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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Feel like you’re a prisoner to overpriced insurance? Don’t sweat it because many consumers are feeling buyer’s remorse and feel like there’s no way out. There are many insurers to pick from, and though it is a good thing to have a choice, it can be more difficult to compare rates and find the lowest cost insurance.

It’s a great practice to do rate comparisons periodically because insurance rates are adjusted regularly by insurance companies. If you had the lowest rate for Corsica insurance on your last policy the chances are good that you can find a lower price today. Ignore everything you know about insurance because you’re going to get a crash course in one of the quickest ways to properly buy coverages and cut your premium.

Buying the best insurance coverage coverage is easy if you know what you’re doing. If you have a current insurance coverage policy or need new coverage, you will benefit by learning to cut your premiums and still get good coverage. Vehicle owners only need to know the most efficient way to get comparison rates online.

You may qualify for discounts

The cost of insuring your cars can be expensive, but you can get discounts that could drop your premiums quite a bit. A few discounts will automatically apply when you purchase, but lesser-known reductions have to be asked for before being credited.

  • Discounts for Cautious Drivers – Insureds without accidents can save up to 40% or more on their insurance quote for Corsica insurance than drivers with accidents.
  • Telematics Data – Policyholders that allow their company to analyze driving habits by using a telematics device such as Allstate’s Drivewise and State Farm’s In-Drive system could save a few bucks if they have good driving habits.
  • Passenger Safety Discount – Vehicles with factory air bags may qualify for discounts of 25 to 30%.
  • Discount for Life Insurance – Not all car insurance companies offer life insurance, but some may give you a lower premium rate if you buy some life insurance in addition to your auto policy.
  • Accident Forgiveness Coverage – This one isn’t a discount, but companies like Progressive, Allstate, and Liberty Mutual will let one accident slide without getting socked with a rate hike so long as you haven’t had any claims prior to the accident.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save a little off the personal injury premium cost.
  • Paper-free Discount – Many insurance companies may give you up to $50 get insurance online.
  • Active Military Service – Being on active deployment in the military could mean lower car insurance rates.
  • Discounts for Multiple Vehicles – Having multiple cars with one company can reduce rates for all insured vehicles.

It’s important to note that most credits do not apply the the whole policy. Most cut specific coverage prices like comp or med pay. Even though it may seem like you can get free auto insurance, insurance companies wouldn’t stay in business.

Insurance companies that may include these money-saving discounts include:

It’s a good idea to ask each company what discounts are available to you. Discounts might not be offered in your area. If you would like to view companies that offer many of these discounts, click here to view.

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

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How to buy insurance

Finding low cost 1995 Chevy Corsica insurance rates can be relatively painless. All that’s required is to spend a few minutes comparing rates to find out which insurance company has low cost insurance quotes. Rate comparisons can be done in just a few minutes using one of these methods.

  1. The recommended way to get the best comparison quotes is an all-inclusive rate comparison click here to open form in new window. This type of form keeps you from doing separate quotation requests for every insurance company. One form submission gets rate comparisons from many national carriers.
  2. A harder way to shop for insurance online consists of visiting the website of each company to complete a price quote. For sake of this example, we’ll assume you want to view quotes from State Farm, Liberty Mutual and American Family. To get rate quotes you would need to go to every website to input your insurance information, which can get old fast. For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just ensure you are comparing exactly the same coverage limits and deductibles on every quote. If your comparisons have unequal deductibles or liability limits it will be nearly impossible to determine which rate is truly the best.

There’s no such thing as the perfect auto insurance policy

When buying adequate coverage, there is no “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. For instance, these questions can aid in determining if you might need professional guidance.

  • When would I need rental car insurance?
  • Am I getting all the discounts available?
  • Do I have coverage when using my vehicle for my home business?
  • How high should deductibles be on a 1995 Chevy Corsica?
  • Should I carry comprehensive and collision coverage?
  • Can my babysitter drive my car?
  • Is my 1995 Chevy Corsica covered for flood damage?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and can help protect your family.

Insurance coverage basics

Knowing the specifics of your insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages offered by insurance companies.

Auto liability insurance – Liability insurance protects you from injuries or damage you cause to a person or their property that is your fault. It protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is a combined limit which limits claims to one amount without having the split limit caps.

Liability coverage protects against things like bail bonds, medical services, attorney fees, repair costs for stationary objects and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying as high a limit as you can afford.

Medical costs insurance – Coverage for medical payments and/or PIP pay for expenses like hospital visits, X-ray expenses, prosthetic devices and dental work. They can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states and may carry a deductible

Comprehensive or Other Than Collision – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as hail damage, a broken windshield and fire damage. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Chevy Corsica.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Collision coverages – This will pay to fix damage to your Corsica caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things such as driving through your garage door, crashing into a building, hitting a parking meter and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

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

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Buy Smart and Save

Some insurance companies may not offer online quoting and many times these regional insurance providers prefer to sell through independent agents. Cost effective 1995 Chevy Corsica insurance is possible on the web and from local insurance agents, and you need to price shop both to have the best rate selection.

As you shop your coverage around, you should never sacrifice coverage to reduce premiums. In many cases, drivers have reduced collision coverage to discover at claim time that the savings was not a smart move. Your focus should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

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