Cheap 2001 Chevrolet Metro Insurance Quotes

Locating low-cost insurance for a Chevy Metro can normally be a painful process, but you can learn a few tricks to save time.

There are more efficient ways to shop for insurance so you’re going to learn the absolute fastest way to compare rates for a new or used Chevy and get the lowest possible price from both online companies and local agents.

It’s a good habit to compare premium rates as often as possible since insurance prices change quite often. If you had the best price for Metro coverage a year ago there may be better deals available now. You can find a lot of misleading information regarding insurance online but by reading this article, you’re going to learn a bunch of ideas how to quit paying high insurance rates.

Quote insurance coverage online

Getting a cheaper price on 2001 Chevy Metro insurance is surprisingly easy. Drivers just need to invest a little time to get quotes to find out which insurance company has low cost insurance quotes. Shoppers can get rates by following the guidelines below.

  1. If you are pressed for time, the simplest way to compare a lot of rates at once is to use a rate comparison form (click to open form in new window). This easy form keeps you from doing separate quotation requests to each individual insurance coverage company. A single, simple form will get you rate comparisons from all major companies. This is perfect if you don’t have a lot of time.
  2. A different way to compare rate quotes is spending the time to visit each company’s website and go through the quote process again. For instance, let’s say you need rates from Nationwide, GEICO and Liberty Mutual. You would have to navigate to each company’s site and type in your information over and over, and that explains why we recommend the first method. For a list of links to insurance companies in your area, click here.
  3. The hardest method to find cheaper rates is actually driving to local insurance agencies. The ability to quote online can eliminate the need for a local agent unless you’re the type of person who wants the professional guidance that only an agent can give. It is possible with some companies obtain prices from the web but have a local agent actually write the policy.

Take whichever approach you prefer, but try to use the exact same coverage data on every price quote you get. If the quotes have different values for each quote it’s impossible to determine the lowest rate for your Chevy Metro.

Don’t overlook these auto insurance discounts

Companies that sell car insurance do not advertise the entire discount list very well, so we break down both the well known and also the lesser-known discounts that you can inquire about if you buy insurance online. If you do not double check each discount you deserve, you could be paying more than you need to.

  • Early Payment Discounts – If paying your policy premium upfront rather than paying monthly you can avoid the installment charge.
  • Good Student – Performing well in school may save you up to 25%. This discount can apply until age 25.
  • Multiple Policy Discount – If you can bundle your auto and home insurance with one company you could get a discount of up to 20% off your total premium.
  • No Claim Discounts – Insureds who avoid accidents and claims get the best auto insurance rates when compared with drivers with a long claim history.
  • Clubs and Organizations – Affiliation with specific professional or occupational memberships or organizations is a good way to get lower rates when shopping for auto insurance.

Consumers should know that some credits don’t apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though it appears you could get a free auto insurance policy, it’s just not the way it works.

Auto insurance companies that have these discounts possibly include:

When comparing rates, check with every insurance company to give you their best rates. A few discounts may not be available in your state. If you would like to view insurers with significant discounts, click here to view.

When to get professional advice

When choosing the right insurance coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs.

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

  • Why am I required to buy liability insurance?
  • What are the financial responsibility laws in my state?
  • What happens if I owe more than my 2001 Chevy Metro is worth?
  • Am I getting all the discounts available?
  • How do I file an SR-22 for a DUI in my state?
  • Why does it cost so much to insure a teen driver?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form. It is quick, free and can help protect your family.

Good decisions result in lower insurance rates

Many factors are used in the calculation when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but other factors are more transparent such as your credit history or how safe your car is.

  • Increase physical damage deductibles and save – Your deductibles define the amount you are required to spend out-of-pocket if the claim is covered. Coverage for physical damage, aka comp and collision, covers damage that occurs to your car. Some instances where coverage would apply would be a windshield broken by a bird, collision with a deer, and having a roll-over accident. The more damage repair cost the insured is willing to pay, the less your company will charge you for insurance for Metro coverage.
  • Liability protection claims can be big – The liability coverage on your policy will provide protection when you are found liable for physical damage or personal injury to other. This coverage provides legal defense starting from day one. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
  • Never let your insurance policy lapse – Letting your insurance expire is a guaranteed way to trigger a rate increase. And not only will insurance be more expensive, getting caught without coverage will get you fines and jail time. You could then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • City traffic equals higher costs – Living in a small town can be a good thing when it comes to insurance. Fewer drivers and short commutes means reduced accidents in addition to fewer liability claims. Drivers in populated areas have more auto accidents and more time behind the wheel. More time behind the wheel means higher likelihood of an accident.

Insurance coverage advertising gotchas

Consumers can’t avoid all the ads for insurance coverage savings from companies such as Allstate, GEICO and Progressive. They all seem to make the promise that drivers will save a bundle just by switching your coverage.

How can each company claim to save you money? It’s all in the words they use.

All companies quote their best rates for the type of customer that earns them a profit. One example of a profitable insured might be a married female, has few claims, and drives a safe vehicle. Someone who matches that profile may get the lowest prices and will probably save if they switch.

Consumers who don’t measure up to these criteria may be required to pay higher premium rates which results in the customer not purchasing. If you pay attention, the ads say “customers who switch” not “everyone who quotes” will save that much if they switch. That’s the way insurance companies can confidently make those statements.

This really emphasizes why you absolutely need to get a wide range of price quotes. It’s not possible to predict which insurance companies will be your best fit.

Specific coverage details

Learning about specific coverages of auto insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like vandalism, fire damage, a tree branch falling on your vehicle and falling objects. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability insurance – Liability insurance protects you from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like emergency aid, medical expenses, legal defense fees, pain and suffering and court costs. How much coverage you buy is up to you, but consider buying higher limits if possible.

Medical payments and PIP coverage – Med pay and PIP coverage pay for expenses for things like prosthetic devices, X-ray expenses, chiropractic care, hospital visits and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and also any damage incurred to your Chevy Metro.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage – This coverage pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, backing into a parked car, rolling your car and colliding with another moving vehicle. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

In any little way, save everyday

We’ve covered a lot of information how to reduce 2001 Chevy Metro insurance rates online. It’s most important to understand that the more price quotes you have, the higher your chance of finding the cheapest insurance. Consumers may even find the most savings is with a smaller regional carrier.

There are still a few companies who may not offer online quoting and usually these small, regional companies sell through independent insurance agencies. Cheaper auto insurance can be purchased online and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from.

People change insurance companies for any number of reasons including poor customer service, denial of a claim, questionable increases in premium or unfair underwriting practices. It doesn’t matter what your reason, finding a new company can be less work than you think.

Additional auto insurance information can be found at these links: