1999 Chevrolet Prizm Car Insurance Rates – 8 Tips for Cheaper Quotes

Looking for lower insurance coverage rates for your Chevrolet Prizm? Did you make the mistake of buying overpriced insurance coverage? Don’t feel bad because you are not the only one feeling buyer’s remorse. Many car insurance companies vie to insure your vehicles, so it can be very hard to choose a company to find the best price available.

Discounts can really help lower rates

Car insurance is not cheap, but you might already qualify for some discounts to cut the cost considerably. Many discounts should be triggered when you purchase, but a few must be specially asked for before you get the savings. If you are not receiving all the discounts you qualify for, you could be saving more on your insurance.

  • Responsible Driver Discounts – Insureds who avoid accidents may receive a discount up to 45% on Prizm insurance than less cautious drivers.
  • Seat Belt Discounts – Using a seat belt and requiring all passengers to wear their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Discounts for Multiple Vehicles – Having multiple vehicles on one policy can reduce rates for all insured vehicles.
  • Claim-Free Discount – Drivers who stay claim-free get the best insurance rates as compared to policyholders that have many claims.
  • Theft Deterent – Cars equipped with anti-theft or alarm systems can help prevent theft and that can save you a little bit as well.
  • Full Payment Discount – If you pay your bill all at once rather than paying in monthly installments you can avoid monthly service charges.
  • Driver Safety – Taking a class that teaches driver safety techniques is a good idea and can lower rates depending on where you live.
  • Government Employee Discount – Being employed by or retired from a federal job could qualify for a slight premium decrease on Prizm insurance depending on your insurance provider.

Discounts lower rates, but most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as liability and collision coverage. Even though the math looks like all the discounts add up to a free policy, nobody gets a free ride.

Some companies that may offer most of these discounts include:

If you are trying to find cheap car insurance quotes, ask each company which credits you are entitled to. All car insurance discounts may not apply to policyholders in your state. For a list of insurers offering insurance discounts, click this link.

How to buy insurance online

Effectively comparing insurance prices can take hours if you aren’t aware of the most efficient way. You can waste a lot of time driving to insurance agencies in your area, or you can stay home and use the web to get rate comparisons in just a few minutes.

Many companies participate in an industry program that allows shoppers to complete one form, and each company provides a quote based on the submitted data. This prevents consumers from doing quote requests for each company you want a rate for.

To access this free quoting program, click to open in new window.

The one downside to doing it this way is you cannot specify which insurance companies to get quotes from. If you would rather choose individual companies to compare, we have a listing of the cheapest insurance companies in your area. Click to view list.

Take whichever approach you prefer, but be sure you’re using nearly identical coverage information for every quote you compare. If you compare different liability limits you will not be able to find the best deal for your Chevy Prizm.

Will just any policy work for me?

When buying proper insurance coverage, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For instance, these questions could help you determine whether you would benefit from professional advice.

  • What happens if I owe more than my 1999 Chevy Prizm is worth?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Does car insurance cover theft of personal property?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Which is better, split liability limits or combined limits?
  • Are there companies who specialize in insuring high-risk drivers?
  • Do I have coverage for damage caused while driving under the influence?
  • Does insurance cover damages from a DUI accident?
  • Am I covered if my car is in a flood?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, free and can provide invaluable advice.

Auto insurance 101

Understanding the coverages of insurance can be of help when determining the right coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement. Below you’ll find typical coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage

This gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries and damage to your Chevy Prizm.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Most of the time the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage

This coverage will pay to fix damage to your Prizm resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, crashing into a ditch, colliding with a tree, sideswiping another vehicle and hitting a parking meter. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like prosthetic devices, pain medications, surgery, funeral costs and hospital visits. They are used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from 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 insurance covers claims like damage from getting keyed, a tree branch falling on your vehicle, hail damage and damage from flooding. The maximum payout your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability

Liability coverage provides protection from damages or injuries you inflict on other people or property. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like structural damage, repair costs for stationary objects, funeral expenses and legal defense fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

In Summary

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. There have been many cases where an insured cut comprehensive coverage or liability limits only to regret that the small savings ended up costing them much more. Your goal is to buy the best coverage you can find at the best price.

You just read quite a bit of information on how to get a better price on 1999 Chevy Prizm insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Consumers may even find the lowest car insurance rates come from a lesser-known regional company. Regional companies may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.

Affordable 1999 Chevy Prizm insurance can be bought both online in addition to many insurance agents, so you should be comparing quotes from both to have the best rate selection. Some companies may not provide price quotes online and many times these smaller companies only sell through independent insurance agencies.

For more information, take a look at the resources below: