Save on 1999 Chevrolet Corvette Car Insurance Quotes

Looking for the cheapest insurance coverage rates for your Chevrolet Corvette? Sick and tired of sacrificing to buy insurance coverage? Your situation is no different than many other consumers.

Insurance companies such as Geico, 21st Century and Progressive promote their brand names with advertising and it is difficult to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

If you currently have a car insurance policy, you stand a good chance to be able to save some money using these methods. Buying car insurance is not that difficult. But car owners must learn how big insurance companies compete online because it can help you find the best coverage.

How you can control Chevy Corvette insurance prices

An important part of buying insurance is that you know the rating factors that help calculate the price you pay for insurance coverage. When you understand what determines premiums, this helps enable you to make changes that could result in big savings. Lots of factors are considered when you get a price on insurance. Some of the criteria are obvious like an MVR report, but some are more obscure such as whether you are married or how financially stable you are.

• Keep insurance coverage claims to a minimum – Car insurance companies provide cheaper rates to insureds who are not frequent claim filers. If you tend to file frequent claims, you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance is intended for claims that pose a financial burden.
• High premiums for teenage drivers – More experienced drivers tend to be more responsible, statistically cause fewer accidents and tend to be get fewer driving tickets.Teen drivers tend to be inattentive and easily distracted when behind the wheel so insurance coverage rates are higher.
• Drive fewer miles and save – The more you drive your Chevy annually the more you’ll pay to insure your vehicle. Many insurance companies rate vehicles based upon how much you drive. Cars and trucks not used for work or commuting receive better premium rates than vehicles that have high annual mileage. Having an incorrect usage rating on your Corvette is throwing money out the window. Make sure your insurance coverage policy states how each vehicle is driven, because improper ratings can cost you money.
• Lower comp and collision deductibles cost more – Your deductibles represent how much money you are willing to pay out-of-pocket if the claim is covered. Physical damage protection, also called comprehensive and collision insurance, protects your car from damage. Some examples of claims that would be covered would be a windshield broken by a bird, hail damage, and having a roll-over accident. The higher the amount you choose to pay out-of-pocket, the lower your rates will be for Corvette insurance.
• Add-on coverages can add up – Insurance policies have a lot of extra coverages that may not really be needed but may not be useful. Coverages for rental car reimbursement, towing coverage, and additional equipment coverage are some examples. These may sound like a good investment initially, but if you have no use for them think about removing them and cutting costs.
• Single drivers take more risk – Getting married may earn you lower rates when shopping for insurance coverage. Marriage is viewed as being more financially stable and insurance companies reward insureds because married drivers get in fewer accidents.
• How much liability insurance do you need? – A critical coverage on your policy, liability insurance will provide protection in the event that you are determined to be liable for causing damage or personal injury in an accident. It provides for a legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap compared to other policy coverages, so drivers should make sure they buy enough to cover all assets.

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Car insurance policy discounts you can’t miss

Some providers don’t always advertise every available discount in an easy-to-find place, so the following is a list of some of the more common and the harder-to-find discounts that you can inquire about if you buy car insurance online. If you aren’t receiving every discount available, you could be getting lower rates.

• Government Employee Discount – Active or retired federal employment may reduce rates when you quote car insurance for Corvette insurance but check with your company.
• Own a Home – Being a homeowner can get you a discount because it shows financial diligence.
• Seat Belts Save – Drivers who require all occupants to buckle up before driving can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
• No Charge for an Accident – This isn’t a discount exactly, but some companies like Allstate and State Farm will turn a blind eye to one accident without the usual rate increase if you have no claims for a particular time prior to the accident.
• Pay Upfront and Save – By making one initial payment instead of making monthly payments you may reduce your total bill.
• Life Insurance – If the company offers life insurance, you could get a lower rate if you buy life insurance from them.
• Early Signing – A few larger companies give discounts for renewing your policy before your current coverage expires. It could save around 10% when you buy car insurance online.
• Defensive Driver Discount – Taking a driver safety class is a good idea and can lower rates if you qualify.
• Memberships – Joining a qualifying organization could earn you a nice discount on your policy.

One thing to note about discounts is that most of the big mark downs will not be given the the whole policy. A few only apply to specific coverage prices like liability, collision or medical payments. If you do the math and it seems like it’s possible to get free car insurance, it just doesn’t work that way.

Some of the insurance companies that may offer policyholders many of the previously listed discounts possibly include:

• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• Geico

Double check with each company which discounts you may be entitled to. A few discounts may not apply to policies in your area.

Insurance agents can help

When choosing the right insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. 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 or not you will benefit from professional help.

• Is a fancy paint job covered?
• Is my dog or cat covered if injured in an accident?
• Where can I find DUI or SR-22 insurance?
• How do I file an SR-22 for a DUI in my state?
• Why is insurance for a teen driver so high?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Can I rent a car in Mexico?
• What is roadside assistance coverage?
• Which companies will insure high-risk drivers?
• Do I have coverage when using my vehicle for my home business?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find an agent in your area, fill out this quick form or go to this page to view a list of companies.

Car insurance coverage options for a Chevy Corvette

Understanding the coverages of car insurance can help you determine which coverages you need and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages offered by car insurance companies.

Collision protection

Collision insurance pays for damage to your Corvette resulting from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things like sustaining damage from a pot hole, colliding with another moving vehicle, backing into a parked car, rolling your car and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, a tree branch falling on your vehicle, damage from flooding and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and damage to your Chevy Corvette.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for pain medications, surgery and nursing services. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability coverages

This coverage will cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair costs for stationary objects, medical services, medical expenses, legal defense fees and emergency aid. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

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Shop Smart and Save

Lower-priced insurance coverage is attainable from both online companies and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance providers do not provide the ability to get a quote online and these regional carriers sell through independent insurance agents.

As you shop your coverage around, you should never reduce coverage to reduce premium. Too many times, someone dropped full coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your objective should be to get the best coverage possible at the best price.

Other learning opportunities

• Booster Seat Ratings (iihs.org)
• What is Full Coverage? (Allstate)
• Child Safety FAQ (iihs.org)
• Vehicle Insurance in the U.S. (Wikipedia)

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