Compare 1999 Chevrolet Prizm Car Insurance Cost

Want the cheapest auto insurance rates for your Chevrolet Prizm? Cutting costs on auto insurance is always nearly impossible for consumers not familiar with comparison shopping online. People have so many options that it can turn into a big hassle to locate the lowest price.

It’s a good habit to compare rates quite often since rates change frequently. Just because you had the lowest rates for Prizm coverage six months ago there is a good chance you can find better rates now. Starting right now, forget anything you know (or think you know) about auto insurance because we’re going to show you how to use online quotes to find lower rates on auto insurance.

This article will let you in on how car insurance quotes work and some tricks to saving. If you are paying for car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. But car owners must know the methods companies use to sell online.

The quickest method to compare rates utilizes the fact most insurance companies pay for the opportunity to compare their rates. The one thing you need to do is provide information including if you have an active license, whether the vehicles are used for commuting, which vehicles you own, and marital status. That information is then submitted to many highly-rated insurers and you will receive price estimates instantly to find the best rate.

These discounts can lower your rates

The price of auto insurance can be rather high, but there are discounts available to help offset the cost. Most are applied when you get a quote, but a few need to be asked about prior to getting the savings.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags may earn rate discounts of more than 20%.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you will save approximately 10% to 15%.
  • Save with a New Car – Putting insurance coverage on a new car is cheaper compared to insuring an older model.
  • Drive Less and Save – Keeping the miles down on your Chevy could be rewarded with better rates on cars that stay parked.
  • Accident Waiver – A handful of insurance companies allow you one accident before your rates go up if you are claim-free for a particular time prior to the accident.
  • Sign Online – A few companies give back up to $50 for buying your policy over the internet.
  • No Accidents – Good drivers with no accidents can earn big discounts as compared to drivers who are more careless.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% for Prizm coverage with certain companies.
  • More Vehicles More Savings – Buying insurance for multiple cars or trucks on the same auto insurance policy could earn a price break for each car.
  • Life Insurance – Some companies give better rates if you take out life insurance.

A little note about advertised discounts, some credits don’t apply to the entire policy premium. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like adding up those discounts means a free policy, you’re out of luck. Any qualifying discounts will reduce the cost of coverage.

A partial list of companies who might offer these discounts may include but are not limited to:

Before buying, ask all companies you are considering what discounts are available to you. Discounts might not apply in your state.

Different people need different coverages

When it comes to buying coverage for your personal vehicles, there really is no best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions may help highlight if your insurance needs might need an agent’s assistance.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my medical payments coverage pay my health insurance deductible?
  • Is my camper covered by my car insurance policy?
  • How much can I save by bundling my policies?
  • Does my insurance cover my expensive audio equipment?
  • What exactly is covered by my policy?
  • Do I pay less for low miles?
  • Are split liability limits better than a combined single limit?

If you don’t know the answers to these questions then you might want to talk to an agent. To find lower rates from a local agent, complete this form.

Factors determining your Chevy Prizm insurance premium

Consumers need to have an understanding of the different types of things that help determine insurance rates. Knowing what impacts premium levels allows you to make educated decisions that can help you get better insurance rates.

The following are some of the factors companies use to determine your rates.

  • Pleasure use saves money – The more you drive in a year’s time the higher your rate. The majority of insurers price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Make sure your insurance policy is rated on the correct driver usage. If your policy improperly rates your Prizm may be costing you.
  • Males pay more for insurance – The statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. They both are in accidents in similar percentages, but the male of the species have costlier accidents. Men also tend to have more aggressive citations like DUI and reckless driving. Young males are the most expensive to insure and therefore have the most expensive insurance rates.
  • Where you live can impact rates – Residing in a small town can save you money when buying insurance. Fewer people translates into fewer accidents and a lower car theft rate. City drivers tend to have traffic congestion and longer commutes to work. Longer commute distances can result in more accidents.
  • Your insurance rates can be influenced by your job – Did you know that where you work can have an impact on rates? Occupations like judges, architects and accountants tend to have higher rates than average attributed to stressful work requirements and lots of time spent at work. On the flip side, occupations such as scientists, athletes and homemakers receive lower rates for Prizm coverage.
  • Your car’s features help determine rates – Purchasing a vehicle that has an advanced theft prevention system can help bring down rates. Theft prevention features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft.
  • Consolidate policies to earn discounts – The majority of insurance companies will give a discount to insureds who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to ten or even up to twenty percent in some cases. If you currently are using one company, you still need to shop around to verify if the discount is saving money. Consumers may find better rates by buying insurance from a different company.
  • Never allow your policy to lapse – Allowing your coverage to lapse is a quick way to pay more for insurance. And not only will your rates increase, getting caught without coverage will get you a hefty fine and possibly a revoked license.

Coverages available on your insurance policy

Having a good grasp of your policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Chevy Prizm.

Since a lot of drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is very important. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Collision coverage

Collision insurance covers damage to your Prizm from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as backing into a parked car, damaging your car on a curb and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for immediate expenses such as X-ray expenses, pain medications and doctor visits. They can be used in conjunction with a health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Liability

This coverage will cover injuries or damage you cause to other people or property in an accident. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three 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 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as legal defense fees, attorney fees and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive insurance

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like falling objects, rock chips in glass, vandalism, a broken windshield and hitting a bird. The maximum amount a 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.

A penny saved is a penny earned

Budget-conscious 1999 Chevy Prizm insurance can be found both online as well as from independent agents, and you need to price shop both to get a complete price analysis. Some insurance providers don’t offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

We just showed you a lot of ways to shop for insurance online. The most important thing to understand is the more you quote, the better your chances of lowering your rates. You may even discover the lowest priced insurance comes from a small local company.

Insureds change insurance companies for a variety of reasons including not issuing a premium refund, denial of a claim, unfair underwriting practices or poor customer service. Whatever your reason, finding the right insurance provider can be less work than you think.

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