Compare 1999 Chevrolet Prizm Insurance Cost

Trying to find cheaper car insurance rates for your Chevrolet Prizm? Searching for cheaper insurance for a Chevy Prizm can be a painful process, but you can follow a few tricks to find lower rates. There is a right way and a wrong way to buy car insurance so we’re going to tell you the best way to quote coverages for a new or used Chevy and obtain the best price possible.

Smart consumers take time to compare premium rates occasionally because car insurance rates change quite often. Despite the fact that you may have had the lowest rate on Prizm insurance on your last policy the chances are good that you can find a lower price today. There is lot of inaccurate information about car insurance on the internet, but by reading this article, you’re going to learn the best ways to quit paying high car insurance rates.

Smart buyers save money

When buying insurance it’s important to understand the factors that aid in calculating your premiums. If you have a feel for what impacts premium levels, this allows you to make good choices that can earn you better insurance rates.

• Lower rates for safer vehicles – Cars with five star safety ratings tend to be cheaper to insure. Vehicles engineered for safety reduce occupant injuries and reduced instances of injuries translates directly to fewer claims and more competitive rates for policyholders. If the Chevy Prizm is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
• Improve your credit rating and save – Your credit score can be a huge factor in calculating your insurance rates. Consumers who have high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower ratings. Therefore, if your credit score could use some work, you could potentially save money when insuring your 1999 Chevrolet Prizm if you clean up your credit.
• Multi-policy discounts can save money – Many insurance companies allow better rates for people that buy multiple policies. It’s known as a multi-policy discount. Even if you’re getting this discount it’s always a smart idea to get quotes from other companies to verify if the discount is saving money.
• Driving citations inflate prices – Whether or not you get tickets can have a huge impact on auto insurance premiums. Having just one chargable violation can increase the cost of insurance twenty percent or more. Attentive drivers get better prices than people who have multiple driving citations. Drivers with severe citations like DUI or willful reckless driving might be required by their state to prove financial responsibility with their state’s licensing department in order to continue driving.
• Premiums and vocation – Did you know your insurance rates can be affected by your occupation? Careers such as fire fighterspolice officers and miners generally pay the highest rates because of stressful work requirements and long work hours. On the flip side, professions such as actors, historians and homemakers pay lower than average rates on Prizm insurance.
• Lower prices for being claim-free – If you’re an insured who likes to file claims you shouldn’t be surprised to get much higher rates or policy non-renewal. Insurance companies generally give the best rates to drivers who file claims infrequently. Auto insurance is intended for larger claims.
• Your spouse saves you money – Walking down the aisle can actually save you money when buying insurance. Having a spouse demonstrates that you tend to be more mature and responsible and it’s proven that drivers who are married file infrequent claims.
• Liability is cheap – Liability insurance will provide protection when you are determined to be liable for causing personal injury or damage in an accident. Liability provides you with a defense in court to defend your case. This coverage is very inexpensive when compared with rates for comp and collision, so buy as much as you can afford.

Discounts for cheaper insurance coverage rates

Car insurance can cost a lot, but you may be missing some discounts to help offset the cost. A few discounts will automatically apply at the time you complete a quote, but some must be requested specifically in order for you to get them.

• Club Memberships – Having an affiliation with qualifying clubs or civic groups can get you a small discount on insurance coverage.
• ABS and Traction Control Discounts – Cars, trucks, and SUVs that have anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
• Data Collection Discounts – People who choose to allow driving data collection to analyze vehicle usage through the use of a telematics system such as Progressive’s Snapshot may see discounts if their driving habits are good.
• Discounts for Federal Employees – Employees or retirees of the government could qualify for a slight premium decrease on Prizm insurance depending on your insurance coverage provider.
• Theft Deterent System – Cars with anti-theft systems can help prevent theft and will qualify for a discount on a insurance coverage quote.
• More Vehicles More Savings – Insuring primary and secondary vehicles on one policy can get a discount for every vehicle.
• Early Renewal Discounts – Some insurance companies provide a discount for renewing your policy prior to your current policy expiration. This discount can save up to 10%.

As is typical with insurance, most of the big mark downs will not be given to the entire cost. A few only apply to the price of certain insurance coverages like comp or med pay. Just because you may think it’s possible to get free car insurance, companies don’t profit that way.

The best insurance coverage companies and some of the premium reductions they offer are outlined below.

• Geico has discounts for federal employee, five-year accident-free, military active duty, defensive driver, and seat belt use.
• SAFECO may include discounts for teen safe driver, homeowner, teen safety rewards, anti-lock brakes, accident prevention training, and safe driver.
• State Farm includes discounts for multiple policy, student away at school, driver’s education, good driver, and accident-free.
• MetLife offers discounts including accident-free, claim-free, defensive driver, good student, multi-policy, and good driver.
• 21st Century has savings for automatic seat belts, defensive driver, 55 and older, air bags, anti-lock brakes, early bird, and teen driver.
• Progressive discounts include online quote discount, online signing, multi-policy, multi-vehicle, and good student.

When comparing rates, check with all companies you are considering which discounts can lower your rates. Discounts might not apply in your area. If you would like to choose from a list of insurance companies that offer some of these discounts, follow this link.

Tailor your auto insurance coverage to you

When it comes to choosing the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions might point out if your insurance needs may require specific advice.

• Do I need an umbrella policy?
• Do I have any recourse if my insurance company denies a claim?
• Is extra glass coverage worth it?
• Exactly who is provided coverage by my policy?
• Is my camper covered by my car insurance policy?
• Am I covered when driving on a suspended license?
• Does coverage extend to Mexico or Canada?
• What can I do if my company denied a claim?
• What are the financial responsibility laws in my state?
• What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with an agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and can provide invaluable advice.

Insurance coverages and their meanings

Learning about specific coverages of your insurance policy can help you determine which coverages you need and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability insurance – This coverage protects you from damage that occurs to a person or their property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like emergency aid, loss of income and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Chevy Prizm.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from 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 things such as vandalism, a tree branch falling on your vehicle, theft, rock chips in glass and damage from flooding. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as colliding with a tree, damaging your car on a curb, hitting a mailbox and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as pain medications, prosthetic devices and rehabilitation expenses. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

In conclusion

A few companies do not provide online price quotes and these small insurance companies sell through independent insurance agencies. Cheap 1999 Chevy Prizm insurance is attainable both online and from local agencies, and you need to comparison shop both to have the best chance of lowering rates.

We just covered many ways to save on 1999 Chevy Prizm insurance. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. Consumers may even find the best price on auto insurance is with the smaller companies.

Insureds switch companies for a variety of reasons including high prices, being labeled a high risk driver, delays in responding to claim requests and even policy cancellation. No matter why you want to switch, switching auto insurance companies can be easier than you think.

More tips and info about auto insurance is available by following these links:

• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Uninsured Motorists: Threats on the Road (Insurance Information Insitute)
• Choosing a Car for Your Teen (State Farm)
• Teen Driver Licensing Information (iihs.org)
• Get the Right Protection (InsureUonline.org)