Compare Chrysler PT Cruiser Insurance Rates in Oakland

Do you need a fast way to compare lower-priced Chrysler PT Cruiser insurance in Oakland? Comparing and finding cheap prices for Chrysler PT Cruiser insurance in Oakland can be nearly impossible for drivers not familiar with shopping for insurance online. You have so many different companies and agents to choose from that it can easily become more work than you anticipated to find the best prices.

How to buy discount Chrysler PT Cruiser insurance in Oakland

If saving the most money is your goal, then the best way to get affordable Chrysler PT Cruiser insurance in Oakland is to compare quotes annually from providers who provide car insurance in California.

Step 1: Learn about auto insurance and the steps you can take to keep rates low. Many things that are responsible for high rates like traffic citations, accidents, and an unfavorable credit rating can be rectified by paying attention to minor details.

Step 2: Quote rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only give prices from a single company like GEICO or Allstate, while independent agencies can provide prices for a wide range of insurance providers.

Step 3: Compare the new rates to your current policy premium to see if switching to a new carrier will save money. If you can save money and decide to switch, make sure there is no lapse between the expiration of your current policy and the new one.

Step 4: Tell your current company to cancel your current coverage. Submit any necessary down payment along with the completed application to the new company. As soon as you receive it, put the proof of insurance paperwork somewhere easily accessible.

A good tip to remember is that you’ll want to make sure you compare the same coverage limits and deductibles on every quote and to quote with as many carriers as you can. This guarantees a level playing field and a thorough price selection.

Shockingly, 70% of consumers have stayed with the same insurance company for over three years, and virtually 40% of consumers have never compared insurance rates at all. Oakland consumers could cut their rates by as much as $469 a year, but they assume it’s a waste of time to save money by comparing rate quotes.

If you have coverage now, you should be able to reduce premiums using this information. The intent of this article is to help educate you on the most effective ways to compare rates and how to save the most money. Nevertheless, California vehicle owners must learn how big insurance companies calculate your policy premium and use it to your advantage.

Affordable Chrysler insurance price quotes in Oakland

The companies shown below offer price quotes in Oakland, CA. To find cheap car insurance in Oakland, we suggest you visit as many as you can to get a more complete price comparison.

Rates and statistics

The coverage information displayed below showcases detailed analysis of prices for Chrysler PT Cruiser models. Having a better understanding of how rates are established can benefit drivers when making smart choices when buying a car insurance policy.

Price data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Price estimates do not factor in your specific Oakland location which can revise coverage rates noticeably.

Higher deductibles lower rates

When buying insurance, a common question is how high should your deductibles be. The comparison tables below show the rate fluctuation when you select higher and lower insurance deductibles. The first set of rates uses a $250 physical damage deductible and the second pricing table uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, safe-driver, and claim-free. Information does not factor in vehicle location which can alter premium rates substantially.

Based on the data above, we can derive that using a $250 deductible costs about $14 more each month or $168 a year averaged for all PT Cruiser models than selecting the higher $500 deductible. Since the policyholder would be required to pay $250 more if you turn in a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 18 months between claim filings, you would save money by selecting a higher deductible.

The example below illustrates how your deductible choice and can change Chrysler PT Cruiser premium costs for each different age category. Data assumes a single female driver, full coverage, and no discounts are factored in.

Cheap Oakland insurance rates with discounts

Insuring your fleet can be pricey, but there’s a good chance there are discounts that could help you make your next renewal payment. Certain discounts will be triggered automatically when you quote, but some may not be applied and must be requested specifically in order for you to get them.

• Early Signing – A few larger companies offer discounts for switching to them before your current expiration date. Ten percent is about the average savings.
• Cautious Driver Discount – Drivers who don’t get into accidents can get discounts for up to 45% lower rates than their less cautious counterparts.
• College Student Discount – Older children who live away from home to go to college and do not have access to a covered vehicle could qualify for this discount.
• Discount for Multiple Policies – If you insure your home and vehicles with one company they may give you a discount of up to 20% and get you the cheapest Chrysler PT Cruiser insurance in Oakland.
• Federal Government Employee – Being employed by or retired from a federal job could provide a small rate reduction depending on your insurance provider.
• Air Bags and Passive Restraints – Factory options such as air bags could see savings of 20 to 30 percent.
• 55 and Retired – If you qualify as a senior citizen, you may qualify for better insurance rates.
• Fewer Miles Equal More Savings – Driving less can earn cheaper prices.
• Accident Forgiveness Coverage – Not necessarily a discount, but some companies like Progressive, Allstate, and Liberty Mutual will forgive one accident before hitting you with a surcharge if you have no claims prior to being involved in the accident.

Discounts save money, but please remember that most discounts do not apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, companies wouldn’t make money that way.

The example below shows the comparison of Chrysler PT Cruiser insurance rates with and without discounts applied to the premium. The data assumes a male driver, no accidents or driving violations, California 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 claim-free, safe-driver, marriage, homeowner, multi-car, and multi-policy discounts applied.

If you would like to view insurance companies that offer multiple discounts in Oakland, click here to view.

Get rate quotes but work with a local Oakland insurance agency

Some consumers would prefer to buy from a local agent and that is just fine! A nice benefit of comparing auto insurance online is the fact that drivers can get cheap rate quotes and still choose a local agent. And supporting neighborhood insurance agencies is especially important in Oakland.

After filling out this short form, the quote information is sent to agents in your area who want to provide quotes for your insurance coverage. There is no need to search for an agent because quoted prices will be sent instantly to you. You can find the lowest rates without having to waste a lot of time. If you wish to get a rate quote from a specific auto insurance provider, you just need to search and find their rate quote page and fill out the quote form the provide.

Picking an insurance company shouldn’t rely on just a cheap quote. These are some questions you should get answers to.

• Does the agent recommend any additional coverage?
• Does the company have a local claim office in Oakland?
• What company do they have the most business with?
• Are they actively involved in the community?
• Which companies can they place coverage with?

After getting reasonable responses to any questions you may have in addition to an acceptable price estimate, you may have found a company that will provide auto insurance coverage.

Best car insurance company in Oakland

Ending up with the best company can be challenging considering how many choices there are in Oakland. The company ratings below may help you analyze which providers to look at purchasing coverage from.

Top 10 Oakland Car Insurance Companies Overall

1. USAA
2. American Family
3. AAA of Southern California
4. State Farm
5. The Hartford
6. AAA Insurance
7. GEICO
8. The General
9. Titan Insurance
10. Progressive

Top 10 Oakland Car Insurance Companies Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA of Southern California – 92%
4. AAA Insurance – 91%
5. Nationwide – 90%
6. State Farm – 90%
7. The Hartford – 89%
8. GEICO – 89%
9. The General – 88%
10. 21st Century – 88%

The best insurance company isn’t always the cheapest

Throughout this article, we presented a lot of information how to lower your Chrysler PT Cruiser insurance auto insurance rates in Oakland. The most important thing to understand is the more companies you get premium rates for, the higher your chance of finding cheaper Oakland car insurance quotes. Drivers may even discover the lowest auto insurance rates come from a smaller regional carrier.

Some companies do not offer price quotes online and these small insurance companies sell through local independent agents. More affordable car insurance in Oakland can be purchased on the web and also from your neighborhood Oakland agents, and you should be comparing both in order to have the best price selection to choose from.

People switch companies for a number of reasons such as delays in paying claims, not issuing a premium refund, lack of trust in their agent or even policy non-renewal. Regardless of your reason for switching companies, finding a new company can be easy and end up saving you some money.

How to find discount Chrysler PT Cruiser insurance in Oakland

If saving money is your primary concern, then the best way to get the cheapest car insurance rates in Oakland is to start comparing prices yearly from different companies in California.

Step 1: Try to understand what is in your policy and the things you can change to keep rates down. Many factors that result in higher prices like traffic violations, accidents, and a bad credit rating can be rectified by being financially responsible and driving safely.

Step 2: Compare price quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only provide price estimates from a single company like Progressive or State Farm, while independent agents can provide price quotes from many different companies. Get quotes now

Step 3: Compare the price quotes to the price on your current policy and determine if there is any savings. If you can save some money, make sure the effective date of the new policy is the same as the expiration date of the old one.

The most important part of this process is to use similar limits and deductibles on every price quote and and to get rate quotes from as many different insurance providers as possible. Doing this guarantees an accurate price comparison and a good representation of prices.

Additional car insurance information can be read on the following sites:

• Young Drivers: The High Risk Years Video (iihs.org)
• Who Has Affordable Oakland Car Insurance for a Toyota Corolla? (FAQ)
• Who Has the Cheapest Oakland Auto Insurance Quotes for Ride Shares? (FAQ)
• Anti-Lock Brake FAQ (iihs.org)
• Rental Reimbursement Coverage (Allstate)