View 2001 Chevrolet Prizm Car Insurance Quotes

Looking for the cheapest insurance rates for your Chevrolet Prizm? Comparing and finding more affordable prices for insurance is always hard for drivers who are beginners to online rate comparisons. Consumers have so many options available that it can be a real challenge to find the perfect company for you.

Insurance quotes comparison

Most larger insurance companies like 21st Century, Allstate and State Farm give prices for coverage on the web. Getting prices online is pretty easy as you just type in the amount of coverage you want as requested by the quote form. When complete, their rating system makes automated requests for your credit score and driving record and gives you a price quote based on the information you submitted.

Online price estimates simplifies rate comparisons, but the time it takes to visit different websites and type in the same information gets old quite quickly. But it is imperative to compare as many rates as possible in order to find the lowest possible prices on insurance.

The quickest way to lower your rates utilizes a single form to obtain quotes from more than one company. It’s a real time-saver, requires less work, and makes price shopping online much easier to do. After sending the form, it gets priced and you can choose any of the resulting price quotes. If you find a better price you can simply submit the application and buy the new coverage. The entire process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

If you want to find out how much you can save on insurance, click here to open in a new tab and enter your vehicle and coverage information. To compare your current rates, we recommend you input the coverage information identical to your current policy. This way, you will get rate quotes based on similar coverages.

Insurance coverage policy discounts

Insurance coverage is not an enjoyable expense, but there may be some discounts to help bring down the price. A few discounts will be applied at quote time, but a few must be inquired about in order for you to get them. If you check and find you aren’t receiving every discount available, you’re just leaving money on the table.

• Bundle and Save – If you combine your home and auto policies with one company you could earn a discount of up to 20% and get you cheap insurance.
• Seat Belt Discounts – Requiring all passengers to buckle their seat belts could save 15% off the PIP or medical payment premium.
• Fewer Miles Equal More Savings – Fewer annual miles on your Chevy may allow you to get substantially lower premium rates.
• Senior Citizen Discount – Mature drivers may be able to get a discount up to 10% for Prizm insurance.
• Online Discount – Some insurance companies give back up to $50 get insurance on your computer.
• Buy New and Save – Putting insurance coverage coverage on a new car can save up to 30% because new vehicles are generally safer.

One last thing about discounts, some of the credits will not apply to the entire policy premium. Most only apply to specific coverage prices like comprehensive or collision. So when the math indicates all the discounts add up to a free policy, nobody gets a free ride.

Larger insurance coverage companies and a selection of discounts are included below.

• Progressive has savings for homeowner, multi-policy, continuous coverage, multi-vehicle, good student, and online signing.
• Geico includes discounts for anti-lock brakes, federal employee, military active duty, membership and employees, good student, multi-vehicle, and multi-policy.
• State Farm offers premium reductions for anti-theft, Steer Clear safe driver discount, safe vehicle, defensive driving training, multiple autos, and Drive Safe & Save.
• Esurance discounts include defensive driver, Pac-12 alumni, paid-in-full, renters, anti-lock brakes, online quote, and multi-car.
• The Hartford policyholders can earn discounts including anti-theft, vehicle fuel type, defensive driver, driver training, good student, and bundle.

If you want inexpensive insurance quotes, ask all the companies to give you their best rates. Some discounts may not apply to policies everywhere. If you would like to choose from a list of insurance companies that provide some of the discounts listed above, click this link.

How do I know if I need professional advice?

When it comes to buying proper insurance coverage, there really is not a cookie cutter policy. Each situation is unique.

Here are some questions about coverages that can aid in determining whether you could use an agent’s help.

• How do I buy GAP insurance?
• Does coverage extend to my business vehicle?
• Does my liability insurance cover pulling a trailer or camper?
• Does my insurance cover a custom paint job?
• When should I buy a commercial auto policy?
• Will my rates increase for filing one claim?
• What is covered by UM/UIM coverage?
• Why am I required to get a high-risk car insurance policy?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form.

Four things that influence your insurance costs

Many different elements are taken into consideration when quoting car insurance. Some factors are common sense like your driving record, although some other factors are less apparent such as your marital status or how safe your car is.

The following are a partial list of the pieces companies use to determine your rate level.

• Your age impacts your premiums – Teenage drivers are statistically proven to be inattentive and easily distracted in a vehicle so they pay higher auto insurance rates. Older drivers are proven to be safer behind the wheel, statistically cause fewer accidents and receive fewer citations.
• Are women or men drivers cheaper? – Statistics demonstrate that females tend to be a little less risky than males. However, don’t assume that men are WORSE drivers than women. Females and males have accidents at about the same rate, but guys tend to have more serious accidents. Not only are claims higher, but men get higher numbers of serious violations like driving under the influence (DUI). Male teenagers generally have the highest accident percentage and therefore have the most expensive auto insurance rates.
• Annual mileage impacts prices – The higher the mileage driven annually the higher the price you pay to insure it. A lot of companies charge rates based on how the vehicle is used. Cars that do not get driven very much can get a lower rate as compared to vehicles used primarily for driving to work. Ask your agent if your policy is showing the correct driver usage, because it can save money. Improper usage on your Prizm may be costing you higher rates.
• A lcoverage lapse is a bad thing – Having a gap between insurance policy dates is a quick way to pay more for auto insurance. And not only will insurance be more expensive, being ticketed for driving with no insurance can result in a license revocation or jail time.

Learn about insurance coverages for a 2001 Chevy Prizm

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be confusing and coverage can change by endorsement.

Medical payments and PIP coverage

Med pay and PIP coverage pay for immediate expenses for X-ray expenses, nursing services and EMT expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision insurance pays for damage to your Prizm caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things like damaging your car on a curb, rolling your car, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, theft, rock chips in glass, vandalism and damage from getting keyed. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and damage to your Chevy Prizm.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Liability coverages

This coverage can cover injuries or damage you cause to other people or property. This insurance protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as pain and suffering, court costs, emergency aid and structural damage. The amount of liability coverage you purchase is your choice, but you should buy as high a limit as you can afford.

Pennies from heaven

Consumers change insurance companies for a variety of reasons including high prices, lack of trust in their agent, unfair underwriting practices or even poor customer service. No matter why you want to switch, finding a great new company can be less work than you think.

When trying to cut insurance costs, it’s a bad idea to buy less coverage just to save a little money. There are many occasions where drivers have reduced comprehensive coverage or liability limits only to regret that it was a big mistake. The aim is to get the best coverage possible for the lowest price, not the least amount of coverage.

The cheapest 2001 Chevy Prizm insurance is possible on the web in addition to many insurance agents, so you need to quote insurance with both in order to have the best price selection to choose from. Some insurance companies may not offer the ability to get quotes online and usually these smaller companies only sell through independent agents.

For more information, feel free to visit the articles below:

• Prepare your Teens for Safe Driving (InsureUonline.org)
• Determing Auto Insurance Rates (Geico)
• What is Covered by GAP Insurance? (Allstate)
• Understanding Car Crashes Video (iihs.org)
• Parking Tips to Reduce Door Dings (State Farm)