1999 Chevrolet Metro Insurance Quotes

Want cheaper car insurance rates for your Chevrolet Metro? Trying to find cheaper insurance for a new or used Chevy Metro can turn out to be an all-consuming task, but you can follow our car insurance buying tips and make it easy.

There is a right way and a wrong way to compare car insurance rates and you need to know the proper way to quote coverages for your Chevy and locate the lowest price.

You should make it a habit to quote other rates periodically due to the fact that insurance prices are rarely the same from one policy term to another. Just because you found the lowest rates on Metro coverage last year a different company probably has better rate quotes today. Block out anything you think you know about car insurance because you’re about to learn the easiest way to reduce your cost while improving coverage.

Locating the lowest cost insurance coverage coverage can be fairly easy. If you have insurance now or are just looking to switch companies, you can use these tips to cut your premiums while maximizing coverage. Consumers just need to know the best way to get comparison quotes on the web.

These discounts can lower car insurance rates

Companies that sell car insurance do not list every available discount very well, so the list below contains some of the best known in addition to some of the lesser obvious discounts that you may qualify for.

• Senior Discount – If you qualify as a senior citizen, you could receive reduced rates on Metro coverage.
• Accident Free – Claim-free drivers can earn big discounts as compared to drivers with a long claim history.
• Bundle and Save – If you can bundle your home and auto insurance and insure them with the same company you could save at least 10 to 15 percent or more.
• Braking Control Discount – Vehicles equipped with ABS or steering control are much safer to drive and the ABS can save up to 10%.
• Organization Discounts – Belonging to a qualifying organization is a simple method to lower premiums when getting a car insurance quote.
• Early Switch Discount – A few larger companies offer discounts for renewing your policy before your current policy expires. This discount can save up to 10%.
• Seat Belt Discounts – Requiring all passengers to use a seat belt may be able to save a few bucks off the PIP or medical payment premium.

Please keep in mind that many deductions do not apply to the entire cost. Most only reduce the cost of specific coverages such as comprehensive or collision. So even though they make it sound like all those discounts means the company will pay you, you won’t be that lucky.

A few companies that have some of the above discounts include:

• American Family
• Farm Bureau
• State Farm
• Travelers
• The Hartford
• Geico
• Progressive

When getting a coverage quote, ask each company or agent the best way to save money. Some discounts might not be available to policyholders in your area. To view car insurance companies with the best discounts, click this link.

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When do I need an agent’s advice?

When buying the best car insurance coverage, there is no “best” method to buy coverage. Everyone’s needs are different.

For instance, these questions can help discover if your situation may require specific advice.

• Can I get a multi-policy discount?
• When can my company non-renew my policy?
• What exactly is covered by my policy?
• Where can I find high-risk insurance?
• Should I buy only the required minimum liability coverage?
• Does my insurance cover a custom paint job?
• When should I remove comp and collision on my 1999 Chevy Metro?
• What is the difference between comprehensive and collision coverage?
• Can my teen driver be rated on a liability-only vehicle?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can help protect your family.

Brand name doesn’t guarantee savings

Consumers can’t escape the ads for the lowest price insurance coverage by Progressive, Allstate and Geico. All the companies convey the message about savings if you move your policy.

Is it even possible that every company can cost less than your current company? It’s all in the numbers.

Insurance providers give the cheapest rates for the driver that makes them money. For example, a profitable customer might be over the age of 35, is a homeowner, and insures a new vehicle. Any new insured that hits that “sweet spot” will probably get the lowest prices and have a good chance to save when switching.

Insureds who fall short of the requirements will probably have to pay a higher rate and ends up with the prospect going elsewhere. The ads say “customers that switch” not “everyone who quotes” save that kind of money. This is how insurance companies can confidently claim big savings.

That is why you absolutely need to do a quote comparison often. Because you never know which insurance coverage company will fit your personal profile best.

Specifics of your auto insurance policy

Knowing the specifics of auto insurance can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for short-term medical expenses for things like chiropractic care, funeral costs and prosthetic devices. They can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family as well as damage to your Chevy Metro.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits are identical to your policy’s liability coverage.

Comprehensive auto coverage

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as rock chips in glass, theft and damage from getting keyed. 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 dropping full coverage.

Collision coverage protection

This coverage covers damage to your Metro resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with another moving vehicle, rolling your car, damaging your car on a curb, crashing into a ditch and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability auto insurance

This provides protection from injuries or damage you cause to people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as attorney fees, bail bonds and legal defense fees. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

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A little work can save a LOT of money

When shopping online for insurance coverage, don’t be tempted to reduce coverage to reduce premium. There are many occasions where drivers have reduced comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. Your focus should be to buy a smart amount of coverage at the best cost and still be able to protect your assets.

Insureds change insurance companies for a number of reasons such as high prices, extreme rates for teen drivers, delays in responding to claim requests and high rates after DUI convictions. No matter why you want to switch, switching insurance coverage companies can be easy and end up saving you some money.

Budget-conscious 1999 Chevy Metro insurance is available from both online companies as well as from insurance agents, so you should compare both in order to have the best price selection to choose from. Some insurance companies do not provide rates over the internet and most of the time these smaller companies only sell coverage through independent agents.

More tips and info about insurance coverage is available in these articles:

• Smart Auto Insurance Tips (Insurance Information Insitute)
• Auto Insurance FAQ (Farmers Insurance)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Auto Theft Statistics (Insurance Information Insitute)
• Auto Insurance Basics (Insurance Information Insitute)
• Rental Reimbursement Coverage (Allstate)

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