smart choices when selecting a coverage provider.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| PT Cruiser 2WD 4-Dr | $140 | $224 | $198 | $12 | $60 | $634 | $53 |
| PT Cruiser 2WD 4-Dr | $140 | $224 | $198 | $12 | $60 | $634 | $53 |
| Get Your Own Custom Quote Go | |||||||
Above prices assume married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Ohio minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Estimates do not factor in specific location which can impact price quotes considerably.
Analysis of deductible levels
One common question asked by Cleveland drivers is where should you set your physical damage deductibles. The following insurance rates may aid in understanding the differences in price between high and low physical damage deductibles. The first price estimate table uses a $100 comprehensive and collision deductible and the second rate table uses a $1,000 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| PT Cruiser 2WD 4-Dr | $170 | $290 | $192 | $12 | $58 | $747 | $62 |
| PT Cruiser 2WD 4-Dr | $170 | $290 | $192 | $12 | $58 | $747 | $62 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| PT Cruiser 2WD 4-Dr | $94 | $152 | $192 | $12 | $58 | $508 | $42 |
| PT Cruiser 2WD 4-Dr | $94 | $152 | $192 | $12 | $58 | $508 | $42 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Ohio minimum liability limits. Discounts applied include safe-driver, multi-vehicle, homeowner, claim-free, and multi-policy. Rate information does not factor in zip code location which can modify premium rates substantially.
Using the data above, we can ascertain that using a $100 deductible could cost the average driver approximately $20 more each month or $240 for a full year averaged for all PT Cruiser models than quoting the higher $1,000 deductible. Because you would be required to pay $900 more out-of-pocket with a $1,000 deductible as compared to a $100 deductible, if you tend to have at a minimum 45 months between claims, you would probably save some money going with the higher deductible.
How to calculate deductible break even period
| Average monthly premium for $100 deductibles: | $62 |
| Average monthly premium for $1,000 deductibles (subtract): | – $42 |
| Monthly savings from raising deductible: | $20 |
| Difference between deductibles ($1,000 – $100): | $900 |
| Divide difference by monthly savings: | $900 / $20 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 45 months |
One important caveat is that raising deductibles to save money results in a higher out-of-pocket expense when you file a claim. It will be required that you have enough disposable savings in the event you have to pay the higher deductible.
Discounts can help lower rates on Chrysler PT Cruiser insurance in Cleveland
Auto insurance is not inexpensive, but you can get discounts that you may not even be aware of. Some of these discounts will be visible when you quote, but some must be manually applied before being credited.
- Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts may get savings up to 30%.
- Anti-lock Brake System – Cars with anti-lock braking systems are much safer to drive and earn discounts up to 10%.
- First Accident Forgiveness – This isn’t a discount exactly, but companies like Liberty Mutual, GEICO and Allstate will turn a blind eye to one accident before they charge you more for coverage if you have no claims for a certain period of time.
- Save with More Vehicles Insured – Insuring all your vehicles with the same auto insurance company can get a discount for every vehicle.
- Seat Belt Usage – Drivers who require all occupants to buckle their seat belts could save 15% off the personal injury premium cost.
- Discounts for Government Workers – Federal government employees can save as much as 8% depending on your company.
- Switch and Save Discount – A few larger companies offer discounts for buying a new policy before your current coverage expires. The savings is around 10%.
As is typical with insurance, most of the big mark downs will not be given to the entire cost. A few only apply to the cost of specific coverages such as comprehensive or collision. Even though it appears adding up those discounts means a free policy, companies wouldn’t make money that way.
The example below visualizes the comparison of Chrysler PT Cruiser yearly insurance costs with and without discounts being applied to the rates. The information is based on a female driver, no accidents, no driving violations, Ohio state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, claim-free, safe-driver, marriage, homeowner, and multi-car discounts applied.
Auto insurance companies that may offer these discounts include:
It’s a good idea to ask all the companies how you can save money. Some discounts might not be offered on policies in Cleveland. To find auto insurance companies with discount auto insurance rates in Cleveland, follow this link.
Car insurance agents can help
A lot of people still prefer to visit with an insurance agent and that is recommended in a lot of cases An additional benefit of comparing insurance prices online is you may find cheap insurance rates and still buy from a local agent. And supporting local agencies is important especially in Cleveland.
To help locate an agent, after submitting this simple form, the quote information is emailed to insurance agents in Cleveland who will return price quotes for your insurance coverage. There is no need to find an agent because prices are sent to the email address you provide. You can get cheaper insurance rates AND an agent nearby. If you have a need to get a rate quote from a specific insurance company, just jump over to their website and fill out their quote form.
Multiple types of auto insurance agents in Cleveland
If you would like to find a reliable insurance agency, there are two different types of agents that differ in how they can insure your vehicles. Agencies in Cleveland can be described as either independent agents or exclusive agents depending on their employer.
Independent Insurance Agents
Agents in the independent channel do not write with just one company so as a result can place your coverage with lots of companies and potentially find a lower price. If they find a cheaper price, the business is moved internally and you don’t have to find a new agent.
When shopping rates, you will want to contact multiple independent agents to maximize your price options. Most also have access to smaller regional carriers which may have better rates.
Listed below is a small list of independent insurance agencies in Cleveland who can help you get comparison quotes.
- Nationwide Insurance: James F Greer Jr
16700 Chagrin Blvd – Cleveland, OH 44120 – (216) 752-7100 – View Map - Nationwide Insurance: Hec Wyatt Hixson
15705 Lorain Ave – Cleveland, OH 44111 – (216) 941-4400 – View Map - Evarts Tremaine
1111 Superior Ave #420 – Cleveland, OH 44113 – (216) 621-7183 – View Map
Exclusive Insurance Agents
Exclusive agencies generally can only insure with one company like State Farm, Allstate and AAA. Exclusive agents cannot give you multiple price quotes so they are skilled at selling on more than just price. Exclusive agents are well schooled on their company’s products which helps them compete with independent agents. Consumers frequently purchase coverage from exclusives primarily because of the prominence of the brand and strong financial ratings.
Listed below are exclusive insurance agencies in Cleveland that can give you rate quotes.
- Allstate Insurance: Nanci Cieckiewicz
4719 State Rd – Cleveland, OH 44109 – (216) 739-0990 – View Map - Farmers Insurance – Earl Soroka
1621 Euclid Ave #408 – Cleveland, OH 44115 – (216) 452-0885 – View Map - Franklin Myles – State Farm Insurance Agent
3970 Mayfield Rd – Cleveland Heights, OH 44121 – (216) 291-9892 – View Map
Selecting a car insurance agent should include more criteria than just the bottom line cost. Any agent in Cleveland should be willing to answer these questions.
- Did they already check your driving record and credit reports?
- Will a damage claim use OEM or aftermarket replacement parts?
- Is the agency involved in supporting local community causes?
- Where would glass claims be handled in Cleveland?
- Who are their largest clients?
- Can you use your own choice of collision repair facility?
- Is working in the agency their full-time job?
- Do you qualify for any additional discounts?
Which policy gives me the best coverage?
When it comes to the best car insurance coverage, there really is no one size fits all plan. Your needs are unique to you and your car insurance should unique, too.
These are some specific questions may help highlight whether your personal situation may require specific advice.
- What companies insure drivers after a DUI or DWI?
- Are rock-chip repairs free?
- Is my trailer covered?
- What is an umbrella policy?
- Why are teen drivers so expensive to add on to my policy?
- Why do I have to buy liability insurance?
- When should I not file a claim?
- I have health insurance so do I need medical payments coverage?
- When should I buy a commercial auto policy?
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier
Which car insurance company is best in Ohio?
Finding a high-quality car insurance company can be difficult considering how many choices you have in Cleveland. The rank data shown below could help you decide which car insurance companies you want to consider to insure your vehicles.
Top 10 Cleveland Car Insurance Companies Overall
- USAA
- 21st Century
- GEICO
- Nationwide
- AAA Insurance
- Liberty Mutual
- Safeco Insurance
- State Farm
- Travelers
- American Family
Shop smart and save
We’ve covered a lot of information how to reduce Chrysler PT Cruiser insurance prices online in Cleveland. The key concept to understand is the more providers you compare, the higher your chance of finding affordable Chrysler PT Cruiser insurance quotes. Consumers may even find the lowest prices come from the smaller companies. Smaller companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.
As you shop your coverage around, it’s not a good idea to skimp on coverage in order to save money. In too many instances, drivers have reduced liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. The proper strategy is to find the BEST coverage at the best price but still have enough coverage for asset protection.
For more information, take a look at the following helpful articles:
- Rental Reimbursement Coverage (Allstate)
- Who Has the Cheapest Cleveland Car Insurance for College Students? (FAQ)
- How to Avoid Common Accidents (State Farm)
- Can I Drive Legally without Insurance? (Insurance Information Institute)