Cheap 1999 Chevrolet Metro Car Insurance Quotes

Nobody that owns a car likes having to buy car insurance, particularly when the cost is too high. Companies like State Farm, Progressive and Geico all claim big savings with ad campaigns and it is difficult to not get sucked in by the cute commercials and take the time to shop coverage around.

If you have a policy now or are looking for a new policy, you can follow these tips to get lower rates while maintaining coverages. Buying car insurance is not rocket science. Drivers just need to learn the tricks to compare prices online.

More discounts mean lower-cost premiums

Insurance coverage is not cheap nor is it fun to buy but there are discounts available that you may not even be aware of. Many of these discounts will be applied automatically at the time of purchase, but some must be inquired about before being credited. If you aren’t receiving every discount you deserve, you’re paying more than you need to.

• Lower Rates for Military – Having a deployed family member can result in better premium rates.
• Good Student – Excelling in school can get you a discount of up to 25%. You can use this discount normally well after school through age 25.
• Driving Data Discount – Drivers who elect to allow companies to spy on where and when they drive through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive could save a few bucks if they are good drivers.
• Driver’s Education for Students – Cut your cost by having your teen driver enroll and complete driver’s education in school.
• Mature Driver Discount – If you’re over the age of 55, you could receive better insurance coverage rates for Metro insurance.
• Defensive Driving Course – Taking part in a defensive driving course can save you 5% or more if you qualify.
• ABS Braking Discount – Cars and trucks with anti-lock braking systems are safer to drive and therefore earn up to a 10% discount.
• Multi-Vehicle Discounts – Buying insurance for primary and secondary vehicles on a single policy may reduce the rate for each vehicle.
• Discount for Swiching Early – Some larger companies reward drivers for switching companies prior to the expiration date on your current policy. You can save around 10% with this discount.
• Low Miles Discount – Fewer annual miles on your Chevy could earn cheaper premium rates.

We need to note that most credits do not apply to your bottom line cost. Some only apply to individual premiums such as liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, you’re out of luck. But all discounts will help lower the cost of your policy.

Auto insurance companies that may offer quotes with some of the discounts shown above are:

• State Farm
• Nationwide
• Geico
• AAA
• 21st Century
• The Hartford

Double check with every insurance company which discounts can lower your rates. A few discounts might not be available to policyholders in your area. To see a list of providers that offer many of these discounts, click here to view.

Compare insurance coverage rate quotes online

Getting cheaper 1999 Chevy Metro insurance coverage pricing is actually easier than you may think. The only requirement is to spend a few minutes on the computer comparing price quotes from online providers. This is very easy and can be done using a couple different methods.

The easiest and least time consuming way to get quotes for comparison is to use a rate comparison form like this one (opens in new window). This method prevents you from having to do separate quote forms for each company. Just one form will return price quotes from many national carriers.

A slightly less efficient method to compare rate quotes consists of going to the website for each individual company to request a price quote. For examples sake, we’ll pretend you want to compare rates from Geico, 21st Century and Allstate. You would be required to spend time going to each site individually and repeatedly enter your information, and that’s why the first method is more popular. For a list of companies in your area, click here.

The last way to find lower rates is calling or driving to insurance agents’ offices. Quoting and buying insurance online has made agencies unnecessary unless you prefer the professional advice of an agent trained in personal lines coverage. Drivers can compare the best prices online but have your policy serviced through an agent.

You can use whichever method you prefer to find lower rates, just make absolute certain that you use exactly the same coverage data with each company. If you compare differing limits it will be nearly impossible to decipher which rate is best.

It’s not one size fits all

When it comes to buying the right insurance coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions can help discover if your insurance needs would benefit from an agent’s advice.

• Is my cargo covered for damage or theft?
• What is an SR-22 filing?
• What is medical payments coverage?
• Is my vehicle covered by my employer’s policy when using it for work?
• Should I drop comprehensive coverage on older vehicles?
• Will I lose any money if I cancel my policy before it expires?
• Why am I required to buy high-risk coverage?
• Does insurance cover tools stolen from my truck?

If you can’t answer these questions then you might want to talk to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and you can get the answers you need.

Insurance specifics

Understanding the coverages of your insurance policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverage types offered by insurance companies.

Collision coverage

This coverage pays for damage to your Metro resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like damaging your car on a curb, rolling your car and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Liability

Liability insurance provides protection from damages or injuries you inflict on people or other property. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like bail bonds, repair costs for stationary objects and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

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

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 is important protection for you and your family. Usually these coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, hitting a bird, vandalism and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like X-ray expenses, nursing services and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

You can do this!

In this article, we presented some good ideas how you can reduce 1999 Chevy Metro insurance prices online. The key thing to remember is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the best price on insurance is with a company that doesn’t do a lot of advertising. These companies may have significantly lower rates on certain market segments compared to the large companies like State Farm or Progressive.

As you shop your coverage around, it’s not a good idea to buy less coverage just to save a little money. There have been many cases where consumers will sacrifice liability limits or collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to purchase plenty of coverage for the lowest cost while not skimping on critical coverages.

To read more, feel free to visit the resources below:

• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Vehicle Insurance in the U.S. (Wikipedia)
• Medical Payments Coverage (Liberty Mutual)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Think You’re a Safe Driver? (State Farm)