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.
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 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.
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.
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.
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.
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.
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.
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.
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:
Deonna Crawford
Cheaper not always better. Live in Manchester, NH. Went online for free insurance quotes for a 2001 Chevrolet Prizm. Ended up at about $70 savings annually. Went with Progressive. I got prices on the web. When should I drop full coverage?
Boyce Alford
I compared a lot of rate quotes for a 2001 Chevrolet Prizm in Louisville, Kentucky. Ended up at darn near $110 every six months with AIG Insurance. I get multi-vehicle and multi-policy discounts. I got a quote from their website.
Valerie Levy
If you have a clean record and are close to Rochester, MN, check out Progressive. You might save some money. :P Next renewal I’ll just do liability.
Clarence Blackwell
If you’re around Rapid City, SD try Allstate and GEICO and see which is cheaper.
Julianna Keller
Great info, thanks for posting. I live just outside Aurora, CO. Quoted a bunch of companies. Saved roughly $20 a month. GEICO was the most affordable for me. Hardly afford to drive anymore. I just carry liability insurance.
Mireille Ortiz
Located in Hilo, HI. Got car insurance quotes from Amica, Nationwide, and some smaller one I can’t remember the name of for my Chevrolet and saved just over $60 a year. I think they have home insurance too. Full coverage costs too much.
Jesica Bradford
Mine is so expensive. I live in a small town just outside of Warren, MI. I don’t recall every quote but I ended up saving about $20 each month. Not worth enough to pay for comprehensive and collision.
Brigida Gilbert
Quoted with Auto-Owners for my 2001 Chevrolet Prizm and cut my rates about $60 a year. Was with Encompass. It’s still not cheap enough. Only insure liability on my Chevrolet.
Venetta Boone
Does Progressive have good customer service?
Vanna Monroe
Here’s what I found out. I’m in the suburbs of Evansville, Indiana. Compared quite a few companies. Saved right around $20 a month. Progressive was the best choice for me. Left USAA to switch. I dropped full coverage awhile back.
Ilene Clarke
Does State Farm offer new car replacement?
Kellie Ochoa
Not sure what I should be paying. I’m in the west part of Des Moines, IA. Quoted with 21st Century, American Family, and Encompass for my 2001 Chevrolet Prizm and saved $77 a year. I get a discount for insuring multiple vehicles. I just carry liability insurance.
Rochel Burton
Why are claims settled so low?
Cary Norris
I found affordable 2001 Chevrolet Prizm insurance from 21st Century in Saint Louis, Missouri.
Zetta Wagner
I think I’m paying too much. I’m in Milwaukee, WI. I compared lots of rates. Saved roughly $20 a month. 21st Century was the best choice for me. BTW speeding tickets are not good. Hardly afford to drive anymore.