Lower Your 1996 Chevrolet Corsica Insurance Cost

Price shopping your insurance coverage can seem to be very difficult for drivers not familiar with online comparison shopping. Because there are so many insurers to choose from, it can turn into a difficult challenge to lower your prices.

It’s a good idea to get comparison quotes before your next renewal because insurance coverage prices are rarely the same from one policy term to another. Even if you think you had the best deal for Corsica insurance last year other companies may now be cheaper. Forget anything you know (or think you know) about insurance coverage because it’s time to teach you the best methods to find lower rates on insurance coverage.

Ways to get insurance quotes

There are a lot of ways you can shop for insurance but there is one way that is more efficient than others. You can spend countless hours talking to local insurance agents in your area, or you can utilize online quotes to maximize your effort.

Many of the larger companies belong to a marketplace that allows shoppers to enter their coverage request one time, and each participating company can give them a price determined by their information. This prevents consumers from doing form submissions for each company.

To find out how much you can save on insurance click to open in new window.

The single downside to using this type of form is buyers cannot specifically choose the providers to get pricing from. If you wish to select from a list of companies for rate comparison, we put together a list of the cheapest insurance companies in your area. Click to view list.

Take whichever approach you prefer, but ensure you are comparing nearly identical coverage limits for each price quote. If the quotes have different values for each quote it will be nearly impossible to make a fair comparison for your Chevy Corsica. Even a minor difference in coverage limits can result in a big premium difference. And when comparing insurance rates, know that comparing more rates from different companies will increase your chances of finding a better price.

Discounts for lower-cost insurance coverage rates

Insurance coverage is easily one of your largest bills, but you might already qualify for some discounts that can help lower your rates. Some discounts apply automatically when you get a quote, but lesser-known reductions have to be manually applied before you will receive the discount. If you are not receiving all the discounts you qualify for, you could be getting lower rates.

• Air Bag Discount – Cars that have air bags or automatic seat belts can receive discounts as much as 30%.
• Life Insurance – Not all insurance coverage companies offer life insurance, but some may give you better prices if you take out some life insurance in addition to your auto policy.
• Professional Memberships – Being in qualifying clubs or civic groups may earn a discount on your bill.
• Low Miles Discount – Maintaining low annual mileage could earn discounted rates on garaged vehicles.
• Braking Control Discount – Cars and trucks with anti-lock braking systems can avoid accidents so you can save 10 percent or more.
• Mature Driver Discount – If you’re over the age of 55, you may be able to get a slight reduction on a auto insurance quote for Corsica insurance.
• Discounts for New Vehicles – Buying a new car instead of a used car can be considerably cheaper since new vehicles have better safety ratings.
• Distant College Student Discount – Any of your kids who are attending college and do not have access to a covered vehicle can be insured at a reduced rate.

Don’t be shocked that many deductions do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Even though the math looks like you would end up receiving a 100% discount, companies wouldn’t make money that way.

To see a list of insurance companies who offer online insurance coverage quotes, follow this link.

You may need specialized car insurance coverage

When buying proper insurance coverage for your vehicles, there is no perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions may help you determine if your situation might need professional guidance.

• I have health insurance so do I need medical payments coverage?
• Do I need medical payments coverage since I have good health insurance?
• Are my friends covered when driving my car?
• Do I really need UM/UIM coverage?
• Why am I required to buy high-risk coverage?
• When would I need additional glass coverage?
• Do I need rental car coverage?

If you’re not sure about those questions then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form.

Auto insurance coverages 101

Having a good grasp of auto insurance can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Comprehensive protection

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, falling objects and theft. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical expense coverage

Medical payments and Personal Injury Protection insurance pay for bills like chiropractic care, dental work and prosthetic devices. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims such as crashing into a ditch, crashing into a building, rolling your car and sideswiping another vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Auto liability insurance

Liability insurance protects you from injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. It does not cover your own vehicle damage or injuries.

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 policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like structural damage, medical expenses, repair costs for stationary objects, loss of income and pain and suffering. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.