1994 Chevrolet Corsica Insurance Quotes – 5 Policy Discounts

Feel like you have overpriced insurance coverage? You’re preaching to the choir because you are not the only one feeling buyer’s remorse. Since consumers have many options when it comes to insurance coverage, it is hard for the average consumer to locate a more affordable insurer.

Smart consumers take time to compare prices before your policy renews because insurance coverage rates change frequently. Just because you found the best deal on Corsica insurance a few years ago other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to the fastest way to save money, get proper deductibles and limits, all at the lowest rate.

Discounts can really help lower rates

Buying insurance coverage is not cheap, but you might find some hidden discounts to help bring down the price. Larger premium reductions will be automatically applied when you purchase, but occassionally some discounts must be manually applied prior to receiving the credit. If you aren’t receiving every discount available, you are paying more than you should be.

  • Multiple Vehicles – Insuring several vehicles on one policy can get a discount for every vehicle.
  • Switch and Save Discount – Some insurance coverage companies give discounts for switching companies prior to your current policy expiration. This can save 10% or more.
  • Federal Employees – Federal government employees can save as much as 8% on Corsica insurance with select insurance companies.
  • Discounts for Good Drivers – Safe drivers can pay as much as 50% less on Corsica insurance than their less cautious counterparts.
  • Clubs and Organizations – Having an affiliation with qualifying clubs or civic groups could qualify you for a break on your next renewal.

A quick disclaimer, some credits don’t apply to the entire cost. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Even though the math looks like having all the discounts means you get insurance for free, you’re out of luck. Any amount of discount will bring down the amount you have to pay.

Some of the insurance companies that may offer these benefits may include but are not limited to:

If you are trying to find affordable auto insurance quotes, ask all companies you are considering to apply every possible discount. A few discounts may not be available everywhere. For a list of providers with significant discounts, follow this link.

Will just any policy work for me?

When choosing the best auto insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that can aid in determining if your insurance needs would benefit from professional advice.

  • Am I covered when driving in Canada or Mexico?
  • Does my 1994 Chevy Corsica need full coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What if I total my 1994 Chevy Corsica and owe more than it’s worth?
  • Can I rate high risk drivers on liability-only vehicles?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered if I hit a deer?
  • Is pleasure use cheaper than using my 1994 Chevy Corsica to commute?
  • Do I pay less for low miles?
  • If my pet gets injured in an accident are they covered?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Auto insurance coverage information

Understanding the coverages of insurance can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.

Collision – Collision insurance covers damage to your Corsica resulting from a collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as damaging your car on a curb, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive auto coverage – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as falling objects, theft, damage from getting keyed, rock chips in glass and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like X-ray expenses, pain medications, prosthetic devices, rehabilitation expenses and chiropractic care. The coverages can be utilized in addition to your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and damage to your Chevy Corsica.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these limits do not exceed the liability coverage limits.

Liability auto insurance – This coverage will cover damage that occurs to other people or property in an accident. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

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. Your policy might show values of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for things like structural damage, medical services, legal defense fees and emergency aid. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Be a Smart Shopper

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. There have been many situations where an insured cut liability limits or collision coverage and learned later they didn’t have enough coverage. The proper strategy is to get the best coverage possible at an affordable rate, but do not skimp to save money.

There are still a few companies who may not offer online price quotes and these regional carriers only sell through independent agencies. Lower-priced insurance coverage is possible online and also from your neighborhood agents, and you should compare rates from both in order to have the best chance of saving money.

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