How Much Does 1991 Chevrolet Corsica Insurance Cost?

Searching for better insurance rates for your Chevrolet Corsica? Having to pay for overpriced insurance can take a big chunk out of your savings account, especially in this economy. Doing a price comparison is free, only takes a few minutes, and is a good way to help make ends meet.

Consumers have many insurance companies to pick from, and even though it’s nice to be able to choose, it can be more challenging to locate the cheapest rates.

Buying car insurance is not that difficult. In a nutshell, everyone who has to buy auto insurance most likely will be able to reduce their rates. Nevertheless, vehicle owners do need to learn how companies price insurance differently and take advantage of how the system works.

Best discounts on 1991 Chevy Corsica coverage

Auto insurance companies don’t necessarily list every available discount in an easy-to-find place, so the following is a list of both the well known and the more hidden discounts you could be receiving.

  • Accident Forgiveness – Certain companies allow you one accident before raising your premiums if your claims history is clear for a particular time prior to the accident.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on Corsica insurance with certain companies.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Seat Belt Usage – Requiring all passengers to use their safety belts could save 15% off your medical payments premium.
  • Save over 55 – Older drivers may be able to get a discount up to 10% on Corsica insurance.
  • Driver Safety – Successfully completing a defensive driving course could save 5% or more depending on where you live.
  • Claim Free – Drivers who don’t have accidents pay much less compared to accident-prone drivers.

Keep in mind that most of the big mark downs will not be given to the entire policy premium. Most only cut individual premiums such as comprehensive or collision. So despite the fact that it appears having all the discounts means you get insurance for free, it doesn’t quite work that way.

Insurance companies who might offer some of the above discounts may include but are not limited to:

It’s a good idea to ask each insurance company what discounts are available to you. Some discounts may not apply in every state.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For example, these questions could help you determine if you might need an agent’s assistance.

  • What are the best liability limits?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Am I covered when driving on a suspended license?
  • Is business property covered if stolen from my car?
  • Am I covered when delivering products for my home-based business?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What is PIP insurance?
  • Can I afford to buy a different vehicle if my 1991 Chevy Corsica is totaled?
  • Which companies will insure high-risk drivers?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. If you want to speak to an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Auto insurance coverage information

Understanding the coverages of a car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average car insurance policy.

Collision coverages – This coverage covers damage to your Corsica from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims such as scraping a guard rail, colliding with a tree, rolling your car, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability car insurance – This coverage can cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims such as bail bonds, legal defense fees, loss of income, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Chevy Corsica.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Comprehensive auto coverage – This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, a broken windshield, damage from flooding and theft. The highest amount your car insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for expenses for funeral costs, hospital visits and prosthetic devices. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Save your hard earned cash

Budget-conscious 1991 Chevy Corsica insurance is possible online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. A few companies do not provide you the ability to get quotes online and these small insurance companies work with independent agents.

We’ve covered many tips how you can lower your insurance rates. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. You may even discover the best prices are with a lesser-known regional company. Regional companies may often insure only within specific states and give getter rates than their larger competitors like Progressive and Geico.

Additional car insurance information can be found below: