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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Buying budget-priced car insurance over the internet is difficult for vehicle owners that are relatively new to comparing rates and buying car insurance over the internet. With more and more insurers to choose from, how can vehicle owners possibly compare every car insurance company to find lower car insurance premiums?

It’s smart to take a look at other company’s rates yearly because insurance prices are variable and change quite frequently. Just because you found the lowest rate for Corsica insurance two years ago you will most likely find a better premium rate today. There is a lot of bad advice regarding car insurance online, but by reading this article, you’re going to learn some great ideas on how to lower your car insurance bill.

The purpose of this article is to let you in on the best way to quote coverages and some tricks to saving. If you currently have a car insurance policy, you should be able to reduce your rates substantially using this strategy. Although drivers must know how the larger insurance companies compete online and take advantage of how the system works.

The cheapest insurance price quotes online

There are several ways to compare insurance prices but there is one way that is easier and takes less work. You can waste a lot of time talking about coverages with insurance agencies in your area, or you could save time and use online quotes to get the quickest rates.

The majority of car insurance companies participate in a marketplace where insurance shoppers submit one quote, and each company returns a rated price based on the submitted data. This eliminates the need for form submissions for each company you want a rate for.

To find out how much you’re overpaying now click here to start a free quote.

The only drawback to getting quotes like this is buyers cannot specifically choose the companies you want pricing from. So if you prefer to pick from a list of companies to receive pricing from, we have a page of companies who write insurance in your area. Click to view list.

Whichever way you use, double check that you are using identical coverage data on every quote. If you compare different coverage information it’s impossible to make an equal comparison. Even a minor difference in insurance coverages or limits could throw off the whole comparison. Just remember that obtaining a wide range of quotes provides better odds of finding better pricing. Not every company does quotes online, so you should also compare price estimates from those companies as well.

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

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Find discounts on insurance

Companies don’t always list all disounts very well, so the list below details some of the more common and also the lesser-known insurance savings. If you don’t get every credit you deserve, you could be getting lower rates.

  • Active Military Service – Being deployed with a military unit could mean lower rates.
  • No Accidents – Insureds who avoid accidents and claims get the best insurance rates in comparison to insureds who have frequent claims or accidents.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% for Corsica insurance but check with your company.
  • Paperwork-free – Some companies may give you up to $50 for buying your policy on your computer.
  • Waiver for an Accident – Not really a discount, but companies like Liberty Mutual, Allstate and State Farm will turn a blind eye to one accident before hitting you with a surcharge so long as you are claim-free for a set time period.
  • Driver’s Education for Students – Have your child participate in a local driver’s education class in school.
  • Passenger Safety Discount – Factory options such as air bags or automatic seat belts may earn rate discounts of 20% or more.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% because newer vehicles are generally safer.
  • Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems have fewer accidents so you can save 10 percent or more.

A quick disclaimer, most of the big mark downs will not be given to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. Even though it appears adding up those discounts means a free policy, nobody gets a free ride.

To see insurance companies that offer discounts, click this link.

Tailor your auto insurance coverage to you

When buying coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different.

For instance, these questions could help you determine if your insurance needs could use an agent’s help.

  • Is business property covered if stolen from my car?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Can I afford to pay high deductible claims out of pocket?
  • Should I put collision coverage on all my vehicles?
  • What vehicles should carry emergency assistance coverage?
  • Who is covered by my policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Which companies will insure high-risk drivers?
  • Does my policy pay for OEM or aftermarket parts?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Insurance coverages 101

Having a good grasp of insurance can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Liability car insurance

Liability insurance provides protection from injuries or damage you cause to other’s property or people by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability insurance covers things such as structural damage, pain and suffering and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for expenses for X-ray expenses, surgery, pain medications, funeral costs and prosthetic devices. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as rock chips in glass, a broken windshield and theft. The most you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for collisions

This covers damage to your Corsica resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as damaging your car on a curb, hitting a mailbox, crashing into a ditch, sideswiping another vehicle and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your Chevy Corsica.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

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

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Shop smart and save

People leave their current company for many reasons like lack of trust in their agent, policy non-renewal, high rates after DUI convictions and even questionable increases in premium. Regardless of your reason, finding a new company is not as hard as you think.

Some car insurance companies may not offer price quotes online and most of the time these small insurance companies provide coverage only through independent agencies. Cost effective 1991 Chevy Corsica insurance can be sourced from both online companies and from local insurance agents, so you should compare both so you have a total pricing picture.

Throughout this article, we presented many tips how you can reduce 1991 Chevy Corsica insurance prices online. The key concept to understand is the more rate quotes you have, the better your comparison will be. You may even find the most savings is with a lesser-known regional company.

Additional detailed information can be read in these articles: