View 1991 Chevrolet Corsica Insurance Rates

Searching for better insurance rates for your Chevrolet Corsica? Finding affordable insurance online can seem to be somewhat intimidating for drivers new to comparing and buying insurance on the internet. With so many insurers available, how can you even start to compare every company in order to find the best available price?

Ways to get insurance quotes

Shopping for lower insurance rates can be challenging if you don’t understand the most efficient way. You could spend the better part of a day talking to agents in your area, or you can stay home and use online quoting to quickly compare rates.

The majority of car insurance companies participate in an industry program where insurance shoppers submit one quote, and each participating company returns a competitive quote for coverage. This prevents consumers from doing form submissions for each company.

To enter your information into the quoting system, click here to start a free quote.

The one disadvantage to using this type of system is that you can’t choose which companies to get pricing from. So if you want to choose from a list of companies for rate comparison, we have a page of low cost insurance companies in your area. Click here for list of insurance companies.

How you compare quotes is your choice, just make darn sure you compare apples-to-apples coverages and limits for each price quote. If you are comparing differing limits it will be very difficult to make an equal comparison. Having just a slight variation in limits may result in large price differences. And when comparing insurance rates, know that quoting more helps locate lower pricing.

Advertising and auto insurance

Auto insurance companies such as Allstate, GEICO and Progressive endlessly run television, radio, and online ads. All the companies advertise the message about how much you will save after switching to their company. That’s great but how can every company offer you a better deal? Here is the trick they use.

Many companies can use profiling for the type of driver that earns them the highest profit. One example of this type of risk profile might have to be over the age of 45, has never had a policy lapse, and drives a car with an anti-theft system. A customer who fits those characteristics will probably get cheap premium rates as well as save quite a bit of money when switching.

People who fall short of the requirements will have to pay higher rates and ends up with the customer not purchasing. The ad wording is “customers that switch” not “everyone that quotes” save that much when switching. That is how insurance companies can confidently make it sound like they have such great rates. Different companies use different criteria so you really should get as many free car insurance quotes as possible. Because you cannot predict the company that will have better prices than you’re paying now.

Five tips to get cheaper insurance prices

Lots of factors are considered when premium rates are determined. Some are pretty understandable like your driving record, but some are less obvious like where you live or your financial responsibility.An important part of buying insurance is that you know the factors that go into determining your premiums. When you know what positively or negatively impacts premium levels, this enables you to make decisions that can earn you big savings.

The itemized list below are some of the factors used by your company to calculate your premiums.

  • Premiums are affected by your credit rating – Having a bad credit score factor in calculating your premium rate. If your credit rating can be improved, you could save money insuring your 1991 Chevrolet Corsica if you clean up your credit. People with excellent credit scores tend to be better risks to insure as compared to drivers with lower ratings.
  • Safer vehicles cost less to insure – Vehicles with high crash test scores tend to have better insurance rates. Safer cars reduce the chance of injuries and better occupant protection means lower claim amounts passed on to you as lower rates. If your Chevy Corsica is rated at a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • More traffic equals higher premiums – Having an address in small towns and rural areas is a positive aspect when insuring your vehicles. City drivers have to deal with traffic congestion and higher rates of accident claims. Fewer drivers translates into fewer accidents.
  • Costs increase with policy add-ons – There are many optional add-on coverages that may not really be needed if you aren’t careful. Insurance for things like replacement cost coverage, accident forgiveness, and additional equipment coverage are some examples. The coverages may be enticing when you first buy your policy, but your needs may have changed so get rid of them and save.
  • Marriage discount – Your spouse may save some money compared to being single. Having a significant other translates into being more mature than a single person and insurance companies like that drivers who are married file infrequent claims.

These discounts can lower auto insurance rates

Car insurance companies don’t always list their entire list of discounts in a way that’s easy to find, so the following is a list of a few of the more well known and also the lesser-known discounts that may be available.

  • Anti-theft System – Cars equipped with anti-theft or alarm systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Distant College Student Discount – who attend college more than 100 miles from home without a vehicle on campus could get you a discount.
  • Seat Belt Usage – Requiring all passengers to fasten their seat belts could cut 10% or more off the medical payments premium.
  • Early Signing – A few auto insurance companies give discounts for buying a policy early. The savings is around 10%.
  • Drive Less and Save – Keeping the miles down on your Chevy can qualify you for discounted premium rates on garaged vehicles.
  • Military Deployment Discount – Being on active duty in the military could be rewarded with lower auto insurance rates.
  • Senior Discount – Seniors can possibly qualify for a small decrease in premiums on Corsica coverage.
  • Employee of Federal Government – Active or former government employment can earn a discount up to 10% on Corsica coverage depending on your auto insurance provider.
  • Paperwork-free – A few insurance companies will give you a small discount get car insurance over the internet.
  • Full Payment Discount – If you pay your bill all at once rather than paying in monthly installments you can avoid monthly service charges.

A little note about advertised discounts, some of the credits will not apply to the entire cost. The majority will only reduce specific coverage prices like comprehensive or collision. Despite the appearance that it’s possible to get free car insurance, you won’t be that lucky.

Popular auto insurance companies and a partial list of their discounts are outlined below.

  • GEICO offers discounts including multi-vehicle, membership and employees, good student, seat belt use, air bags, anti-theft, and multi-policy.
  • Travelers has discounts for IntelliDrive, payment discounts, home ownership, good student, multi-policy, early quote, and driver training.
  • Farm Bureau may offer discounts for driver training, 55 and retired, multi-policy, youthful driver, and multi-vehicle.
  • Liberty Mutual policyholders can earn discounts including newly retired, safety features, new graduate, multi-policy, teen driver discount, multi-car, and new vehicle discount.
  • American Family may include discounts for good student, defensive driver, good driver, accident-free, and bundled insurance.
  • Progressive offers premium reductions for multi-policy, online signing, continuous coverage, online quote discount, good student, homeowner, and multi-vehicle.

When getting free car insurance quotes, it’s a good idea to each insurance company how many discounts you can get. Some of the discounts discussed earlier may not apply to policyholders in your area. To locate companies with discount rates, follow this link.

When do I need an agent’s advice?

When choosing coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

For instance, these questions can help discover if your situation could use an agent’s help.

  • Does my policy pay for OEM or aftermarket parts?
  • Should I drop comprehensive coverage on older vehicles?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • What is the rate difference between pleasure use and commuting?
  • Why is insurance for a teen driver so high?
  • Is my 1991 Chevy Corsica covered for smoke damage?
  • Do I need medical payments coverage since I have good health insurance?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, complete this form.

Insurance coverage specifics

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as damage to your Chevy Corsica.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision insurance

This coverage pays for damage to your Corsica resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as rolling your car, hitting a parking meter, damaging your car on a curb and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for expenses such as dental work, pain medications and ambulance fees. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Coverage for liability

This protects you from damage or injury you incur to people or other property in an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things such as repair costs for stationary objects, pain and suffering, emergency aid, funeral expenses and loss of income. How much coverage you buy is a personal decision, but buy higher limits if possible.

Comprehensive coverage

Comprehensive insurance covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, a tree branch falling on your vehicle, falling objects, hitting a deer and damage from a tornado or hurricane. The most 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 not worth carrying full coverage.

In the end, you save

We just presented a lot of ways to lower your 1991 Chevy Corsica insurance premium rates. The key thing to remember is the more quotes you get, the higher your chance of finding cheap car insurance. Consumers may even find the lowest premium rates are with a lesser-known regional company.

Lower-priced 1991 Chevy Corsica insurance can be sourced both online in addition to local insurance agencies, so you need to quote car insurance with both to have the best chance of lowering rates. Some insurance companies don’t offer online price quotes and usually these smaller providers sell through local independent agencies.

While you’re price shopping online, it’s a bad idea to buy poor coverage just to save money. In many instances, someone sacrificed uninsured motorist or liability limits and discovered at claim time that it was a big error on their part. Your focus should be to buy a smart amount of coverage at the best possible price, not the least amount of coverage.

Much more information about insurance coverage can be found at the links below