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: Aug 27, 2018

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It’s all about you. We want to help you make the right coverage choices.

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If you’re searching for more affordable insurance on the web, do you get frustrated by the number of insurance choices that you can choose from? You have such a vast assortment of choices available that it can easily become a chore to lower your premium rates.

You should make it a habit to do price comparisons occasionally since insurance prices fluctuate regularly. Just because you had the best price for Corsica insurance a few years ago you will most likely find a better rate quote today. Ignore everything you know about insurance because you’re about to learn the only way to lower your annual insurance bill.

Choosing the best insurance company for you is not that difficult. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. Although drivers can benefit by having an understanding of how the larger insurance companies price insurance differently and take advantage of how the system works.

Compare quotes for insurance

The are a couple different ways to get quotes from different insurance companies. The best way to do a complete rate comparison involves getting comparison quotes online. This is very easy and can be done in several different ways.

  1. If you’re in a hurry, the quickest way to get quotes for comparison is a comparison rater form click to view form in new window. This quick form keeps you from doing repetitive form entry for each price estimate. One quote request gets rate comparisons from several companies. This is perfect if you don’t have a lot of time.
  2. A less efficient way to compare rate quotes requires you to visit each company website to complete a price quote. For instance, we’ll pretend you want to compare Allstate, Esurance and American Family. In order to get each rate, you would have to go to each individual site to enter the same coverage data repeatedly, which is why first method is reommended.

    To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just do your best to use equivalent deductibles and coverage limits for every quote you compare. If each company quotes different values for each quote it’s not possible to truly determine the lowest rate. Just a small difference in insurance coverages may cause a big price difference. It’s important to know that comparing more company’s prices will enable you to find a better price.

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

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Are you earning every discount?

Car insurance is not cheap, but companies offer discounts that can drop the cost substantially. Some discounts apply automatically when you purchase, but lesser-known reductions have to be asked for in order for you to get them.

  • New Car Discount – Buying a new car model can get you a discount since newer vehicles are generally safer.
  • Theft Deterent Discount – Cars equipped with tracking devices and advanced anti-theft systems prevent vehicle theft so companies will give you a small discount.
  • Lower Rates for Military – Being deployed in the military could trigger a small discount.
  • Passive Restraints – Options like air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Discount for Low Mileage – Fewer annual miles on your Chevy could earn lower insurancerates on the low mileage vehicles.
  • Include Life Insurance and Save – Not every insurance company offers life insurance, but if they do you may earn a break if you buy a life insurance policy as well.
  • Safe Driver Discount – Accident-free drivers can save as much as half off their rates for Corsica insurance as compared to drivers with claims.

As a footnote on discounts, some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as comprehensive or collision. Even though the math looks like you can get free auto insurance, nobody gets a free ride.

To choose providers that can offer you the previously mentioned discounts, follow this link.

When in doubt talk to an agent

When it comes to buying coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions may help highlight if you may require specific advice.

  • Is my cargo covered for damage or theft?
  • How does medical payments coverage work?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do all my vehicles need collision coverage?
  • What are the best liability limits?
  • Is my state a no-fault state?
  • When can I cancel my policy?
  • Do I have coverage when pulling a U-Haul trailer?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form.

Learn about car insurance coverages for a Chevy Corsica

Understanding the coverages of your policy helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Corsica.

Because many people have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Liability insurance

Liability coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as medical services, attorney fees and medical expenses. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverages

This will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as damage from getting keyed, damage from a tornado or hurricane and hail damage. The most a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like chiropractic care, rehabilitation expenses, doctor visits, pain medications and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Collision coverage

This coverage pays for damage to your Corsica from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like damaging your car on a curb, hitting a mailbox and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.