A recent insurance study discovered that most consumers kept their coverage with the same insurance company for four years or more, and 38% of drivers have never even compared rates from other companies. Tennessee drivers can save roughly $500 each year, but they don’t want to take the time to compare rates online.
If you want to find the absolute lowest rates, then the best way to save money on Chrysler PT Cruiser insurance in Nashville is to begin comparing prices regularly from companies that insure vehicles in Tennessee. Price quotes can be compared by completing these steps.
- Gain an understanding of what coverages are included in your policy and the changes you can make to keep rates in check. Many risk factors that cause high rates like inattentive driving and a poor credit score can be controlled by making minor changes to your lifestyle.
- Obtain price quotes from independent agents, exclusive agents, and direct companies. Direct companies and exclusive agencies can only quote rates from one company like Progressive or Allstate, while independent agencies can quote rates from multiple companies. Find a Nashville insurance agent
- Compare the new rate quotes to the premium of your current policy and see if you can save money. If you find a better price and make a switch, make sure there is no lapse in coverage.
The key thing to remember is to compare identical limits and deductibles on every quote and and to get price quotes from as many companies as feasibly possible. Doing this helps ensure an apples-to-apples comparison and the best price selection.
Most larger insurance companies such as Progressive, Allstate and GEICO give coverage price quotes from their websites. Doing online quotes for Chrysler PT Cruiser insurance in Nashville is fairly simple as you simply type in your coverage preferences into the form. Behind the scenes, the system automatically retrieves your driving and credit reports and gives you a price quote determined by many factors.
Using the web to get quotes for Chrysler PT Cruiser insurance in Nashville makes it a lot easier to compare rates and it’s also necessary to perform this step if you want to find the most affordable premium on insurance.
To quickly compare rates using this form now, visit the companies below or click here to submit a quote request to multiple companies at once. If you have your current policy handy, we recommend you enter your coverages as close as possible to your current policy. This makes sure you’re receiving rate comparison quotes for similar coverage.
The providers in the list below are our best choices to provide free quotes in Nashville, TN. To find cheap auto insurance in Nashville, we suggest you visit two to three different companies to get the lowest price.
Insurance coverage analysis
The rate information shown next highlights different insurance prices for Chrysler PT Cruiser models. Knowing how rate quotes are established can be useful when making informed decisions.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| PT Cruiser 2WD 4-Dr | $136 | $194 | $322 | $20 | $96 | $768 | $64 |
| PT Cruiser 2WD 4-Dr | $136 | $194 | $322 | $20 | $96 | $768 | $64 |
| Get Your Own Custom Quote Go | |||||||
Price data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Tennessee minimum liability limits. Discounts applied include homeowner, safe-driver, multi-policy, claim-free, and multi-vehicle. Rates do not factor in specific garaging location which can raise or lower auto insurance rates substantially.
An analysis of deductible level
When buying insurance, a common question is how high should the physical damage deductibles be. The tables below help summarize the rate fluctuation when you select higher and lower physical damage coverage deductibles. The first set of rates uses a $100 deductible for comprehensive and collision coverage and the second price table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| PT Cruiser 2WD 4-Dr | $216 | $368 | $246 | $14 | $74 | $943 | $79 |
| PT Cruiser 2WD 4-Dr | $216 | $368 | $246 | $14 | $74 | $943 | $79 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| PT Cruiser 2WD 4-Dr | $158 | $250 | $246 | $14 | $74 | $742 | $62 |
| PT Cruiser 2WD 4-Dr | $158 | $250 | $246 | $14 | $74 | $742 | $62 |
| Get Your Own Custom Quote Go | |||||||
Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, and Tennessee minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Rate quotes do not factor in specific garaging location which can alter auto insurance rates greatly.
Using the data above, we can ascertain that using a $100 deductible costs approximately $17 more each month or $204 annually averaged for all PT Cruiser models than selecting the higher $500 deductible. Because you would pay $400 more out of your own pocket with a $500 deductible as compared to a $100 deductible, if you tend to go at least 24 months between claims, you would probably be better off if you decide on a higher deductible. Here’s an example of how you can make your own decision.
| Average monthly premium for $100 deductibles: | $79 |
| Average monthly premium for $500 deductibles (subtract): | – $62 |
| Monthly savings from raising deductible: | $17 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $17 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 24 months |
An important sidenote is that a higher deductible level means you will have to cover more of the damage yourself if you have a claim. You need enough extra savings in order to pay the deductible.
The illustration below highlights how deductible selection and can increase or decrease Chrysler PT Cruiser insurance prices for different age categories. The premium estimates are based on a married female driver, full physical damage coverage, and no policy discounts are applied.
Impact of speeding/accidents on Nashville insurance rates
The chart below shows how speeding tickets and at-fault fender-benders raise Chrysler PT Cruiser insurance costs for each different age group. The rates are based on a single female driver, comp and collision included, $1,000 deductibles, and no discounts are applied.
Chrysler PT Cruiser insurance discounts in Nashville
Some insurance providers don’t always advertise every discount very clearly, so we break down a few of the more well known and also the more inconspicuous discounts that you may qualify for.
- No Claims – Drivers who don’t have accidents are rewarded with significantly better rates on Nashville car insurance quote when compared to drivers who are more careless.
- Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes can reduce accidents and qualify for as much as a 10% discount.
- Own a Home and Save – Just owning your own home can earn you a little savings because maintaining a house is proof of financial responsibility.
- Distant Student Discount – Youth drivers who are enrolled in a college that is more than 100 miles from Nashville and do not have a car can be insured at a reduced rate.
- Drive Less and Save – Driving less could earn lower prices due to less chance of an accident.
- Pay Now and Pay Less – If paying your policy premium upfront rather than paying in monthly installments you may reduce your total bill.
- Discounts for New Vehicles – Buying a new car model can cost up to 25% less compared to insuring an older model.
Keep in mind that most of the big mark downs will not be given to the entire policy premium. Some only apply to the cost of specific coverages such as medical payments or collision. Even though the math looks like all those discounts means the company will pay you, you won’t be that lucky.
The chart below visualizes the comparison of Chrysler PT Cruiser insurance costs with and without discounts applied to the policy premium. The rates are based on a female driver, no accidents, no driving violations, Tennessee state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, marriage, homeowner, and safe-driver discounts applied.
A partial list of companies that may offer quotes with most of these discounts may include but are not limited to:
When getting free Nashville car insurance quotes, it’s a good idea to all companies you are considering which discounts can lower your rates. Depending on the company, some discounts may not be offered in your area.
Three reasons auto insurance is important
Even though it’s not necessarily cheap to insure a Chrysler in Nashville, maintaining insurance is required in Tennessee but it also protects you in many ways.
- The majority of states have minimum mandated liability insurance limits which means you are required to buy a minimum amount of liability coverage if you want to drive legally. In Tennessee these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you have a lien on your Chrysler PT Cruiser, most lenders will force you to have full coverage to protect their interest in the vehicle. If you do not pay your insurance premiums, the bank may insure your Chrysler at a much higher rate and force you to pay for the much more expensive policy.
- Insurance safeguards not only your car but also your financial assets. It will also cover medical bills that are the result of an accident. Liability insurance, one of your policy coverages, also covers legal expenses if you are named as a defendant in an auto accident. If your vehicle suffers damage from an accident or hail, your policy will cover the damage repairs after a deductible is paid.
The benefits of buying enough insurance more than cancel out the cost, specifically if you ever have a liability claim. Unknowingly, the average driver is wasting up to $865 each year so compare rates every year to ensure rates are inline.
Best auto insurance in Nashville
Buying coverage from the top insurance company can be a challenge considering how many different companies sell coverage in Tennessee. The company ratings listed below could help you decide which coverage providers you want to consider when shopping your coverage around.
Top 10 Nashville Car Insurance Companies Ranked by Customer Satisfaction
- USAA – 91%
- AAA Insurance – 90%
- Esurance – 90%
- Mercury Insurance – 89%
- Nationwide – 89%
- Travelers – 88%
- Progressive – 88%
- Safeco Insurance – 88%
- State Farm – 88%
- Allstate – 88%
Top 10 Nashville Car Insurance Companies Ranked by Value
- Mercury Insurance
- Travelers
- American Family
- AAA Insurance
- Safeco Insurance
- Progressive
- The Hartford
- Erie Insurance
- Esurance
- The General
What is the best car insurance coverage?
Always keep in mind that when comparing insurance from an agent or online for your personal vehicles, there really isn’t a one-size-fits-all type of policy. Every situation is different and your car insurance should unique, too.
These are some specific questions may help you determine if you would benefit from professional advice.
- Who sells insurance for high-risk drivers?
- Do I pay less for low miles?
- Where can I get insurance after a DUI in Tennessee?
- Is a blown tire covered by insurance?
- Am I covered when using my vehicle for business?
- Do I need motorclub coverage?
- Which is better, split liability limits or combined limits?
If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.
When to contact an insurance agency
A lot of people would prefer to talk to a local agent and that is just fine! Professional agents can help you choose the best coverages and help you file claims. A good thing about comparing rate quotes online is that drivers can save money and get the lowest rates and also buy local.
Once you complete this quick form, the quote information is emailed to agents in your area who can give free rate quotes and help you find cheaper coverage. There is no need to leave your computer since rate quotes are delivered straight to your inbox. In the event you want to quote rates from a specific company, you just need to navigate to their website and fill out their quote form.
Picking an insurance company should include more criteria than just a cheap price quote. Before buying a policy in Nashville, get answers to these questions.
- Are they in the agency full-time?
- Do they reduce claim amounts on high mileage vehicles?
- Is vehicle damage repaired with OEM or aftermarket parts?
- In the event of vehicle damage, can you pick the collision repair facility?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
- Who are their largest clients?
- Do they have 24-hour customer assistance?
The different types of car insurance agents
When narrowing the list to find a local Nashville insurance agent, you should know the different types of agencies to choose from. Agents are classified as either exclusive or independent (non-exclusive). Either can handle insurance, but it’s worth mentioning the difference between them because it can impact which agent you choose.
Exclusive Agencies
Exclusive agencies are contracted to one company and some examples include Farmers Insurance, American Family, State Farm and Allstate. They are unable to provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agencies are usually quite knowledgeable on the products they sell and that allows them to sell at a higher price point. Some people will only choose to use a exclusive agent mostly because of the brand and solid financial strength.
The following are exclusive insurance agents in Nashville that are able to give price quotes.
- Allstate Insurance: Royce Williams
5517 Charlotte Pike – Nashville, TN 37209 – (615) 356-4800 – View Map - Farmers Insurance – Greg Nelson
217 Old Hickory Blvd – Nashville, TN 37221 – (615) 646-3333 – View Map - Valinda Burks – State Farm Insurance Agent
2012 8th Ave S – Nashville, TN 37204 – (615) 292-8050 – View Map
Independent Insurance Agencies
These type of agents are appointed with more than one company and that is an advantage because they can write policies through many different insurance companies and potentially find a lower price. If they find a lower price, they simply move the coverage in-house and you won’t have to switch agencies.
If you need lower rates, we recommend you get some free quotes from a couple of independent agencies in order to have the best price comparison. Most independent agents also contract with different regional companies which may have better rates.
The following is a short list of independent insurance agents in Nashville willing to provide rate quotes.
- Nationwide Insurance: April Bowers Agency Inc
211 Donelson Pike #8 – Nashville, TN 37214 – (615) 883-8183 – View Map - Fridrich, Pinson and Associates Insurance Agency
3825 Bedford Ave #203 – Nashville, TN 37215 – (615) 327-0105 – View Map - Affordable Assurance Agency Inc
6202 Charlotte Pike # 1 – Nashville, TN 37209 – (615) 356-6700 – View Map
After you get good feedback to any questions you may have in addition to an acceptable price estimate, you have narrowed it down to an insurance agent that is reputable and can service your policy.
Car insurance coverage information
Having a good grasp of car insurance aids in choosing the best coverages for your vehicles. Car insurance terms can be difficult to understand and reading a policy is terribly boring. Listed below are the usual coverages available from car insurance companies.
Collision protection
Collision coverage covers damage to your PT Cruiser resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like crashing into a ditch, sustaining damage from a pot hole, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible on your PT Cruiser to get cheaper collision coverage.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for X-ray expenses, EMT expenses, surgery, funeral costs and prosthetic devices. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage
UM/UIM (Uninsured/Underinsured Motorist) coverage
This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Chrysler PT Cruiser.
Since a lot of drivers carry very low liability coverage limits (25/50/15 in Tennessee), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.
Comprehensive auto coverage
This covers damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like theft, damage from getting keyed, vandalism, damage from flooding and a tree branch falling on your vehicle. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Auto liability
Liability insurance provides protection from damage that occurs to other people or property. It protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show values of 25/50/15 which stand for $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a total limit of $15,000 for damage to vehicles and property.
Liability can pay for claims such as loss of income, court costs, emergency aid, bail bonds and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible. Tennessee state minimum liability requirements are 25/50/15 but drivers should carry more coverage.
The chart below shows why buying low liability limits may not be enough coverage.