Save on 2004 Chevrolet Classic Insurance Cost

Trying to find the cheapest insurance rates for your Chevrolet Classic? Are you tired of being strong-armed to insure your Chevy every month? Your situation is no different than many other drivers.

With so many options, it can be challenging to choose the most cost effective insurance company.

Consumers need to get comparison quotes yearly since prices change quite often. Just because you found the best price for Classic coverage two years ago the chances are good that you can find a lower rate quote today. Forget anything you know (or think you know) about insurance because you’re about to find out the easiest way to reduce your cost while improving coverage.

Choosing the best insurance company for you is easy if you know what you’re doing. Basically, every driver who buys insurance should be able to reduce their rates. But drivers can benefit by having an understanding of how insurance companies determine prices and apply this information to your search.

How much does car insurance cost?

Performing a rate comparison can be a lot of work if you aren’t aware of the most efficient way to do it. You could spend the better part of a day driving to insurance companies in your area, or you can utilize the web to achieve your goal.

Most major companies participate in an industry program that allows shoppers to submit one quote, and each participating company then gives them pricing based on that information. This saves time by eliminating quotation requests to each individual car insurance company.

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

The single downside to using this type of system is you cannot specify the providers you want to price. So if you want to choose specific providers to request quotes from, we have a page of the cheapest car insurance companies in your area. View list of insurance companies.

The approach you take is up to you, just be certain you are entering the exact same coverage information on every quote. If your comparisons have mixed coverages then you won’t be able to truly determine the lowest rate. Just a small difference in insurance coverages or limits could throw off the whole comparison. Keep in mind that obtaining a wide range of quotes increases the change that you will find lower pricing.

Find hidden discounts to get affordable car insurance rates

Companies don’t list every discount they offer in a way that’s easy to find, so we researched a few of the more well known and the harder-to-find discounts you could be receiving when you buy insurance online.

• No Claim Discounts – Insureds with no claims or accidents can save substantially in comparison with insureds who have frequent claims or accidents.
• Savings for New Vehicles – Insuring a vehicle that is new can save up to 30% because new vehicles have to meet stringent safety requirements.
• Senior Citizen Rates – If you qualify as a senior citizen, you may be able to get a small decrease in premiums for Classic coverage.
• Employee of Federal Government – Simply working for the federal government may reduce rates when you quote insurance for Classic coverage with select insurance companies.
• Braking Control Discount – Cars and trucks with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
• Discount for Life Insurance – Select companies reward you with a discount if you purchase a life insurance policy as well.
• Driving Data Discount – People who choose to allow driving data collection to analyze where and when they drive remotely like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they show good driving skills.
• Theft Prevention System – Cars and trucks optioned with advanced anti-theft systems can help prevent theft and that can save you a little bit as well.
• Military Discounts – Being deployed with a military unit could mean lower car insurance rates.
• Seat Belts Save – Using a seat belt and requiring all passengers to wear their seat belts can save 10% or more off the PIP or medical payment premium.

You can save money using discounts, but most credits do not apply to all coverage premiums. Most only reduce the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like you can get free auto insurance, it’s just not the way it works.

Popular car insurance companies and a partial list of their discounts are:

• GEICO has savings for emergency military deployment, anti-theft, anti-lock brakes, multi-policy, and good student.
• MetLife offers discounts including good student, accident-free, multi-policy, defensive driver, claim-free, good driver
• Progressive may offer discounts for multi-vehicle, online quote discount, online signing, multi-policy, and good student.
• Travelers offers premium reductions for IntelliDrive, payment discounts, early quote, student away at school, and good student.
• SAFECO may include discounts for teen safe driver, multi-car, safe driver, accident prevention training, and anti-theft.
• AAA offers discounts for anti-theft, education and occupation, good student, pay-in-full, and good driver.

Check with all companies you are considering which discounts they offer. Some of the discounts discussed earlier may not be offered in your area.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Every situation is different and your policy should reflect that. For example, these questions can help discover if your insurance needs could use an agent’s help.

• Is a new car covered when I drive it off the dealer lot?
• Is a fancy paint job covered?
• What can I do if my company denied a claim?
• Is my dog or cat covered if injured in an accident?
• Am I covered when driving in Canada or Mexico?
• When should I buy a commercial auto policy?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

Coverages available on your policy

Learning about specific coverages of insurance can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Comprehensive protection – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, damage from a tornado or hurricane, hitting a bird and rock chips in glass. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Chevy Classic.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like scraping a guard rail, hitting a mailbox and hitting a parking meter. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability insurance – This coverage provides protection from damage or injury you incur to a person or their property in an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against things like repair bills for other people’s vehicles, attorney fees and legal defense fees. The amount of liability coverage you purchase is up to you, but consider buying higher limits if possible.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as doctor visits, hospital visits, funeral costs, rehabilitation expenses and dental work. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay