Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

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Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

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Finding cheap car insurance on the internet can appear to be rather challenging for vehicle owners who are new to comparing rates and buying car insurance over the internet. With dozens of online companies available, how are we expected to efficiently compare every company to locate the lowest rates?

Finding affordable coverage is easy if you know what you’re doing. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using these techniques. But consumers do need to understand how companies determine prices.

Auto Insurance Discounts

Auto insurance companies don’t always list all possible discounts in a way that’s easy to find, so the list below details both well-publicized and the more hidden savings tricks you should be using when you buy insurance online.

  • Discounts for Federal Employees – Active or retired federal employment may reduce rates when you quote insurance for Corsica coverage with some auto insurance companies.
  • Own a Home and Save – Just owning your own home may earn you a small savings because owning a home shows financial diligence.
  • Discount for New Cars – Insuring a vehicle that is new may earn a small discount compared to insuring an older model.
  • Passenger Safety Discount – Options like air bags or motorized seat belts can qualify for discounts up to 30%.
  • Anti-theft System – Cars, trucks, and SUVs that have factory anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • Discount for Swiching Early – Select insurance companies give a discount for switching companies prior to the expiration date on your current policy. The savings is around 10%.
  • Use Seat Belts – Requiring all passengers to use their safety belts could cut 10% or more off the personal injury premium cost.
  • ABS Brakes – Cars and trucks with ABS braking systems or traction control prevent accidents and earn discounts up to 10%.
  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for reduced rates for Corsica coverage.
  • Active Service Discounts – Being on active deployment in the military may lower your rates slightly.

A little disclaimer on discounts, some credits don’t apply to all coverage premiums. Most only reduce the price of certain insurance coverages like medical payments or collision. Despite the appearance that all those discounts means the company will pay you, it doesn’t quite work that way.

To find companies that offer some of these discounts, click here.

Enter your zip code below to view companies that have cheap auto insurance rates.

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Tailor your insurance coverage to you

When choosing adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions can help discover if your situation might need professional guidance.

  • Do I need PIP coverage since I have good health insurance?
  • When should I remove comp and collision on my 1990 Chevy Corsica?
  • Is my cargo covered for damage or theft?
  • Is my babysitter covered when using my vehicle?
  • What if I owe more than I can insure my car for?
  • Can I drive in Mexico and have coverage?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my insurance cover a custom paint job?
  • What can I do if my company denied a claim?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form.

Insurance policy specifics

Knowing the specifics of your insurance policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement.

Liability auto insurance

Liability coverage can cover injuries or damage you cause to people or other property in an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things like court costs, pain and suffering, medical services, loss of income and attorney fees. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Comprehensive coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as vandalism, fire damage, hitting a bird, falling objects and hitting a deer. The maximum amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Chevy Corsica.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as X-ray expenses, rehabilitation expenses and ambulance fees. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Collision coverage

This pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like rolling your car, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from older vehicles. You can also choose a higher deductible to bring the cost down.

Shop smart and save

Affordable 1990 Chevy Corsica insurance can be purchased online and also from your neighborhood agents, so get free insurance quotes from both of them to have the best selection. Some companies may not provide the ability to get quotes online and most of the time these smaller companies provide coverage only through independent agencies.

Drivers who switch companies do it for a variety of reasons including delays in paying claims, being labeled a high risk driver, lack of trust in their agent or even unfair underwriting practices. Regardless of your reason for switching companies, finding a new company can be less work than you think.

As you go through the steps to switch your coverage, it’s very important that you do not sacrifice coverage to reduce premiums. In too many instances, an insured dropped liability limits or collision coverage and discovered at claim time that the savings was not a smart move. The aim is to purchase a proper amount of coverage at the lowest possible cost, but do not skimp to save money.

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