Save on 1990 Chevrolet Corvette Car Insurance Rates

Looking for better insurance rates for your Chevrolet Corvette? Having to pay for high-priced insurance can stress out your savings account and make it impossible to make ends meet. Shopping your coverage around can help to make ends meet.

There is such a variety of insurance companies to choose from, and even though it’s nice to be able to choose, more choices can make it harder to find the best rates.

Finding cheaper auto insurance coverage is not that difficult. If you have a current auto insurance policy or need a new policy, you can learn to shop for the lowest rates while maintaining coverages. Drivers only need to know the most efficient way to shop their coverage around online.

How to lower your insurance coverage cost

Effectively comparing insurance coverage prices can be a daunting task if you aren’t aware of the best way to get rate quotes. You could spend your day driving to insurance agencies in your area, or you could use the web to get the quickest rates.

Most of the larger companies participate in an industry program that enables customers to complete one form, and at least one company can give them a price. This prevents consumers from doing form submissions to every company.

To get comparison pricing now click here to open in new window.

The only drawback to using this type of form is you are unable to specify which providers you want pricing from. If you would rather choose individual companies to compare rates, we have assembled a list of insurance coverage companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same deductibles and coverage limits for every company. If you are comparing different data it’s impossible to make a fair rate comparison.

Get lower-cost car insurance rates with discounts

Some providers do not list every policy discount very well, so the following list contains some of the best known and the harder-to-find discounts that you may qualify for.

• Discount for Swiching Early – Some companies provide a discount for signing up before your current coverage expires. This discount can save up to 10%.
• No Claim Discounts – Drivers who stay claim-free have much lower rates as opposed to bad drivers.
• Professional Memberships – Having an affiliation with a qualifying organization could earn you a nice discount on car insurance.
• Pay Now and Pay Less – If you can afford to pay the entire bill rather than spreading payments over time you can actually save on your bill.
• Home Ownership Discount – Simply owning a home can earn you a little savings since home ownership demonstrates responsibility.
• Defensive Driver Discount – Successfully completing a defensive driver course could earn you a small percentage discount depending on where you live.
• Low Mileage Discounts – Fewer annual miles on your Chevy could qualify for slightly better prices than normal.
• Seat Belt Usage – Forcing all vehicle occupants to buckle up can save 10% or more off the PIP or medical payment premium.
• Telematics Discount – People who choose to allow driving data submission to scrutinize driving patterns by using a telematic data system like In-Drive from State Farm and Progressive’s Snapshot might see lower rates if they have good driving habits.

A quick disclaimer, most of the big mark downs will not be given to your bottom line cost. Some only apply to specific coverage prices like comp or med pay. Despite the appearance that you can get free auto insurance, you’re out of luck.

A few popular companies and the discounts they provide include:

• Travelers offers premium reductions for new car, driver training, home ownership, multi-car, save driver, and hybrid/electric vehicle.
• 21st Century has savings for defensive driver, automatic seat belts, anti-lock brakes, early bird, and homeowners.
• State Farm offers discounts for anti-theft, Drive Safe & Save, multiple autos, student away at school, and safe vehicle.
• Geico has discounts for anti-theft, seat belt use, daytime running lights, defensive driver, federal employee, and military active duty.
• SAFECO policyholders can earn discounts including anti-lock brakes, accident prevention training, homeowner, multi-car, teen safety rewards, and teen safe driver.
• AAA may offer discounts for good driver, education and occupation, multi-car, anti-theft, and pay-in-full.

It’s a good idea to ask each company or agent which discounts can lower your rates. Some of the earlier mentioned discounts might not be offered in your area. If you would like to see a list of providers that offer multiple discounts, follow this link.

Tailor your auto insurance coverage to you

When buying coverage for your personal vehicles, there is no best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions may help you determine whether your personal situation might need an agent’s assistance.

• Is my camper covered by my car insurance policy?
• Should I have combined single limit or split liability limits?
• Do I pay less for low miles?
• How much can I save by bundling my policies?
• Is my babysitter covered when using my vehicle?
• Do I have newly-aquired coverage?
• What is high-risk coverage and where do I buy it?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and may give you better protection.

The coverage is in the details

Having a good grasp of a auto insurance policy helps when choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages offered by auto insurance companies.

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

Collision coverage protects against claims like damaging your car on a curb, driving through your garage door and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also bump up the deductible to save money on collision insurance.

Comprehensive coverage – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, hitting a bird, theft and hail damage. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Liability coverages – Liability coverage provides protection from injuries or damage you cause to other people or property that is your fault. This insurance 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. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like court costs, legal defense fees and funeral expenses. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for short-term medical expenses such as hospital visits, surgery, ambulance fees, prosthetic devices and X-ray expenses. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your 1990 Chevy Corvette.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.