Save on 2001 Chevrolet Metro Car Insurance Quotes

As a sidenote, most credits do not apply the the whole policy. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though you would think you would end up receiving a 100% discount, insurance coverage companies aren’t that generous.

For a list of companies who offer discounts, click here to view.

Will just any policy work for me?

When buying the best car insurance coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions might point out if you would benefit from an agent’s advice.

• Am I getting all the discounts available?
• Is my 2001 Chevy Metro covered for flood damage?
• Does my personal policy cover me when driving out-of-state?
• How many claims can I have before being cancelled?
• Do I benefit by insuring my home with the same company?
• Is my Chevy Metro covered if I use it for business?
• How much liability coverage do I need in my state?
• Is there coverage for injuries to my pets?
• Do I need motorclub coverage?
• When should I drop full coverage on my 2001 Chevy Metro?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies.

The largest companies are not always cheapest

Insurance companies such as Progressive, Geico, Allstate and State Farm consistently run ads on TV and radio. They all seem to tend to make the same promise about how much you will save if you switch your coverage. But how can every company have lower policy pricing? Just pay attention to how they say it.

Most companies provide the lowest rates for the right customer that will generate a profit. One example of a preferred risk may be between 30 and 50, has no prior claims, and drives a safe vehicle. Someone who matches that profile will get low premium rates and will most likely cut their rates if they switch.

Drivers who do not fit these stringent criteria may be required to pay a higher premium and this can result in the customer not purchasing. The ads say “customers who switch” not “everybody who quotes” can save as much as they claim. That’s the way companies can truthfully state the savings. That is why you should compare price quotes frequently. You cannot predict the company that will provide you with the cheapest rates.

What car insurance coverages do you need?

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. These are the normal coverages found on most car insurance policies.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses for hospital visits, nursing services and X-ray expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Collision insurance

Collision insurance pays to fix your vehicle from damage 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 coverage protects against claims like crashing into a ditch, scraping a guard rail, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability coverages

Liability coverage provides protection from damage that occurs to a person or their property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability can pay for things like attorney fees, medical services, legal defense fees and medical expenses. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hail damage, fire damage, a broken windshield, damage from a tornado or hurricane and vandalism. The most your car insurance company will pay 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.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Save for a rainy day

We just presented a lot of tips how to compare 2001 Chevy Metro insurance car insurance rates online. It’s most important to understand that the more you quote insurance coverage, the higher your chance of finding low cost insurance coverage. Consumers may even find the lowest car insurance rates come from a small local company. Regional companies can often provide lower premium rates in certain areas than the large multi-state companies such as Allstate or State Farm.

As you restructure your insurance plan, never skimp on coverage in order to save money. There are too many instances where consumers will sacrifice liability coverage limits only to regret at claim time they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at the best price, but don’t skip important coverages to save money.

Other information

• Side Impact Crash Tests (iihs.org)
• Child Safety Seats (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Uninsured Motorist Statistics (Insurance Information Insitute)
• State Car Insurance Guides (Geico)