2000 Chevrolet Metro Insurance Quotes – 5 Tips for Cheaper Rates

Trying to find the cheapest auto insurance rates? Buyers have options when searching for low-cost Chevy Metro insurance. They can either waste time struggling with agents trying to get quotes or leverage the internet to make rate comparisons.

There is a better way to find auto insurance online so we’re going to tell you the best way to price shop coverage for a new or used Chevy and get the best price possible from local insurance agents and online providers.

You should take the time to price shop coverage periodically because prices are usually higher with each renewal. If you had the lowest rates for Metro insurance two years ago you can probably find a lower rate today. There is too much inaccurate information about auto insurance online but we’re going to give you some of the best ways to find cheap auto insurance.

The purpose of this article is to instruct you on how to effectively get price quotes and some tips to save money. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these techniques. Consumers just need to learn the best way to compare prices online.

Free Quotes for Car Insurance

There are a lot of ways to shop for car insurance, but one way is less time-consuming than others. You can waste a lot of time discussing policy coverages with insurance agencies in your area, or you could use online quoting to accomplish the same thing much quicker.

Many companies belong to an insurance system where prospective buyers submit one quote, and at least one company can give them a price based on that information. This prevents consumers from doing form submissions to each individual car insurance company.

To submit your quote information now, click here (opens in new window).

The only downside to using this type of form is that you can’t choose which companies to receive prices from. So if you want to select from a list of companies to request quotes from, we have a listing of car insurance companies in your area. View list of insurance companies.

However you get your quotes, make sure you use the exact same quote information with each company. If you are comparing different liability limits it’s impossible to determine which rate is truly the best.

Pay less by taking advantage of these five discounts

Insuring your vehicles can cost a lot, but you may find discounts to help bring down the price. A few discounts will automatically apply when you quote, but lesser-known reductions have to be requested specifically before you get the savings. If they aren’t giving you every credit you qualify for, you are throwing money away.

  • Homeowners Savings – Being a homeowner can help you save on insurance coverage because of the fact that having a home demonstrates responsibility.
  • Fewer Miles Equal More Savings – Fewer annual miles on your Chevy can qualify you for a substantially lower rate.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. The discount lasts up to age 25.
  • Multiple Cars – Buying coverage for all your vehicles on the same insurance coverage policy could earn a price break for each car.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident without raising rates as long as you don’t have any claims for a set time period.

It’s important to note that some credits don’t apply to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, you’re out of luck. Any amount of discount will bring down the amount you have to pay.

A partial list of companies who might offer these benefits include:

Before buying, ask each company what discounts are available to you. Some discounts may not apply in your state.

Your coverage should be tailored to you

When buying proper insurance coverage for your personal vehicles, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

For example, these questions can aid in determining whether your personal situation may require specific advice.

  • What is an SR-22 filing?
  • Can I afford to buy a different vehicle if my 2000 Chevy Metro is totaled?
  • Does medical payments coverage apply to all occupants?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • What is the rate difference between pleasure use and commuting?
  • How much liability coverage do I need in my state?
  • Do I need higher collision deductibles?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form. It is quick, free and you can get the answers you need.

Insurance policy specifics

Understanding the coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses for things like pain medications, chiropractic care and X-ray expenses. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision insurance pays for damage to your Metro caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like hitting a parking meter, driving through your garage door and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like falling objects, a tree branch falling on your vehicle, vandalism, fire damage and rock chips in glass. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2000 Chevy Metro.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto liability

This will cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like repair costs for stationary objects, medical services, medical expenses, loss of income and pain and suffering. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.