Cheap 2002 Chevrolet Prizm Insurance Quotes

I can’t think of a single person who anticipates paying for insurance coverage, particularly when their premiums are too high. Because there are so many online and local companies to choose from, it is very difficult to pick the best company.

This article will teach you the best way to quote coverages and some money-saving tips. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these techniques. Drivers just need to know the tricks to get comparison rates over the internet.

How to get insurance rate quotes

There are multiple methods you can shop for insurance but there is one way that is less labor-intensive and much quicker. You can spend your afternoon talking about coverages with agents in your area, or you can stay home and use online quotes to get the quickest rates.

Many companies belong to a marketplace that enables customers to submit one quote, and each company returns a competitive quote for coverage. This prevents consumers from doing quote forms for every insurance company.

To compare rates now click here to open in new window.

The single downside to doing it this way is you cannot specify the insurers to receive prices from. If you wish to select specific insurance companies to request quotes from, we put together a list of companies who write insurance in your area. View list of insurance companies.

The approach you take is up to you, just double check that you are using identical coverage limits and deductibles for every company. If you use different deductibles it will be very difficult to determine the best price for your Chevy Prizm.

Cheaper rates with discounts

Buying insurance coverage is not cheap, but there could be significant discounts that you may not know about. Most are applied at the time you complete a quote, but a few need to be asked about before being credited.

• Passive Restraints – Vehicles with factory air bags may get savings of 20 to 30 percent.
• Auto/Home Discount – If you have multiple policies with the same insurance company you may earn at least 10 to 15 percent or more.
• Drive Safe and Save – Drivers who avoid accidents can save as much as half off their rates on Prizm coverage than their less cautious counterparts.
• Low Mileage – Low mileage vehicles could qualify for cheaper prices.
• Accident Waiver – Not necessarily a discount, but some companies like Geico and Liberty Mutual may permit one accident without the usual rate increase if you are claim-free for a specific time period.
• Student in College – College-age children living away from home attending college and don’t have a car could qualify for this discount.
• Discount for Life Insurance – Insurance companies who offer life insurance give a small discount if you purchase some life insurance too.
• Good Grades Discount – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
• No Accidents – Drivers who stay claim-free get the best insurance coverage rates as opposed to bad drivers.
• Organization Discounts – Being a member of specific professional or occupational memberships or organizations could qualify you for a break on your next insurance coverage statement.

Discounts save money, but please remember that most credits do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you can get free auto insurance, companies wouldn’t make money that way. But any discount will cut your overall bill.

To find insurance coverage companies with the best discounts, click here.

What is the best auto insurance coverage?

When it comes to buying the right insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique and your policy should reflect that. For instance, these questions can aid in determining whether or not you would benefit from professional advice.

• What is the rate difference between pleasure use and commuting?
• Am I covered if I hit a deer?
• Should I get collision insurance on every vehicle?
• Should I carry comprehensive and collision coverage?
• What are the financial responsibility laws in my state?
• Do I need replacement cost coverage on my 2002 Chevy Prizm?
• Do I pay less if my vehicle is kept in my garage?
• What if I total my 2002 Chevy Prizm and owe more than it’s worth?
• Can I rent a car in Mexico?
• What is an SR-22 filing?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of auto insurance companies in your area. It’s fast, free and may give you better protection.

Coverages available on your policy

Learning about specific coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages offered by insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Collision coverage protection

This will pay to fix damage to your Prizm from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as scraping a guard rail, rolling your car, colliding with another moving vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible to bring the cost down.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for expenses for things like EMT expenses, pain medications, chiropractic care, nursing services and surgery. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Auto liability

This coverage will cover damages or injuries you inflict on a person or their property that is your fault. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 50/100/50 that translate to a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like funeral expenses, court costs, legal defense fees, structural damage and emergency aid. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a deer, vandalism, fire damage, hitting a bird and hail damage. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.