Cheaper 1996 Chevrolet Beretta Car Insurance Quotes

Want cheaper insurance coverage rates for your Chevrolet Beretta? Nobody fancies paying their premiums for insurance coverage, especially knowing they could get a better deal. There is such a variety of car insurance companies to buy insurance from, and though it is a good thing to have multiple companies, so many choices can make it hard to find a good deal.

Which auto insurance is cheapest?

Getting a cheaper price on 1996 Chevy Beretta insurance is not rocket science. Just take a couple of minutes to compare free insurance quotes from online providers. This is very easy and can be done in several different ways.

• One of the simplest ways to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This type of form keeps you from doing a different quote for each price estimate. One quote request will get you rate comparisons from multiple companies.
• A more difficult way to get quotes online is to manually visit each individual company website and fill out their own quote form. For sake of this example, let’s say you are doing a rate comparison from Farmers, Safeco and Travelers. To find out each rate you need to take the time to go to each site and enter your information, which can be really labor intensive.

  To view a list of companies in your area, click here.

• The least recommended way to price shop rates is driving to all the different insurance agencies. Quoting and buying insurance online eliminates the need for an insurance agent unless you want the trained advice of a licensed agent. Although, it is possible compare online quotes and still use a local agent.

It doesn’t matter which method you choose, just ensure you are comparing the exact same coverages and limits with every price quote. If you have differing limits then you won’t be able to truly determine the lowest rate.

Lower rates by qualifying for discounts

Some insurers don’t necessarily list all available discounts very clearly, so the below list has some of the more common as well as some of the hidden credits that you can use to lower your rates.

• Discounts for Safe Drivers – Accident-free drivers can save as much as half off their rates on Beretta coverage as compared to drivers with claims.
• Discount for Home Ownership – Owning a house can help you save on insurance due to the fact that maintaining a home requires personal responsibility.
• Pay Now and Pay Less – By making one initial payment rather than paying in monthly installments you can actually save on your bill.
• Multi-car Discount – Buying insurance for more than one vehicle on one policy can get a discount for every vehicle.
• New Vehicle Savings – Buying a new car model can be considerably cheaper since newer vehicles are generally safer.
• Life Insurance – Larger insurance companies have a small discount if you purchase life insurance.

It’s important to note that some credits don’t apply to all coverage premiums. A few only apply to individual premiums such as medical payments or collision. So when it seems like adding up those discounts means a free policy, insurance companies aren’t that generous. But all discounts will definitely reduce your overall bill.

Popular insurance companies and some of their more popular discounts are outlined below.

• State Farm offers premium reductions for Steer Clear safe driver discount, driver’s education, good driver, multiple autos, multiple policy, and student away at school.
• American Family has savings for early bird, multi-vehicle, defensive driver, good student, and Steer into Savings.
• Geico has discounts for daytime running lights, seat belt use, five-year accident-free, membership and employees, emergency military deployment, multi-policy, and multi-vehicle.
• 21st Century offers discounts for automatic seat belts, student driver, 55 and older, teen driver, early bird, and good student.
• Progressive includes discounts for continuous coverage, multi-policy, multi-vehicle, homeowner, and good student.

When comparing rates, check with each insurance company how many discounts you can get. Discounts might not be offered in your area. To see insurers that offer the discounts shown above, click this link.

Six factors that affect insurance prices

The best way to find cheaper insurance is to take a look at the factors that play a part in calculating your policy premiums. If you have a feel for what impacts premium levels, this allows you to make educated decisions that may reward you with lower insurance prices.

The following are a partial list of the pieces that factor into your premiums.

• Rural vs Urban Areas – Living in a rural area is a good thing if you are looking for the lowest rates. Fewer people means reduced accidents and also fewer theft and vandalism claims. City drivers regularly have more road rage incidents and more severe claims. More time commuting means more chances of being involved in an auto accident.
• Safer vehicles that lower rates – Choosing to buy a car with a theft deterrent system can get you a discount on your insurance. Theft prevention devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft and help bring rates down.
• Age of drivers impacts rates – Teenage drivers are statistically proven to be inattentive and easily distracted when behind the wheel therefore insurance rates are much higher. Older people have been proven to be more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.
• Gals tend to cost less – Over time, data shows women are more cautious behind the wheel. The data does not necessarily mean that men are WORSE drivers than women. Men and women are responsible for fender benders in similar numbers, but males have costlier accidents. Men also get more serious tickets such as reckless driving.
• Marriage is a good thing – Getting married can actually save you money on your policy. Marriage translates into being more mature than a single person and insurance companies like that drivers who are married are more cautious.
• Buy as much liability insurance as you can afford – Liability insurance will protect you if you are responsible for damages from an accident. This coverage provides you with a defense in court to defend your case. Liability is cheap compared to other policy coverages, so do not skimp.

Car insurance is unique, just like you

When buying proper insurance coverage, there is no “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. Here are some questions about coverages that could help you determine whether your personal situation will benefit from professional help.

• Is pleasure use cheaper than using my 1996 Chevy Beretta to commute?
• What if I don’t agree with a claim settlement offer?
• Is my ex-spouse still covered by my policy?
• Should I waive the damage coverage when renting a car?
• What discounts do I qualify for?
• Is motorclub coverage worth it?
• Are all vehicle passengers covered by medical payments coverage?
• How many claims can I have before being cancelled?

If you don’t know the answers to these questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Ads can be misleading

Consumers can’t escape the ads that promise big savings by 21st Century, Allstate and State Farm. All the companies make an identical promise about saving some big amount if you change to them.

How is it plausible that every one can sell you cheaper insurance coverage? It’s all in the words they use.

Most companies have specific criteria for the right customer that earns them a profit. One example of a profitable insured might have to be between the ages of 30 and 45, has other policies, and drives less than 10,000 miles a year. Any driver who matches that profile will get a cheap rate quote and will save when they switch companies.

Drivers who may not quite match these criteria must pay higher premiums and this can result in the prospect going elsewhere. If you listen to the ad wording, they say “drivers who switch” not “all people who quote” save that much. That’s why insurance companies can advertise the savings. Because each company has a different risk profile, you need to compare free insurance quotes often. It is impossible to predict the company that will have better car insurance rates than you’re paying now.

Car insurance coverage breakdown

Understanding the coverages of your car insurance policy aids in choosing the right coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Shown next are the normal coverages found on the average car insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Beretta.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Liability coverages

Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers claims like medical services, medical expenses, funeral expenses and pain and suffering. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

Auto collision coverage

This pays for damage to your Beretta caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as scraping a guard rail, backing into a parked car, sustaining damage from a pot hole, rolling your car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses for doctor visits, X-ray expenses and nursing services. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from getting keyed, a broken windshield, hitting a deer and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

More effort can pay off

We just showed you many tips how you can reduce 1996 Chevy Beretta insurance premium rates online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding cheaper insurance. You may even find the most savings is with a smaller regional carrier. These smaller insurers may only write in your state and offer lower prices than the large multi-state companies such as State Farm and Allstate.

There are still a few companies who do not offer online price quotes and usually these small insurance companies only sell through independent insurance agencies. Cheaper auto insurance is definitely available from both online companies in addition to many insurance agents, and you should compare rates from both to have the best chance of lowering rates.

Much more information about auto insurance is available below:

• Vehicle Safety Ratings (iihs.org)
• Safe Vehicles for Teens (iihs.org)
• What is Gap Insurance? (Insurance Information Insitute)
• Learn About Car Insurance (Geico)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Insurance Losses by Make and Model (iihs.org)