Compare 1994 Chevrolet Beretta Insurance Quotes

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.

Compare car insurance quotes

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.

Buyer beware of insurance coverage advertising tricks

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.

Save with these money-saving discounts

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.

• Home Ownership Discount – Just owning your own home may earn you a small savings since owning and maintaining a home demonstrates responsibility.
• Driving Data Discount – People who choose to allow their insurance company to analyze driving patterns by installing a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if their driving habits are good.
• Distant Student – Older children who are attending college and do not have access to a covered vehicle can receive lower rates.
• Discount for Life Insurance – Select insurance carriers reward you with lower insurance coveragerates if you buy life insurance.
• Early Renewal Discounts – Select companies give a discount for switching policies early. The savings is around 10%.
• Multiple Cars – Purchasing coverage when you have several vehicles with the same insurance coverage company can reduce the rates for all insured vehicles.
• Government Employee Discount – Federal government employees could qualify for a slight premium decrease for Beretta coverage with certain companies.
• Paper-free Discount – A few larger online companies will discount your bill up to fifty bucks for signing up over the internet.
• Driver Training Discounts – Successfully completing a course teaching driver safety skills could save 5% or more depending on where you live.
• Good Grades Discount – Performing well in school can be rewarded with saving of up to 25%. Many companies even apply the discount to college students up to age 25.

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.

• Farm Bureau may have discounts that include good student, driver training, renewal discount, multi-policy, 55 and retired, multi-vehicle, and youthful driver.
• State Farm policyholders can earn discounts including passive restraint, student away at school, good driver, multiple autos, and accident-free.
• Progressive has discounts for good student, online quote discount, continuous coverage, online signing, multi-vehicle, and homeowner.
• Allstate discounts include premier plus, safe driver, senior citizen, passive restraint, and economy car.
• Nationwide has savings for defensive driving, accident-free, easy pay, Farm Bureau membership, multi-policy, good student, and family plan.
• MetLife may offer discounts for defensive driver, claim-free, good driver, multi-policy, and good student.

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.

Do I need special coverages?

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.

• Do all my vehicles need collision coverage?
• When should I remove comp and collision on my 1994 Chevy Beretta?
• Should I buy additional glass protection?
• Is my vehicle covered by my employer’s policy when using it for work?
• What is medical payments coverage?
• Does my policy cover my teen driver if they drive my company car?
• Are all vehicle passengers covered by medical payments coverage?
• How can I get my company to pay me more for my totalled car?
• Why does it cost so much to insure a teen driver?
• Is there coverage for injuries to my pets?

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.

Specifics of your insurance policy

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

A penny saved is a penny earned

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

• Bodily Injury Coverage (Liberty Mutual)
• Comprehensive Coverage (Liberty Mutual)
• Neck Injury FAQ (iihs.org)
• Credit Impacts Car Insurance Rates (State Farm)
• Older Driver Statistics (Insurance Information Insitute)
• Insuring a Leased Car (Insurance Information Insitute)