Searching for cheaper car insurance rates in Milwaukee, WI? Milwaukee drivers have lots of choices when trying to find low-cost Chrysler PT Cruiser insurance. They can either spend hours struggling with agents to compare prices or save time using the internet to find the lowest rates. There is a better way to buy car insurance and you need to know the best way to compare rates for your Chrysler and locate the lowest price from Milwaukee insurance agents and online providers.
It’s important to quote other rates quite often because car insurance prices are rarely the same from one policy term to another. If you had the lowest rates on Chrysler PT Cruiser insurance in Milwaukee two years ago you can probably find a better rate quote now. You can find a lot of misleading information regarding PT Cruiser insurance on the web, but we’re going to give you some excellent ideas to stop overpaying for insurance in Milwaukee.
Most major insurance companies such as State Farm and Allstate allow you to get prices for coverage on their websites. Doing online price comparisons for Chrysler PT Cruiser insurance in Milwaukee is quite easy as you simply enter your coverage information as requested by the quote form. When the form is submitted, their quoting system will obtain your credit score and driving record and returns a price quote based on the information you submitted.
This makes it easy to compare insurance prices and it is imperative to do this if you are searching for the most affordable auto insurance rates.
To fill out one form to compare multiple rates now, compare rate quotes from the providers shown below. To compare your current rates, we recommend you complete the form with your coverages identical to your current policy. This ensures you are getting a price comparison based on similar coverages.
The auto insurance companies shown below offer comparison quotes in Milwaukee, WI. If several companies are displayed, we suggest you compare several of them in order to find the lowest rates.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|PT Cruiser 2WD 4-Dr||$92||$174||$254||$16||$76||$612||$51|
|PT Cruiser 2WD 4-Dr||$132||$244||$184||$10||$56||$626||$52|
|Get Your Own Custom Quote Go|
Table data represents married female driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Wisconsin minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, safe-driver, and multi-vehicle. Premium costs do not factor in specific location information which can lower or raise premiums considerably.
Careless driving habits raise car insurance rates
The illustration below demonstrates how speeding tickets and accident claims drive up Chrysler PT Cruiser yearly insurance costs for different categories of driver ages. The prices are based on a single female driver, full coverage, $250 deductibles, and no discounts are applied to the premium.
Comparison of full coverage and liability-only policies
The information below illustrates the difference between Chrysler PT Cruiser insurance prices with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. Data assumes no tickets, no at-fault accidents, $250 deductibles, single female driver, and no discounts are taken into consideration.
Should you be buying full coverage?
There is no clear-cut rule of when to stop paying for physical damage insurance, but there is a general guideline you can use. If the annual cost of coverage is more than around 10% of the settlement you would receive from your company, then you might want to consider buying only liability coverage.
For example, let’s assume your Chrysler PT Cruiser replacement value is $3,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would get paid by your company is $2,000 after paying your deductible. If premiums are more than $200 a year for comprehensive and collision coverage, the it may be a good time to stop paying for full coverage.
There are a few situations where dropping full coverage is not in your best interest. If you still owe a portion of the original loan, you have to carry full coverage in order to keep the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should keep full coverage.
When should I have guidance from a local insurance agent?
A small number of people would prefer to talk to a local agent and that is not a bad decision Most agents can help determine the best coverages and give you someone to call. A good thing about getting free rate quotes online is the fact that drivers can get cheap rate quotes and still have an agent to talk to.
To help locate an agent, after submitting this form (opens in new window), your insurance data gets sent to local insurance agents in Milwaukee who can give free rate quotes for your business. There is no reason to find an agent on your own because quoted prices will be sent to you instantly. If you have a need to quote rates from a specific auto insurance provider, feel free to go to their quote page and complete a quote there.
Finding a good company requires you to look at more than just a cheap price quote. Any agent in Milwaukee should be willing to answer these questions.
- Do they make recommendations based only on price?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Are glass claims handled on-site or do you have to take your vehicle to a repair shop?
- Does the agency provide any after hours assistance?
- Will they make sure you get an adequate claim settlement?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
- Is the agent CPCU or CIC certified?
- Do they offer accident forgiveness?
When finding local Milwaukee agents, you must know there are a couple types of agencies and how they operate. Auto insurance agents in Milwaukee are classified as either exclusive or independent agents depending on their company appointments. Both types can sell auto insurance policies, but it’s a good idea to understand why they differ because it can influence your agent selection.
Exclusive Insurance Agencies
Exclusive agencies generally can only insure with one company such as Farmers Insurance, American Family, State Farm and Allstate. They usually cannot provide prices from multiple companies so you might not find the best rates. Exclusive agents are well schooled on sales techniques which helps overcome the inability to quote other rates. Consumers sometimes choose to use a exclusive agent primarily because of the prominence of the brand and the convenience of having a single billing for all their coverages.
Listed below are exclusive agents in Milwaukee who may provide you with price quotes.
- American Family Insurance – Michael L. Voss
332 N 76th St – Milwaukee, WI 53213 – (414) 257-2121 – View Map
- Allstate Insurance: Alex Ferreira
3436 South 13th Street – Milwaukee, WI 53215 – (414) 672-2000 – View Map
- Allstate Insurance: Dave Kelley
5913 W Howard Ave – Milwaukee, WI 53220 – (414) 988-5271 – View Map
Independent Agents (or Brokers)
These type of agents are not restricted to one company and that is an advantage because they can write policies with an assortment of companies depending on which coverage is best. If they find a lower price, your agent can switch companies and you don’t have to do anything. When comparing rates, we recommend you include price quotes from a couple of independent agencies so that you can do a thorough price comparison. Most also have access to different regional companies which could offer lower prices.
Shown below are independent insurance agents in Milwaukee willing to provide price quotes.
- Brew City Insurance
2937 S Chicago Ave – South Milwaukee, WI 53172 – (414) 762-6600 – View Map
- Robertson Ryan and Associates, Inc
330 E Kilbourn Ave #650 – Milwaukee, WI 53202 – (414) 271-3575 – View Map
- See Insurance
4680 W Bradley Rd #203 – Milwaukee, WI 53223 – (414) 355-5433 – View Map