1999 Chevrolet Metro Insurance Cost

Looking for cheaper insurance rates for your Chevrolet Metro? If you’ve never shopped for insurance quotes online, you may be overwhelmed by the diversity of insurance companies all offering big savings.

Cheapest auto insurance price quotes

There are a variety of methods to compare auto insurance quotes, but some are more efficient than others. You could spend your day discussing policy coverages with local insurance agents in your area, or you can stay home and use the internet to get the quickest rates.

Many insurance companies participate in an industry program that allows shoppers to send in one quote, and each participating company then gives them pricing for coverage. This prevents consumers from doing repetitive form submissions for each company you want a rate for.

To enter your information into the quoting system, click to open in new window.

The only downside to getting quotes like this is buyers cannot specifically choose which providers to get pricing from. So if you prefer to choose individual companies to receive pricing from, we have a listing of companies who write auto insurance in your area. Click here to view list.

Whichever method you choose, make darn sure you compare apples-to-apples deductibles and coverage limits for each quote you get. If each company quotes different limits and deductibles on each one it will be nearly impossible to truly determine the lowest rate. Just slight variations in insurance coverages could mean much higher rates. And when comparison shopping, obtaining a wide range of quotes will improve the odds of getting more affordable insurance. Some insurance companies are not set up to provide online rate quotes, so you need to compare prices from the smaller companies as well.

Cheaper insurance rates with discounts

Auto insurance companies don’t always list every disount available very clearly, so the following list contains both the well known in addition to some of the lesser obvious credits that may apply to you.

Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper because new model year vehicles are generally safer.
Good Student Discount – Performing well in school can save 20 to 25%. Earning this discount can benefit you until age 25.
Mature Driver Discount – Older drivers may be able to get better insurance rates on Metro insurance.
Paperwork-free – A few larger online companies will give you a small discount for buying your policy digitally online.
Accident Forgiveness Coverage – but a handful of insurance companies will let one accident slide without raising rates if you have no claims for a particular time prior to the accident.
Discount for Home Ownership – Owning a home can earn you a little savings because it means you have a higher level of financial diligence.
Save with More Vehicles Insured – Buying insurance for several vehicles with the same insurance company qualifies for this discount.
Low Mileage Discounts – Low annual miles could be rewarded with lower premium rates due to less chance of an accident.
Military Deployment Discount – Being deployed in the military may lower your prices slightly.

It’s important to understand that some credits don’t apply to the entire policy premium. Most only reduce the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like you can get free auto insurance, that’s just not realistic.

A list of insurance companies and some of the premium reductions they offer are:

State Farm policyholders can earn discounts including safe vehicle, anti-theft, good student, Steer Clear safe driver discount, and driver’s education.
GEICO includes discounts for emergency military deployment, good student, federal employee, military active duty, anti-theft, membership and employees, and daytime running lights.
SAFECO has savings for homeowner, bundle discounts, anti-lock brakes, teen safe driver, accident prevention training, multi-car, and teen safety rewards.
Farmers Insurance may offer discounts for bundle discounts, good student, youthful driver, homeowner, and mature driver.
AAA discounts include pay-in-full, good driver, AAA membership discount, multi-policy, and good student.
USAA offers discounts including safe driver, good student, annual mileage, multi-vehicle, military installation, and driver training.

Before purchasing a policy, check with every prospective company which credits you are entitled to. Some of the discounts discussed earlier may not be available in your area. To see a list of insurance companies that offer multiple discounts, follow this link.

Tailor your insurance coverage coverage to you

When choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For example, these questions might help in determining whether your personal situation may require specific advice.

What happens if I owe more than my 1999 Chevy Metro is worth?
How many claims can I have before being cancelled?
Is my nanny covered when driving my vehicle?
Am I getting all the discounts available?
Is a fancy paint job covered?
What exactly is covered by my policy?
Are all vehicle passengers covered by medical payments coverage?
Does coverage extend to a rental car in a foreign country?
Am I better off with higher deductibles on my 1999 Chevy Metro?
Should I sign the liability waiver when renting a car?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

Auto insurance coverage basics

Knowing the specifics of your policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Coverage for collisions

This coverage covers damage to your Metro resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as sustaining damage from a pot hole, damaging your car on a curb, sideswiping another vehicle, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy Metro.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages are similar to your liability insurance amounts.

Auto liability

Liability coverage can cover damage or injury you incur to people or other property in an accident. It protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers claims like repair costs for stationary objects, pain and suffering, medical expenses, medical services and funeral expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Medical expense coverage

Med pay and PIP coverage provide coverage for immediate expenses for things like rehabilitation expenses, dental work and EMT expenses. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover you and your occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive protection

This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hail damage, a tree branch falling on your vehicle and vandalism. The maximum payout a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

1999 Chevrolet Metro Insurance Cost – 9 Tips to Save