Smart shoppers know that insurance companies don’t want you to compare rates. Drivers who compare rates once a year are highly likely to switch companies because the odds are good of finding a lower-priced policy. A survey found that consumers who compared prices regularly saved over $3,500 over four years as compared to drivers who don’t regularly compare prices.
If finding the cheapest price on auto insurance in Lincoln is why you’re here, knowing how to quote and compare insurance coverage can help make the process easier.
It takes a little time, but the best way to get cheaper Chrysler PT Cruiser insurance is to make a habit of regularly comparing prices from different companies who provide car insurance in Lincoln. Drivers can shop around by following these steps.
- Get a basic knowledge of what coverages are included in your policy and the steps you can take to prevent high rates. Many rating criteria that increase rates like accidents, careless driving, and poor credit can be improved by being financially responsible and driving safely. Keep reading for information to get low prices and find discounts that you may qualify for.
- Quote rates from independent agents, exclusive agents, and direct companies. Direct and exclusive agents can give quotes from one company like Progressive or Allstate, while agents who are independent can quote prices from multiple insurance companies.
- Compare the new rates to the premium of your current policy to see if you can save by switching companies. If you can save some money, ensure there is no coverage lapse between policies.
- Provide adequate notice to your current company of your intention to cancel the current policy and submit payment along with a signed and completed policy application for your new policy. As soon as you receive it, safely store the certificate verifying proof of insurance with your vehicle’s registration.
One thing to remember is to use similar deductibles and liability limits on each price quote and and to get rates from as many different companies as possible. Doing this guarantees a fair price comparison and the best price selection.
To find cheaper Lincoln auto insurance quotes, there are several ways to compare rate quotes from all the different companies. The best method to find the cheapest Chrysler PT Cruiser insurance rates is to perform an online rate comparison. When quoting car insurance, remember that having more price comparisons helps increase your odds of locating the best offered rates.
The providers in the list below provide price quotes in Nebraska. If your goal is to find cheap car insurance in Lincoln, it’s highly recommended you visit several of them to get the best price comparison.
Car insurance analysis for a Chrysler PT Cruiser
The information below outlines different insurance policy prices for Chrysler PT Cruiser models. Being more informed about how policy premiums are figured can help customers make smart buying decisions.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|PT Cruiser 2WD 4-Dr||$164||$258||$254||$16||$76||$768||$64|
|PT Cruiser 2WD 4-Dr||$164||$258||$254||$16||$76||$768||$64|
|Get Your Own Custom Quote Go|
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-policy, and multi-vehicle. Rate information does not factor in your specific Lincoln location which can decrease or increase coverage rates significantly.
Gender-based car insurance rates by age
The diagram below shows the comparison of Chrysler PT Cruiser auto insurance costs for male and female drivers. Data assumes a clean driving record, no at-fault accidents, full coverage, $500 deductibles, drivers are not married, and no discounts are factored in.
Cost comparison with and without full coverage
The example below visualizes the comparison of Chrysler PT Cruiser yearly insurance costs when comparing full coverage to state minimum liability only. The prices are based on no claims or violations, $250 deductibles, single status, and no discounts are applied to the premium.
When to stop buying physical damage coverage
There is no set guideline of when to eliminate comprehensive and collision coverage on your policy, but there is a general guideline. If the annual cost of your full coverage insurance is more than 10% of the replacement cost minus the deductible, then it could be time to drop full coverage.
For example, let’s assume your Chrysler PT Cruiser settlement value is $6,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled, the most your company will settle for is $5,000 after paying your policy deductible. If you are paying over $500 annually for full coverage, then it might be time to buy liability only.
There are some circumstances where removing full coverage is not in your best interest. If you haven’t paid off your loan, you have to carry full coverage in order to satisfy the requirements of the loan. Also, if you don’t have enough money to buy a different vehicle if your current one is in an accident, you should not buy liability only.
Why you need car insurance
Despite the fact that car insurance is not cheap in Lincoln, maintaining insurance is mandatory in Nebraska but it also protects more than you think.
First, most states have minimum liability requirements which means you are required to buy specific limits of liability coverage in order to license the vehicle. In Nebraska 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.
Second, if you bought your Chrysler PT Cruiser with a loan, it’s most likely the lender will make it mandatory that you buy insurance to ensure loan repayment if the vehicle is totaled. If the policy lapses, the bank will be required to insure your Chrysler for a much higher rate and require you to reimburse them for it.
Third, insurance protects both your Chrysler PT Cruiser and your assets. It also can pay for hospital and medical expenses for both you and anyone you injure as the result of an accident. One of the most valuable coverages, liability insurance, will also pay for a defense attorney if you are sued as the result of an accident. If your Chrysler gets damaged, your car insurance policy will pay to have it repaired.
The benefits of carrying enough insurance are without a doubt worth the cost, particularly if you ever have a claim. The average driver in America is overpaying over $869 every year so you should quote rates each time the policy renews to save money.
Chrysler PT Cruiser Insurance Prices Can Be Reduced
A large part of saving on insurance is knowing a few of the rating criteria that are used to determine your premiums. When you understand what impacts premium levels, this allows you to make good choices that may result in much lower annual insurance costs.
The following are most of the major factors used by companies to determine rates.
Safer cars cost less to insure – Cars with high safety ratings get lower rates. The safest vehicles result in less severe injuries and fewer serious injuries means your insurance company pays less which can mean better rates for you.
Getting married brings a discount – Having a wife or husband actually saves money on your insurance bill. Having a spouse means you’re more responsible and insurance companies like that married drivers tend to have fewer serious accidents.
Liability insurance safeguards assets – A critical coverage on your policy, liability insurance is the coverage that protects you if you are ruled to be at fault for damages from an accident. Your policy’s liability insurance provides legal defense coverage to attempt to prove you were not liable. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not skimp.
Performance makes a difference – The make and model of the vehicle you own makes a substantial difference in the rate you pay. The most favorable rates are usually for smaller low performance passenger cars, but there are many factors that impact the final cost.
The following chart is based on a single female driver age 30, full coverage with $1000 deductibles, and no discounts or violations. It compares Chrysler PT Cruiser rates compared to other vehicles that have different risk factors.
Poor driving leads to higher premiums – Your driving record impacts premiums far more than you think. Even a single chargeable violation may cause rates to rise by as much as twenty percent. Careful drivers receive lower rates compared to bad drivers. Drivers who have received severe violations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 form to the state department of motor vehicles in order to legally drive a vehicle.
The information below illustrates how violations and accidents can drive up Chrysler PT Cruiser auto insurance costs for different insured age categories. The data is based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no policy discounts are applied.
Age of drivers – Older insureds are more cautious drivers, tend to file fewer claims, and tend to be get fewer driving tickets. Drivers with little experience are known to be inattentive when behind the wheel so they pay higher insurance rates.
The following chart uses these variables: single driver, full coverage with $250 deductibles, and no discounts or violations.
Long commutes cost more – Driving a lot of miles in a year’s time the higher the price you pay to insure it. The majority of insurers rate vehicles based upon how the vehicle is primarily used. Cars and trucks used primarily for pleasure use get more affordable rates than those that get driven frequently. Having the wrong rating on your PT Cruiser is throwing money out the window. It’s a smart idea to ensure your policy shows the proper vehicle usage, because improper ratings can cost you money.
More people means more accidents – Being located in small towns and rural areas has definite advantages when insuring your vehicles. Less people means a lower chance of having an accident. People in densely populated areas have to deal with more road rage incidents and more severe claims. More time behind the wheel translates into higher accident risk.
Cheaper rates with these discounts on Chrysler PT Cruiser insurance in Lincoln
Companies don’t always list the complete list of policy discounts in an easy-to-find place, so the list below details both the well known and the harder-to-find discounts that you may qualify for. If you check and find you aren’t receiving every discount possible, you are not getting the best rate possible.
- Student in College – College-age children living away from Lincoln attending college and do not take a car to college can be insured at a reduced rate.
- Drive Safe and Save – Safe drivers can save as much as half off their rates compared to accident prone drivers.
- Theft Deterrent – Cars and trucks equipped with anti-theft or alarm systems are stolen less frequently so companies will give you a small discount.
- Student Driver Training – Have your child successfully complete driver’s ed class in school or through a local driver safety program.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to fasten their seat belts may be able to save a few bucks off PIP or medical payments premium.
- Telematics Devices – Insureds that choose to allow driving data submission to study driving patterns by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could see a rate decrease as long as the data is positive.
- Passenger Safety Discount – Factory air bags may earn rate discounts of more than 20%.
- Own a Home – Owning a home in Lincoln can save a few bucks because it is proof that your finances are in order.
Discounts lower rates, but most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates it’s possible to get free car insurance, that’s just not realistic. Any amount of discount will positively reduce your policy premiums.
The example below compares Chrysler PT Cruiser car insurance costs with and without policy discounts. The rate quotes are based on a male driver, no claims or driving violations, Nebraska state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, multi-policy, multi-car, homeowner, claim-free, and safe-driver discounts applied.
If you would like to choose from a list of auto insurance companies with the best Chrysler PT Cruiser insurance discounts in Lincoln in Nebraska, follow this link.
Compare rates but work with a neighborhood Lincoln auto insurance agent
Some consumers still prefer to sit down and talk to an agent and that can be a great decision One of the benefits of getting free rate quotes online is that you can find cheaper rates and still buy from a local agent. And buying from local agencies is definitely important in Lincoln.
After completing this form (opens in new window), your information is transmitted to agents in your area who will give competitive quotes for your insurance coverage. You won’t even need to find an agent on your own since price quotes are sent instantly to you. You can find lower rates and work with a local agent. If you want to get a price quote from a particular provider, don’t hesitate to search and find their rate quote page and fill out their quote form.
If you need to find a local Lincoln insurance agency, it’s helpful to know the different agency structures and how they function. Insurance agencies can be classified as either independent agents or exclusive agents.
Independent Insurance Agencies or Brokers
These agents often have many company appointments so as a result can place your coverage with an assortment of companies depending on which coverage is best. If they find a lower price, the business is moved internally and that require little work on your part. When comparing rate quotes, you absolutely need to include price quotes from several independent insurance agents so that you can do a thorough price comparison. They also have the ability to place coverage with smaller companies that may have much lower rates than larger companies.
The following is a partial list of independent agents in Lincoln that can possibly get you free price quotes.
- Gary Thompson Agency, Inc.
4200 Lucile Dr a200 – Lincoln, NE 68506 – (402) 475-2609 – View Map
- Copple Insurance Agency, Inc.
1640 L St – Lincoln, NE 68508 – (402) 475-3213 – View Map
- Mittelstadt Agency LLC
1701 K St – Lincoln, NE 68508 – (402) 434-3990 – View Map
Exclusive agencies have only one company to place business with like Allstate, Farmers Insurance, State Farm, and AAA. They usually cannot provide other company’s prices so you need to shop around if the rates are high. Exclusive agents are well schooled on their company’s products which aids in selling service over price. A lot of people choose to use an exclusive agent mostly because of high brand loyalty rather than having low rates.
Listed below is a list of exclusive agencies in Lincoln who can help you get comparison quotes.
- State Farm – Lincoln – Steve Lang
1401 N 66th St Suite 206 – Lincoln, NE 68505 – (402) 467-2272 – View Map
- John Curry – State Farm Insurance Agent
4640 Champlain Dr #121 – Lincoln, NE 68521 – (402) 477-8383 – View Map
- State Farm: Shawn Kreifels
570 Fallbrook Blvd #111 – Lincoln, NE 68521 – (402) 435-2250 – View Map
Choosing the best car insurance agent needs to be determined by more than just the bottom line cost. Any agent in Lincoln should be willing to answer these questions.
- What insurance companies do they work with in Lincoln?
- How much will you save each year by using a higher deductible?
- Do they have 24-hour customer assistance?
- How long has their agency been in business in Lincoln?
- How are claims handled?
- Are claim adjusters local or do you have to take your car somewhere else?
- Is coverage determined by price?
Best auto insurance in Nebraska
Insuring your vehicle with the right auto insurance provider can be a challenge considering how many companies are available to choose from in Nebraska. The company information displayed below could help you pick which insurers to look at purchasing a policy from.
Top 10 Lincoln Car Insurance Companies Ranked by Value
- AAA Insurance
- Liberty Mutual
- State Farm
- Safeco Insurance
- 21st Century
Top 10 Lincoln Car Insurance Companies Ranked by Customer Service
- State Farm
- Safeco Insurance
- American Family
- Liberty Mutual
- The Hartford
- Farmers Insurance
Don’t give up on cheaper premiums
When shopping online for auto insurance, do not reduce needed coverages to save money. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage at the lowest possible cost and still be able to protect your assets.
Consumers who switch companies do it for any number of reasons including high rates after DUI convictions, an unsatisfactory settlement offer, questionable increases in premium and even poor customer service. Whatever your reason, choosing a new insurance company is less work than it seems.
A few companies do not provide the ability to get a quote online and most of the time these smaller companies only sell through independent insurance agents. Lower-priced auto insurance in Lincoln can be purchased on the web in addition to local insurance agencies, so you should compare both to have the best chance of lowering rates.
Additional auto insurance information can be read at the links below
- Speed and Speed Limit FAQ (iihs.org)
- What Insurance is Cheapest for Drivers Under 21 in Lincoln? (FAQ)
- Who Has Affordable Car Insurance Quotes for Drivers Over Age 70 in Lincoln? (FAQ)
- Who Has Cheap Car Insurance Quotes for a Nissan Rogue in Lincoln? (FAQ)
- Who Has Cheap Car Insurance for First-time Drivers in Lincoln? (FAQ)
- Who Has Cheap Lincoln Auto Insurance for High School Students? (FAQ)
- Who Has Cheap Auto Insurance for Real Estate Agents in Lincoln? (FAQ)
- Choosing a Car for Your Teen (State Farm)
- If I File a Claim will My Insurance Go Up? (Insurance Information Institute)
- Preventing Carjacking and Theft (Insurance Information Institute)