1999 Chevrolet Prizm Car Insurance Cost

Have you finally had enough of scraping nickels together to make your auto insurance payment? You’re in the same situation as millions of other consumers. Insurance companies such as State Farm, Progressive and Geico persitently shower you with fancy advertisements and it can be hard to ignore the propoganda and effectively compare rates to find the best deal.

It’s a great practice to do price comparisons on a regular basis due to the fact that insurance rates are rarely the same from one policy term to another. If you had the best premium rates on Prizm coverage a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about auto insurance because you’re about to learn the fastest and easiest way to remove unneeded coverages and save money.

Free insurance rate quotes

Most major insurance companies provide insurance quotes on their websites. Getting online rates is fairly straightforward as you simply enter your coverage information on the page. Once entered, their system automatically retrieves your driving and credit reports and returns a price quote. Online quotes makes it easy to compare insurance prices but the process of having to visit many different websites and type in the same information is a big time waster. But it is imperative to perform this step if you are searching for the lowest possible prices on insurance.

The preferred way to get multiple rate quotes uses one form to obtain quotes from several different companies. This type of form saves time, eliminates repetitive work, and makes quoting online much easier. Immediately after submitting the form, it gets priced and you are able to buy your choice of the returned quotes. If the quotes result in lower rates, you can simply submit the application and purchase the new policy. This process takes less than 15 minutes and may result in a nice savings.

To get comparison pricing now, simply click here to open in new window and submit your coverage information. To compare your current rates, we recommend you input the coverage information as shown on your current policy. This guarantees you will get a price comparison for similar insurance coverage.

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Insurance coverage discounts are available to reduce your rates

Car insurance companies don’t list every possible discount very well, so here is a list both well-publicized and the harder-to-find discounts you could be receiving when you buy auto insurance online. If they aren’t giving you every credit you qualify for, you may be paying too high a price.

• Student in College – Any of your kids who attend college more than 100 miles from home and don’t have a car could qualify for this discount.
• Claim-Free Discount – Claim-free drivers can save substantially in comparison to bad drivers.
• Low Miles Discount – Low mileage vehicles may allow you to get lower rates due to less chance of an accident.
• Save with a New Car – Buying a new car model can save up to 30% since newer vehicles have better safety ratings.
• Safe Driver Discounts – Safe drivers could pay up to 40% less on Prizm coverage compared to accident prone drivers.
• Pay Now and Pay Less – By paying your entire bill at once instead of monthly or quarterly installments you could save 5% or more.
• Theft Deterent System – Cars with anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
• Multi-line Discount – Some insurance carriers give a discount if you purchase some life insurance in addition to your auto policy.
• Multi-Vehicle Discounts – Buying insurance for all your vehicles on a single policy qualifies for this discount.
• Homeowners Savings – Owning a home can get you a discount because of the fact that having a home is proof of financial responsibility.

Remember that most of the big mark downs will not be given the the whole policy. Most only apply to the price of certain insurance coverages like comp or med pay. Just because it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A few companies who might offer these benefits are:

• Farm Bureau
• State Farm
• Progressive
• Allstate
• Nationwide
• MetLife

If you want cheap auto insurance quotes, ask every prospective company to apply every possible discount. Some of the discounts discussed earlier may not apply to policyholders in your area. To choose insurance coverage companies that have a full spectrum of discounts, click here to view.

Everyone needs different insurance coverages

When it comes to buying adequate coverage, there really is no best way to insure your cars. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions can aid in determining whether or not you might need an agent’s assistance.

• Should I bundle my homeowners policy with my auto?
• If I drive on a suspended license am I covered?
• What is medical payments coverage?
• Will I lose any money if I cancel my policy before it expires?
• Am I covered if I hit a deer?
• Who is covered when they drive my 1999 Chevy Prizm?
• When would I need additional glass coverage?
• Where can I find high-risk insurance?
• Where can I find DUI or SR-22 insurance?
• Do I have coverage when pulling a U-Haul trailer?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance coverages

Having a good grasp of your auto insurance policy helps when choosing which coverages you need for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the usual coverages found on most auto insurance policies.

Comprehensive insurance

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, damage from flooding and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability

This can cover damages or injuries you inflict on a person or their property. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that means you have a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for claims like emergency aid, attorney fees and loss of income. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP pay for bills for nursing services, X-ray expenses, dental work and doctor visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Prizm.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for collisions

Collision insurance will pay to fix damage to your Prizm from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a ditch, driving through your garage door and colliding with a tree. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

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The best insurance company isn’t always the cheapest

When shopping online for insurance coverage, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where drivers have reduced uninsured motorist or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your goal is to purchase plenty of coverage at the best possible price, not the least amount of coverage.

The cheapest 1999 Chevy Prizm insurance can be sourced both online and from local agencies, so you need to shop auto insurance with both to have the best selection. Some insurance companies may not offer internet price quotes and most of the time these regional insurance providers work with independent agents.

You just learned some good ideas how to reduce 1999 Chevy Prizm insurance rates online. The key thing to remember is the more times you quote, the higher the chance of saving money. You may even find the best rates are with some of the lesser-known companies. Regional companies may only write in your state and offer lower car insurance rates compared to the large companies like Allstate, Geico and Progressive.

Much more information about insurance coverage can be found on the following sites:

• Collision Insurance Coverage (Nationwide)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Teen Driver Licensing Information (iihs.org)

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