Cheaper 1994 Chevrolet Beretta Insurance Quotes

Trying to find better insurance prices for a Chevy Beretta can normally be a painful process, but you can learn a few tricks and make it easy.

There are both good and bad ways to shop for insurance and you need to know the quickest way to get price quotes for a new or used Chevy and get the best price possible either online or from local insurance agents.

You need to compare rates periodically because rates trend upward over time. If you had the best deal on Beretta insurance a year ago there may be better deals available now. Ignore everything you know about insurance because you’re going to get a crash course in the best methods to lower your annual insurance bill.

Insurance coverage quotes and discounts

Companies don’t always list every policy discount very well, so the below list has some of the best known and also the more inconspicuous savings tricks you should be using when you buy insurance coverage online.

  • Good Student – Getting good grades could provide a savings of up to 20% or more. The discount lasts up to age 25.
  • Multiple Policy Discount – If you have multiple policies and place coverage with the same company they may give you a discount of at least 10 to 15 percent or more.
  • Memberships – Being a member of a professional or civic organization is a good way to get lower rates on your bill.
  • ABS and Traction Control Discounts – Cars with ABS and/or traction control prevent accidents and will save you 10% or more.
  • Drive Less and Save – Keeping the miles down on your Chevy may enable drivers to earn lower premium rates on the low mileage vehicles.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts up to 30%.
  • Accident Waiver – Not really a discount, but certain companies will forgive one accident without the usual rate increase as long as you don’t have any claims prior to the accident.

You should keep in mind that some of the credits will not apply to the entire cost. Some only reduce the price of certain insurance coverages like comp or med pay. So even though it sounds like it’s possible to get free car insurance, companies wouldn’t make money that way.

For a list of providers with significant discounts, follow this link.

Situations that may require an agent’s advice

When buying adequate coverage for your vehicles, there really is not a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Does coverage extend to a rental car in a foreign country?
  • Am I covered if hit by an uninsured driver?
  • Am I covered when using my vehicle for business?
  • Is extra glass coverage worth it?
  • Do I need more liability coverage?
  • Should I drop comprehensive coverage on older vehicles?
  • Does my car insurance cover rental cars?
  • Are there companies who specialize in insuring high-risk drivers?
  • Am I covered when driving someone else’s vehicle?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It is quick, free and can provide invaluable advice.

Don’t believe everything you hear

Consumers can’t escape the ads for the lowest price insurance by GEICO, State Farm and Progressive. They all seem to advertise the message that drivers can save some big amount if you switch your insurance policy to them.

How is it possible that every company can sell you cheaper insurance coverage? It’s all in how they say it.

Many companies have an ideal profile for the right customer that makes them money. One example of this type of risk profile could possibly be over the age of 35, has few claims, and the vehicle is rated for pleasure use. A customer getting a price quote that fits those parameters will get a cheap rate quote and therefore will cut their rates if they switch.

Consumers who are not a match for those criteria must pay higher premium rates which translates to the driver buying from a lower-cost company. If you listen to the ad wording, they say “customers that switch” not “everyone that quotes” save that much when switching. That is how companies can make those claims.

Different companies use different criteria so it’s extremely important to do a quote comparison often. It’s impossible to know which insurance company will have the best premium rates.

Auto insurance coverage information

Having a good grasp of insurance can be of help when determining appropriate coverage for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things such as hail damage, falling objects, a broken windshield and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as hitting a mailbox, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for bills like dental work, chiropractic care, prosthetic devices, doctor visits and hospital visits. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is a good idea. Frequently these coverages are set the same as your liablity limits.

Liability insurance

This coverage can cover damage that occurs to other’s property or people. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against claims like bail bonds, structural damage and repair costs for stationary objects. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

More quotes mean more savings

As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. There are a lot of situations where consumers will sacrifice physical damage coverage and found out when filing a claim that they should have had better coverage. The aim is to buy enough coverage at a price you can afford, but do not skimp to save money.

Lower-priced car insurance can be sourced online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. A few companies may not offer online price quotes and most of the time these smaller companies only sell through independent insurance agents.

People change insurance companies for many reasons like unfair underwriting practices, delays in responding to claim requests, not issuing a premium refund or extreme rates for teen drivers. Whatever your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

More resources