Amazingly, the majority of drivers have bought auto insurance from the same company for more than four years, and approximately 38% of consumers have never shopped around. California insurance shoppers could cut their rates by nearly 35% a year by just comparing rate quotes, but they just don’t want to do a rate comparison.
The easiest way to find affordable Chrysler PT Cruiser insurance is to compare prices annually from insurance carriers that sell auto insurance in Fresno. You can compare rates by following these guidelines.
- Read about auto insurance and the factors you can control to prevent high rates. Many rating factors that increase rates like careless driving and a low credit rating can be amended by improving your driving habits or financial responsibility. Later in this article we will cover additional ideas to help prevent high rates and find possible discounts that are available.
- Obtain price quotes from exclusive agents, independent agents, and direct providers. Direct companies and exclusive agencies can provide rates from a single company like GEICO and State Farm, while independent agents can quote prices for many different companies.
- Compare the price quotes to the price on your current policy to determine if switching companies saves money. If you can save some money and change companies, ensure there is no coverage lapse between policies.
- Notify your company or agent to cancel your current auto insurance policy and submit the completed application along with a down payment to your new carrier. When you receive it, place the new proof of insurance paperwork with your vehicle’s registration.
An important bit of advice to remember is to try to use the same deductibles and limits on every quote and and to analyze as many companies as you can. This provides the most accurate price comparison and many rates to choose from.
If you’re already insured, you will definitely be able to find the best rates using this strategy. The purpose of this article is to familiarize you with how auto insurance companies operate and how to save the most money. But California vehicle owners do need to learn how big insurance companies determine how much to charge and take advantage of how the system works.
Take policy discounts and save on Chrysler PT Cruiser insurance in Fresno
Car insurance companies do not advertise every possible discount very well, so the below list has some of the best known as well as the least known ways to save on car insurance.
- Distant College Student Discount – Any of your kids who are enrolled in higher education away from home and don’t have a car could qualify for this discount.
- Senior Citizen Discount – If you’re over the age of 55, you may receive a small decrease in premiums.
- Own a Home and Save – Owning a home in Fresno can get you a discount because it shows financial diligence.
- Employee of Federal Government – Having worked for a branch of the government could provide a small rate reduction with some car insurance companies.
- Auto/Home Discount – If you can combine your auto and home policy with the same company you will save as much as 10 to 15 percent.
- Theft Deterrent System – Cars and trucks equipped with anti-theft or alarm systems prevent vehicle theft and will save you 10% or more on PT Cruiser insurance in Fresno.
You can save money using discounts, but most credits do not apply to your bottom line cost. Some only reduce specific coverage prices like comp or med pay. Just because it seems like adding up those discounts means a free policy, car insurance companies aren’t that generous.
The chart below illustrates the comparison of Chrysler PT Cruiser car insurance costs with and without discounts applied to the rates. Data assumes a male driver, no violations or accidents, California 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 safe-driver, marriage, multi-policy, homeowner, claim-free, and multi-car discounts applied.
A few companies that have some of the discounts shown above are:
When comparing rates, check with all the companies which discounts you qualify for. Some of the earlier mentioned discounts might not be available to policyholders in your area. For a list of providers that have a full spectrum of discounts in Fresno, follow this link.
To get affordable Chrysler PT Cruiser insurance quotes, there a variety of ways to compare rate quotes from many available auto insurance companies in California. The easiest way by far to find the cheapest Chrysler PT Cruiser insurance rates consists of obtaining rate quotes online. When quoting auto insurance, remember that quoting more will enable you to find a lower rate.
The auto insurance companies shown below are ready to provide quotes in Fresno, CA. If you want the best cheap auto insurance in California, it’s highly recommended you visit two to three different companies to get the lowest price.
Chrysler PT Cruiser coverage analysis
The premium information shown below covers detailed analysis of coverage costs for Chrysler PT Cruiser models. Understanding how insurance premiums are determined can help you make smart choices when buying a car insurance policy.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| PT Cruiser 2WD 4-Dr | $340 | $472 | $492 | $30 | $148 | $1,482 | $124 |
| PT Cruiser 2WD 4-Dr | $340 | $472 | $492 | $30 | $148 | $1,482 | $124 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Information does not factor in your specific Fresno location which can raise or lower price quotes noticeably.
Comparison of policy deductibles
One of the more difficult decisions when buying auto insurance is what deductibles to buy. The tables below highlight the costs and benefits of buying low and high insurance deductibles. The first data table uses a $250 comprehensive and collision deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| PT Cruiser 2WD 4-Dr | $298 | $472 | $376 | $22 | $112 | $1,305 | $109 |
| PT Cruiser 2WD 4-Dr | $298 | $472 | $376 | $22 | $112 | $1,305 | $109 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| PT Cruiser 2WD 4-Dr | $242 | $382 | $376 | $22 | $112 | $1,134 | $95 |
| PT Cruiser 2WD 4-Dr | $242 | $382 | $376 | $22 | $112 | $1,134 | $95 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium costs do not factor in Fresno location which can modify premium rates noticeably.
We can derive from the above data that using a $250 deductible would cost the average driver about $14 more each month or $168 for a full year than selecting the higher $500 deductible. Due to the fact that you would have to pay $250 more out-of-pocket with a $500 deductible as compared to a $250 deductible, if you tend to average at least 18 months between claims, you would probably be better off by selecting a higher deductible.
Impact of violations and accidents on rates in Fresno
The information below illustrates how speeding tickets and at-fault collisions can drive up Chrysler PT Cruiser annual premium costs for different age groups of insureds. Data assumes a single female driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are factored in.
Males versus Females
The diagram below shows the difference between Chrysler PT Cruiser annual premium costs for male and female drivers. The rate quotes are based on a clean driving record, no claims, full physical damage coverage, $1,000 deductibles, drivers are not married, and no additional discounts are factored in.
Chrysler PT Cruiser full coverage rates compared to liability only
The chart below illustrates the difference between Chrysler PT Cruiser insurance premiums with liability coverage only compared to full coverage. The price estimates are based on no claims or driving citations, $250 deductibles, single status, and no discounts are factored in.
When to drop comprehensive and collision coverage
There is no written rule of when to stop paying for physical damage insurance, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is 10% or more of replacement cost minus your deductible, then you might consider buying liability only.
For example, let’s assume your Chrysler PT Cruiser replacement cost is $5,000 and you have $1,000 policy deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $4,000 after paying the physical damage deductible. If it’s costing you more than $400 a year for full coverage, then it might be time to consider dropping full coverage.
There are some circumstances where buying only liability insurance is not a good idea. If you still have a loan on your vehicle, you have to keep full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle if your current one is damaged, you should not remove full coverage.
Can’t I compare prices from local Fresno insurance agents?
Many people just want to sit down with an agent and often times that is recommended A good thing about getting online price quotes is that you can obtain lower rates and still have a local agent. Supporting local agencies is especially important in Fresno.
After completing this simple form, your insurance data is sent to local insurance agents that give free quotes for your business. You won’t even need to search for any insurance agencies as quotes are delivered immediately to you. You can find lower rates without the usual hassles of price shopping. If you have a need to get a comparison quote from a particular provider, just visit that company’s website to submit a rate quote request.
When researching a reputable insurance agent or broker, it’s helpful to know the types of agencies that differ in how they can insure your vehicles. Insurance agencies in Fresno can be categorized as either exclusive or independent agents depending on their company appointments.
Independent Auto Insurance Agents
These type of agents often have many company appointments so they can insure your vehicles with many different companies depending on which coverage is best. To transfer your coverage to a different company, your policy is moved internally and the insured can keep the same agent.
When comparing auto insurance rates, it’s recommended you include rate quotes from a few independent agents to get the most accurate price comparison. Most also have access to smaller mutual companies which can be an advantage.
Shown below are independent insurance agencies in Fresno that may be able to give you rate quotes.
- DiBuduo and DeFendis Insurance Brokers LLC
6873 N West Ave – Fresno, CA 93711 – (559) 432-0222 – View Map - Van Beurden Insurance Services, Inc.
7676 N Palm Ave #106 – Fresno, CA 93711 – (559) 436-6655 – View Map - McCarty Insurance
7078 N Maple Ave # 106 – Fresno, CA 93720 – (559) 324-1421 – View Map
Exclusive Agents
Agents that choose to be exclusive can usually just insure with one company such as State Farm, Allstate and AAA. Exclusive agents cannot place coverage with different providers so always compare other rates. Exclusive agents are usually well trained on their products and sales techniques which helps them sell on service rather than price. Consumers often buy insurance from these agents mostly because of high brand loyalty and the convenience of having all coverages with one company.
Shown below is a short list of exclusive insurance agencies in Fresno willing to provide comparison quotes.
- Kathryn Dosher – State Farm Insurance Agent
125 E Barstow Ave #113 – Fresno, CA 93710 – (559) 221-6165 – View Map - Marc Bomarito – State Farm Insurance Agent
9497 N Fort Washington Rd Ste 101 – Fresno, CA 93730 – (559) 224-8660 – View Map - Allstate Insurance: Frank Salvio
745 E Locust Ave Ste 109 – Fresno, CA 93720 – (559) 449-1603 – View Map
Picking a insurance agency needs to be determined by more than just the price. Get answers to these questions too.
- Will they make sure you get an adequate claim settlement?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Will a damage claim use OEM or aftermarket replacement parts?
- Which companies can they place coverage with?
- Can glass claims be handled at your home?
- What discounts might you be missing?
Once you have good responses to any questions you have in addition to an acceptable price estimate, you have narrowed it down to an insurance agency that meets your needs to provide auto insurance coverage.
Ratings for California car insurance companies
Choosing a high-quality car insurance company is difficult considering how many different companies insure vehicles in Fresno. The ranking data shown next may help you analyze which coverage providers you want to consider when comparing rates.
Top 10 Fresno Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Fresno Car Insurance Companies Overall
- USAA
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- GEICO
- The General
- Titan Insurance
- Progressive
Quote more and you will save more
Lower-priced car insurance in Fresno is possible both online in addition to many Fresno insurance agents, and you need to price shop both in order to have the best price selection to choose from. There are still a few companies who do not provide rate quotes online and usually these smaller companies sell through local independent agencies.
People who switch companies do it for a variety of reasons including poor customer service, questionable increases in premium, high rates after DUI convictions or high prices. Whatever your reason, switching car insurance companies is pretty simple and you could end up saving a buck or two.
As you shop your coverage around, it’s very important that you do not buy lower coverage limits just to save a few bucks. There are many occasions where someone dropped uninsured motorist or liability limits only to discover later that the small savings ended up costing them much more. The goal is to buy enough coverage at the best price and still be able to protect your assets.
Additional learning opportunities
- How Much Auto Coverage do I Need? (Insurance Information Institute)
- Who Has Cheap Car Insurance Quotes for College Students in Fresno? (FAQ)
- What Car Insurance is Cheapest for Drivers Under 21 in Fresno? (FAQ)
- Who Has Cheap Auto Insurance Rates for High Mileage Drivers in Fresno? (FAQ)
- New Honda safety features benefit drivers of all ages (Insurance Institute for Highway Safety)
- Determining Auto Insurance Rates (GEICO)