Lower Your 1996 Chevrolet Corsica Insurance Rates

Want cheaper auto insurance rates? Drivers have options when trying to find the best price on Chevy Corsica insurance. You can either spend your time struggling with agents to compare prices or leverage the internet to make rate comparisons. There is a right way and a wrong way to compare auto insurance rates and you need to know the best way to quote coverages for a new or used Chevy and get the lowest possible price.

It’s important to compare prices periodically since prices fluctuate regularly. Even if you got the best quotes on Corsica coverage a few years ago a different company probably has better rates today. Ignore everything you know about auto insurance because we’re going to demonstrate the proper way to find the best coverage while lowering your premiums.

Auto insurance rates and discounts

Auto insurance is easily one of your largest bills, but you may qualify for discounts that many consumers don’t even know exist. Some discounts apply automatically at the time of quoting, but a few must be specially asked for before you will receive the discount.

• Senior Discount – Drivers that qualify as senior citizens may be able to get a small discount on rates on Corsica coverage.
• Accident Free – Claim-free drivers pay less when compared to drivers who are more careless.
• Multi-line Discount – Not all companies offer life insurance, but some may give you a lower price if you buy some life insurance in addition to your auto policy.
• Pay Upfront and Save – By paying your entire bill at once as opposed to paying monthly you may reduce your total bill.
• Buy New and Save – Adding a new car to your policy can cost up to 25% less because newer models are generally safer.
• Active Military Service – Having an actively deployed family member may qualify for rate reductions.
• Safety Restraint Discount – Drivers who require all vehicle occupants to buckle their seat belts may be able to save a few bucks off the PIP or medical payment premium.
• Theft Deterent Discount – Cars and trucks that have factory anti-theft systems are less likely to be stolen so companies will give you a small discount.

You can save money using discounts, but most discount credits are not given the the whole policy. Some only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, auto insurance companies aren’t that generous.

A list of auto insurance companies and their offered discounts can be read below.

• Travelers offers premium reductions for new car, save driver, continuous insurance, home ownership, driver training, and good student.
• 21st Century may include discounts for student driver, automatic seat belts, teen driver, early bird, theft prevention, and anti-lock brakes.
• State Farm includes discounts for student away at school, good driver, Drive Safe & Save, good student, passive restraint, Steer Clear safe driver discount, and accident-free.
• Geico offers discounts for military active duty, anti-lock brakes, good student, anti-theft, membership and employees, multi-vehicle, and multi-policy.
• SAFECO may offer discounts for homeowner, drive less, teen safe driver, anti-lock brakes, and accident prevention training.
• AAA policyholders can earn discounts including good student, multi-car, good driver, pay-in-full, and multi-policy.

When getting a coverage quote, ask every company which credits you are entitled to. Some discounts listed above might not be offered on policies in your area.

How much does car insurance cost?

Reducing your 1996 Chevy Corsica insurance rates can be surprisingly simple. Just take time getting comparison quotes online from several insurance companies. Insurance prices can be quoted using a couple different methods.

1. The most efficient method to compare a lot of rates at once is to use a rate comparison form click to view form in new window. This quick form keeps you from doing separate quotation requests for each company you want a rate for. Completing one form will return price quotes from car insurance companies with the best prices. This is perfect if you don’t have a lot of time.
2. Another way to find better pricing is to take the time to go to each company website and fill out a new quote form. For example, let’s assume you are doing a rate comparison from Liberty Mutual, 21st Century and Progressive. To get each rate you have to go to each individual site and type in your information over and over, which can get rather old.

   For a list of links to companies insuring cars in your area, click here.

3. The least recommended way to find cheaper rates is driving around to all the different insurance agencies. Comparing rates online has made agencies unnecessary unless your situation requires the trained guidance that only an agent can give. Although, it is possible price shop online and still use a local agent.

Whichever way you choose to compare rates, be certain you are entering exactly the same deductibles and coverage limits for each quote you get. If the quotes have higher or lower deductibles it’s not possible to make a fair rate comparison.

Situations that may require an agent’s advice

When buying the right insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Everyone’s situation is unique.

For example, these questions might point out if your situation might need an agent’s assistance.

• Should I rate my 1996 Chevy Corsica as pleasure use or commute?
• Do I pay less for low miles?
• Does coverage extend to a rental car in a foreign country?
• Am I covered when driving someone else’s vehicle?
• What is medical payments coverage?
• When should I remove comp and collision on my 1996 Chevy Corsica?
• Do I need added coverage for expensive stereo equipment?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Insurance coverage considerations

Having a good grasp of insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for immediate expenses like X-ray expenses, pain medications, hospital visits and surgery. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Corsica.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hail damage, hitting a bird and vandalism. The maximum amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto liability

Liability insurance will cover injuries or damage you cause to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000.

Liability can pay for things like attorney fees, medical expenses, court costs, medical services and funeral expenses. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Collision coverage protection

Collision insurance pays for damage to your Corsica resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, backing into a parked car, sustaining damage from a pot hole, hitting a mailbox and damaging your car on a curb. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

A little work can save a LOT of money

Some insurance providers may not provide price quotes online and most of the time these smaller companies work with local independent agencies. Budget-conscious 1996 Chevy Corsica insurance can be sourced both online in addition to many insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.

People switch companies for a variety of reasons including high prices, poor customer service, being labeled a high risk driver and lack of trust in their agent. It doesn’t matter what your reason, switching companies can be pretty painless.

As you prepare to switch companies, you should never skimp on critical coverages to save a buck or two. In many cases, someone dropped liability coverage limits and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible at the lowest possible cost while not skimping on critical coverages.

Even more information can be found in these articles:

• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Understanding your Policy (NAIC.org)
• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Crash Avoidance Technologies FAQ (iihs.org)