Cheaper 1998 Chevrolet Metro Insurance Cost

Scraping up a payment for pricey Chevrolet Metro insurance can take a big chunk out of your family’s budget and maybe even restrict other spending.

Many car insurance companies compete for your hard-earned dollar, and because of this it can be hard to compare insurers and get the best coverage at the lowest cost out there.

If you currently have a car insurance policy, you should be able to lower your premiums substantially using these tips. Buying car insurance is not that difficult. But car owners can benefit by having an understanding of how companies compete online because it can help you find the best coverage.

First Step: Get free insurance quotes

There are multiple methods to compare insurance prices but some are less labor-intensive and much quicker. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you could save time and use the internet to get pricing more quickly.

The majority of car insurance companies take part in a program that enables customers to enter their coverage request one time, and each participating company returns a rated price based on that information. This prevents consumers from doing quotation requests to each company.

To compare pricing click here to open in new window.

The only downside to doing it this way is you are unable to specify the providers to get quotes from. So if you prefer to pick individual companies to compare prices, we have assembled a list of the cheapest insurance companies in your area. Click here to view list.

Whichever way you choose to compare rates, ensure you are comparing the exact same coverages on every quote. If you have different liability limits it’s impossible to find the best deal for your Chevy Metro. Quoting even small variations in insurance coverages could mean much higher rates. Just keep in mind that comparing more rates from different companies helps you find a lower rate.

Lower rates by qualifying for discounts

Not many people think insurance is cheap, but you might already qualify for some discounts to help offset the cost. Many of these discounts will be applied automatically at the time you complete a quote, but some need to be specially asked for before you will receive the discount. If you don’t get every credit you qualify for, you could be getting lower rates.

• Telematics Devices – Drivers who elect to allow their company to analyze driving patterns by using a telematics device like Allstate’s Drivewise could see a rate decrease if they have good driving habits.
• Distant Student Discount – who live away from home to go to college and leave their car at home can receive lower rates.
• Drivers Education – Teen drivers should complete a driver education course as it can save substantially.
• Safety Restraint Discount – Drivers who require all occupants to buckle up before driving can save up to 10 percent (depending on the company) on medical payment and PIP coverage.
• Policy Bundle Discount – When you combine your home and auto insurance and insure them both with the same insurance company you may earn over 10 percent off each policy depending on the company.
• Multiple Vehicles – Buying a policy with primary and secondary vehicles with the same auto insurance company can get a discount for every vehicle.
• Discount for Home Ownership – Owning a home can get you a discount because it is proof that your finances are in order.
• Government Employees – Employees or retirees of the government can save as much as 8% on Metro insurance with certain companies.

A little disclaimer on discounts, some credits don’t apply to the overall cost of the policy. A few only apply to the price of certain insurance coverages like comp or med pay. So when it seems like you would end up receiving a 100% discount, nobody gets a free ride.

Some of the insurance companies that may include these benefits include:

• Geico
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

When comparing rates, check with all the companies how many discounts you can get. A few discounts might not be offered in your state. To view insurers with discount rates, follow this link.

Car insurance is unique, just like you

When it comes to choosing adequate coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.

• Do I have newly-aquired coverage?
• Should I have a commercial auto policy?
• Do I have coverage if my license is suspended?
• What if I don’t agree with a claim settlement offer?
• How do I insure my teen driver?
• Am I covered if my car is in a flood?
• Am I covered if hit by an uninsured driver?
• Is business equipment covered while in my vehicle?
• How does medical payments coverage work?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Information about specific coverages

Knowing the specifics of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages offered by insurance companies.

Uninsured or underinsured coverage

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time these coverages are similar to your liability insurance amounts.

Comprehensive protection

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as falling objects, rock chips in glass, theft and a broken windshield. The maximum payout your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as X-ray expenses, dental work, hospital visits, pain medications and nursing services. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Liability insurance

Liability coverage can cover damage that occurs to a person or their property that is your fault. It protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims like repair costs for stationary objects, court costs, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Collision insurance

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with another moving vehicle, damaging your car on a curb, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.