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...

Full Bio →

Written by

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.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 5, 2015

Advertiser Disclosure

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

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Are you baffled by the number of auto insurance sources available to you? Many other drivers are as well. people have so many choices that it can really be a difficult situation to find a cheaper company.

It’s a good habit to take a look at other company’s rates on a regular basis because insurance prices go up and down regularly. If you had the lowest quotes for Corsica insurance at your last renewal the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to how to use the internet to save money, get proper deductibles and limits, all at the lowest rate.

Choosing the best insurance company for you is easy if you know what you’re doing. Just about every driver who shops for insurance coverage will most likely be able to lower their premiums. Nevertheless, car owners do need to understand how big insurance companies sell online.

Verify you’re receiving every discount

Insurance can be pricey, but you may be missing some discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied at quote time, but some may not be applied and must be asked about prior to getting the savings.

  • Lower Rates for Military – Having a deployed family member may lower your insurance rates slightly.
  • Discount for Passive Restraints – Vehicles with factory air bags or motorized seat belts can qualify for discounts of 25 to 30%.
  • Accident Free – Good drivers with no accidents pay much less as compared to bad drivers.
  • Telematics Data Discounts – People who choose to allow their company to look at where and when they drive by using a telematics device such as Progressive’s Snapshot might get better premium rates as long as they are good drivers.
  • New Car Discount – Buying a new car instead of a used car can be considerably cheaper since newer models are generally safer.
  • Senior Citizen Rates – Seniors are able to get a discount up to 10% for Corsica insurance.
  • Save with More Vehicles Insured – Buying a policy with multiple vehicles on the same insurance policy can get a discount for every vehicle.
  • Theft Prevention Discount – Vehicles that have factory anti-theft systems are less likely to be stolen and will qualify for a discount on a insurance quote.
  • Discount for Low Mileage – Driving less could qualify for slightly better rates than normal.

Discounts lower rates, but most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as comp or med pay. So when the math indicates you could get a free insurance policy, it just doesn’t work that way.

Large insurance companies and some of the premium reductions they offer can be read below.

  • 21st Century may include discounts for driver training, theft prevention, 55 and older, homeowners, automatic seat belts, and air bags.
  • State Farm may have discounts that include student away at school, good driver, multiple policy, anti-theft, and defensive driving training.
  • AAA offers discounts including multi-car, multi-policy, education and occupation, good driver, good student, and pay-in-full.
  • Liberty Mutual may offer discounts for teen driver discount, newly retired, multi-policy, new graduate, good student, multi-car, and safety features.
  • Progressive has savings for continuous coverage, online signing, good student, multi-policy, homeowner, online quote discount, and multi-vehicle.

When getting a coverage quote, ask all the companies to apply every possible discount. Depending on the company, some discounts may not be available in your area. To find providers who offer discounts, click this link.

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

secured lock Secured with SHA-256 Encryption

You can change your insurance prices

Consumers need to have an understanding of the factors that help calculate your car insurance rates. When consumers understand what influences your rates, this helps enable you to make changes that may reward you with cheaper rates. Multiple criteria are part of the equation when premium rates are determined. A few of the factors are predictable such as your driving history, but others are more transparent like your continuous coverage or your financial responsibility.

  • Liability limits on your policy – The liability section of your policy is the protection in the event that you are found liable for personal injury or accident damage. It will provide for a legal defense which can cost a lot. Carrying liability coverage is mandatory and cheap compared to comp and collision, so drivers should make sure they buy enough to cover all assets.
  • Less chance of injury means lower car insurance rates – Cars with high safety ratings tend to have better insurance rates. Vehicles built for safety protect occupants better and lower rates of occupant injuries translates into savings for insurance companies and more competitive rates for policyholders. If your Chevy Corsica has at least four stars on or an “acceptable” rating on it may be receiving lower rates.
  • Where you reside is a factor – Choosing to live in less populated areas may provide you with better prices when shopping for auto insurance. City drivers have traffic congestion and longer commute times. Lower population means reduced accidents in addition to lower liability claims
  • Your age impacts your costs – Teen drivers have been known to be inattentive and easily distracted behind the wheel so car insurance rates are higher. Older insureds are more responsible, tend to cause fewer accidents and tend to be get fewer driving tickets.
  • Do women or men drive better? – Over the last 50 years, statistics have shown that females take fewer risks when driving. Now that doesn’t mean males are worse at driving than females. Both sexes are responsible for auto accidents at a similar rate, but the males tend to have more serious accidents. Men also get cited for more serious violations such as driving while intoxicated (DWI) or driving recklessly. Young males are the most expensive to insure and are penalized with high car insurance rates.

When should I discuss my situation with an agent?

When buying coverage, there isn’t really a perfect coverage plan. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining whether or not you would benefit from an agent’s advice.

  • Am I covered if I hit a deer?
  • Is my camper covered by my car insurance policy?
  • Exactly who is provided coverage by my policy?
  • Am I getting all the discounts available?
  • Is pleasure use cheaper than using my 1994 Chevy Corsica to commute?
  • What if I don’t agree with a claim settlement offer?
  • Do I need added coverage for expensive stereo equipment?
  • How much liability coverage do I need in my state?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Do I get a pro-rated refund if I cancel my policy early?

If it’s difficult to answer those questions, you might consider talking to a licensed agent. To find an agent in your area, take a second and complete this form.

Big names are not always cheapest

Companies like State Farm, Allstate and GEICO endlessly run television and radio advertisements. All the ads say the same thing about how much you will save just by moving your policy. It sounds good, but how can they all have lower policy pricing? This is how they do it.

Insurance companies have specific guidelines for the driver that will add to their bottom line. One example of this type of insured could possibly be between 30 and 50, has no tickets, and drives a lower-performance vehicle. Any new insured who matches those parameters will get low premium rates and most likely will pay quite a bit less when switching companies.

Drivers who may not quite match these stringent criteria will be charged higher rates with the end result being business not being written. The trick companies use is to say “customers who switch” but not “all drivers who get quotes” save that much money. That’s why companies can make those claims. Because of these techniques, you absolutely need to compare price quotes frequently. You cannot predict which company will give you the biggest savings.

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

secured lock Secured with SHA-256 Encryption

Car insurance 101

Knowing the specifics of a insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Collision protection

Collision insurance will pay to fix damage to your Corsica resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like crashing into a ditch, crashing into a building, colliding with another moving vehicle, colliding with a tree and rolling your car. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Comprehensive coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, vandalism, a broken windshield and damage from flooding. The most a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability coverages

This will cover damage or injury you incur to people or other property that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers claims like pain and suffering, medical services, emergency aid and funeral expenses. How much coverage you buy is your choice, but you should buy higher limits if possible.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for bills like funeral costs, X-ray expenses, EMT expenses, doctor visits and pain medications. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Online plus local equals savings

In this article, we presented a lot of techniques to shop for 1994 Chevy Corsica insurance online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even discover the best rates are with some of the lesser-known companies.

More affordable insurance is available both online as well as from insurance agents, so you should compare both to have the best rate selection. A few companies do not provide rates over the internet and many times these regional insurance providers prefer to sell through local independent agents.

When trying to cut insurance costs, it’s not a good idea to buy poor coverage just to save money. Too many times, someone dropped collision coverage and discovered at claim time that it was a big mistake. Your objective should be to purchase plenty of coverage at the best possible price but still have enough coverage for asset protection.

Additional insurance information can be found at the links below