Want cheaper insurance rates for your Chevrolet Beretta? Nobody that owns a car looks forward to paying premiums for insurance, in particular when the cost is too high.
Consumers have many auto insurance companies to buy insurance from, and although it’s nice to be able to choose, so many choices can make it hard to compare rates.
It’s important to compare premium rates before your policy renews because insurance rates fluctuate regularly. If you had the best premium rates for Beretta coverage a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because it’s time to teach you the tricks you need to know to save money, get proper coverage and the best rates.
Performing a rate comparison can take time and effort if you aren’t aware of the best way to get rate quotes. You can spend countless hours talking about coverages with insurance companies in your area, or you could use online quotes to get rate comparisons in just a few minutes.
Many insurance companies participate in an industry program that allows shoppers to complete one form, and every company can provide price quotes based on the submitted data. This system prevents you from having to do quote requests for every car insurance company.
To find out how much you can save on car insurance click to open in new window.
The only downside to using this type of form is that consumers can’t choose which providers you want pricing from. If you prefer to choose specific insurance companies to receive pricing from, we have assembled a list of companies who write car insurance in your area. Click to view list.
Compare rates however you want, just double check that you are using the exact same coverages with each company. If each company quotes different data then you won’t be able to get a fair rate comparison. Slightly different insurance coverages could mean much higher rates. Keep in mind that making a lot of price comparisons will increase your chances of finding a better price.
Well-known insurance coverage companies like Progressive, Geico, Allstate and State Farm seem to constantly run ads on television and other media. All the ads state the claim of big savings just by switching to their company. It sounds good, but how can they all lower your rates? It’s all in the words they use.
Companies quote their cheapest rates for the type of customer that will add to their bottom line. A good example of a desirable risk might have to be between the ages of 30 and 45, carries full coverage, and chooses high deductibles. Anybody who meets those qualifications will get a cheap rate quote and will save some money.
Potential customers who don’t measure up to this ideal profile will be charged higher rates which results in the customer not buying. The wording the ads use say “people that switch” not “everyone that quotes” can get the lowest rates when switching. That’s the way insurance companies can make those statements.
This really drives home the point why it’s extremely important to get price quotes at each policy renewal. It’s impossible to know which insurance companies will have better prices than you’re paying now.
Some companies don’t necessarily list every discount very well, so here is a list a few of the more well known in addition to some of the lesser obvious ways to save on insurance coverage.
While discounts sound great, it’s important to understand that most credits do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates you can get free auto insurance, you won’t be that lucky.
Larger insurance coverage companies and some of the discounts can be read below.
When getting a coverage quote, ask each insurance company how many discounts you can get. Some of the earlier mentioned discounts might not be available to policyholders in every state.
When it comes to buying the best insurance coverage coverage, there isn’t really a “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. Here are some questions about coverages that can help discover if your insurance needs might need an agent’s assistance.
If it’s difficult to answer those questions then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.
Learning about specific coverages of your policy can be of help when determining the best coverages and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.
Comprehensive (Other than Collision) – This covers damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for claims such as falling objects, hail damage and theft. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.
Collision – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for things like crashing into a ditch, scraping a guard rail, sideswiping another vehicle, hitting a parking meter and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible to bring the cost down.
Liability insurance – Liability insurance can cover damage that occurs to people or other property by causing an accident. It protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage protects against things like attorney fees, repair bills for other people’s vehicles, medical services, bail bonds and pain and suffering. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.
Protection from uninsured/underinsured drivers – This coverage provides protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy Beretta.
Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.
Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for expenses such as nursing services, X-ray expenses, ambulance fees and hospital visits. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible
Budget-friendly auto insurance can be bought from both online companies and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies don’t offer internet price quotes and these smaller companies work with local independent agents.
When getting auto insurance quotes online, it’s very important that you do not reduce needed coverages to save money. There have been many cases where drivers have reduced 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 find the BEST coverage for the lowest cost, but do not sacrifice coverage to save money.
Additional auto insurance information can be found at the links below
Lizabeth Stone
I live just outside Columbus, GA. Quoted with GEICO, GMAC, and Farmers for my 1994 Chevrolet Beretta and saved $77 a year. Still almost need a second mortgage.
Christoper Tillman
Is Progressive cheaper than American Family in Nashville, TN?
Lonnie Mejia
I got decent rates for a 1994 Chevrolet Beretta in Paterson, New Jersey. Ended up at darn near $70 every six months with AIG Insurance. BTW speeding tickets are not good.
Nicki Hull
Does GEICO prorate premiums at cancellation?
Willette Russo
I’m looking for cheaper coverage. From northwest of Cedar Rapids, Iowa. I quoted with 21st Century, AIG Insurance, Esurance, and Liberty Mutual for my 1994 Chevrolet Beretta and I think I saved about $20 each month. Insured with American Family before. I get a discount for insuring multiple vehicles. It’s still not cheap enough.
Hye Schwartz
Cheaper car insurance is a myth. From south side of Miami, FL. I quoted with Western Auto Insurance, AAA, Hanover, and Nationwide for my Beretta and saved just over $90 a year. Left Hartford to switch.
Cheri Hodge
I’m in the south part of Miami, FL. Quoted with Mercury, Esurance, 21st Century, and AAA for my 1994 Chevrolet Beretta and saved just over $90 a year.
Clarice Velez
Will GEICO cancel me for an at-fault accident?
Gwyn Clayton
Liked the article. Went with Amica for my 1994 Chevrolet Beretta and cut my rates about $80 a year. I have kids on my policy, too. They have free quotes online. Next renewal I’ll just do liability.
Kristen Jarvis
I live on the north side of Mesa, AZ. I quoted with Progressive, American Family, Farmers, and Liberty Mutual for my Beretta and saved $76 a year. Left Progressive to switch. Even increased coverage a bit. Might find lower rates online. Only insure liability on my Beretta.
Livia Moody
Will State Farm cancel me for an at-fault accident?
Toshiko Nicholson
Cheapest quote for my 1994 Chevrolet Beretta was with Esurance. I have a couple other vehicles on the policy. It’s too old for full coverage.
Jeff Gray
Just my two cents. From northwest of Greensboro, NC. I got free prices from Western Auto Insurance, AAA, GMAC, and Safeco for my Beretta and saved $118 a year. They have a lot of discounts available. I’m thinking about dropping full coverage though.