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.
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.
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.
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.
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.
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.
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.
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
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:
Valda Camacho
Got pretty cheap 1999 Chevrolet Prizm insurance from 21st Century in Aurora, IL.
Reanna Sears
I’m in the suburbs of Raleigh, North Carolina. Got car insurance quotes from Progressive, Hartford, and Eastwood for my 1999 Chevrolet Prizm and I’m now saving $23 a month. Even increased my liability limits. It never hurts to quote around.
Velia Walls
Lots of good stuff here. Live in the southern part of Lexington, Kentucky. Compared rates from a lot of places. Saved roughly $20 a month. Allstate was the cheapest for me. Left Allstate to switch. Not sure if rates are cheaper online or through an agent.
Toya Gates
Not sure if this is cheap. I’m in the south part of Charleston, SC. Got car insurance rates from Progressive, AAA, and Eastwood for my 1999 Chevrolet Prizm and I’m now saving $20 a month. Insured with Nationwide before. God forbid I actually have a claim. I don’t put full coverage on it.
Monnie Nash
It all costs too much. I live north of Charleston, WV. I got free prices from Allstate, Liberty Mutual, and Encompass for my Prizm and saved $103 a year. I only have liability coverage on it.
Yoshiko Hess
I’m looking for cheaper coverage. I’m in the suburbs of Cranston, RI. Quoted with GEICO, Encompass, and Hanover for my 1999 Chevrolet Prizm and saved $75 a year. Was with Farmers. Online quotes are the way to go. I think I’ll get rid of full coverage next time.
Dean Adams
I found pretty cheap rate quotes for a 1999 Chevrolet Prizm in Portland, ME. Ended up at roughly $120 every six months with Auto-Owners. :P
Elisha Carr
I live west of Milwaukee, WI. I got free rates from Auto-Owners, Sentry, and some smaller one I can’t remember the name of for my 1999 Chevrolet Prizm and I think I saved around $30 each month. Got better coverage too. They offer free online rate quotes. Not worth enough to pay for comprehensive and collision.
Susan Ruiz
I’m in the west part of Kansas City, MO. Quoted a bunch of companies. Saved about $30 a month. Allstate was the most affordable for me. Was with AAA. I quoted rates online then called them. My Chevrolet doesn’t have full coverage.
Keesha Pitts
I found cheap 1999 Chevrolet Prizm insurance in Mesa, Arizona with Progressive.
Markita Wooten
Lifelong resident of Boston, Massachusetts, and Allstate rates were best. Thankfully I have a good driving record. Hardly afford to drive anymore. I don’t put full coverage on it.
Leana Stein
Does 21st Century have good claim service?
Otilia Rasmussen
Live in Atlanta, Georgia. Quoted with AIG Insurance, Nationwide, and a few others for my Chevrolet and saved $118 a year. Moved home policy as well. I just carry liability insurance.
Rosena Clements
If you have a clean record and live in the vicinity of Madison, WI, check out State Farm. You might get cheaper rates. Insured with Mercury before. They offer free online rate quotes.
Kay Robinson
IT’S ALL TOO EXPENSIVE! I’m in the suburbs of Milwaukee, WI. Quoted prices from Auto-Owners, Nationwide, and some smaller one I can’t remember the name of for my 1999 Chevrolet Prizm and saved around $70 a year. Even increased coverage a bit. They were helpful in switching over.
Ceola Webb
Quoted with Farmers for my 1999 Chevrolet Prizm and am saving around $80 a year. Insured with AAA before. Even increased my liability limits. Just liability coverage since it’s getting old.