View 1998 Chevrolet Metro Insurance Cost

Looking for better car insurance rates for your Chevrolet Metro? Getting budget-priced car insurance online may be difficult for comparing and buying car insurance over the internet. With more and more companies competing online, how are vehicle owners able to have a chance to compare each option to find cheaper car insurance prices?

Low cost insurance quotes online

All major insurance companies such as State Farm and Allstate allow you to get prices for coverage direct online. Getting online quotes is very simple as you just type in the coverage amounts you desire as detailed in the form. After the form is submitted, their system makes automated requests for credit information and your driving record and generates a price.

Online price estimates streamlines rate comparisons, but the time required to go to different websites and complete many quote forms can get tiresome after awhile. But it’s also necessary to perform this step in order to find the lowest price.

Compare rates the easy way

The smarter way to compare rates requires only one form that analyzes rates from multiple companies. It saves time, requires less work, and makes comparison shopping a lot less work. After sending your information, it is rated and you are able to buy any or none of the quote results.

If one or more price quotes are lower than your current rates, you can simply submit the application and buy the new coverage. The entire process takes just a few minutes to complete and you will find out if you’re overpaying now.

If you want to fill out one form to compare multiple rates now, click here to open in new window and enter your information. If you have coverage now, it’s recommended you replicate just like they are on your policy. This way, you will receive comparison quotes based on similar coverages.

Don’t overlook these insurance discounts

Insurance is not cheap nor is it fun to buy but you may be missing some discounts that you may not even be aware of. Many of these discounts will be applied automatically when you quote, but less common discounts must be asked about in order for you to get them.

  • Mature Driver Discount – Drivers over the age of 55 may be able to get lower premium rates on Metro insurance.
  • Homeowners Discount – Owning your own home or condo can get you a discount since home ownership means you have a higher level of financial diligence.
  • Government Employees – Employees or retirees of the government could cut as much as 10% off on Metro insurance with select insurance companies.
  • Passenger Safety Discount – Cars that have air bags and/or automatic seat belt systems may qualify for discounts of 20 to 30 percent.
  • Discount for Low Mileage – Fewer annual miles on your Chevy may allow you to get lower premium rates on the low mileage vehicles.
  • Drivers Education – Have your child participate in a local driver’s education class if offered at their school.
  • ABS Braking Discount – Cars and trucks equipped with ABS or steering control have fewer accidents and will save you 10% or more.
  • Buy New and Save – Putting insurance on a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Accident Free – Drivers who don’t have accidents can save substantially as opposed to accident-prone drivers.
  • Sign Online – Some of the larger companies will provide an incentive shop car insurance over the internet.

Discounts save money, but please remember that some credits don’t apply to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. If you do the math and it seems like all those discounts means the company will pay you, insurance companies aren’t that generous.

If you would like to view insurers with discount rates, click here.

When to get professional advice

When it comes to buying adequate coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining whether your personal situation could use an agent’s help.

  • Will I be non-renewed for getting a DUI or other conviction?
  • What should my uninsured motorist coverage limits be in my state?
  • Should I have a commercial auto policy?
  • Am I covered when delivering products for my home-based business?
  • Do I need PIP coverage since I have good health insurance?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Can I afford to buy a different vehicle if my 1998 Chevy Metro is totaled?
  • Am I covered when driving a rental car?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

How insurance companies calculate Chevy Metro insurance prices

A large part of saving on insurance coverage is knowing some of the elements that come into play when calculating your premiums. If you know what controls the rates you pay, this empowers consumers to make smart changes that may reward you with big savings. Lots of factors are taken into consideration when you get your auto insurance bill. A few of the factors are predictable like your driving record, but other factors are more transparent like your vehicle usage or your commute time.

  • No insurance coverage claims equals better rates – Insurance companies award lower rates to drivers who only file infrequent claims. If you file claims often, you can pretty much guarantee higher premiums or even policy non-renewal. Insurance coverage is intended for the large, substantial claims.
  • Consolidate and save – Some companies afford better rates to buyers who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to ten or even fifteen percent. Even if you’re getting this discount you still need to compare rates to confirm you are receiving the best rates possible. You may still be able to save even more than the discount by splitting coverages up.
  • Better premiums for continuous insurance coverage coverage – Driving with no insurance is a big no-no and you may have a hard time finding new coverage because you let your insurance lapse for non-payment. In addition to paying higher rates, the inability to provide proof of insurance will get you a steep fine or even jail time. You will then be forced to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Liability insurance safeguards assets – A critical coverage on your policy, liability insurance provides coverage when you are found liable for personal injury or accident damage. Your policy’s liability insurance provides legal defense which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Gender is a factor – Statistics demonstrate that women are safer drivers than men. Now that doesn’t mean males are worse at driving than females. Males and females get in accidents at about the same rate, but the males tend to have more serious accidents. Men also have more aggressive citations like DWI (DUI) or reckless driving.

Is there deception in advertising?

State Farm and Allstate seem to constantly run television and radio advertisements. All the companies state the claim about saving some big amount if you change your policy. How does every company save you money? Here is how they do it.

Companies have strict underwriting profiles for a prospective insured that will add to their bottom line. An example of this type of insured may need to be between 30 and 50, has never had a claim, and chooses high deductibles. A customer getting a price quote who meets those qualifications will get a cheap rate quote and as a result will probably cut their rates substantially.

Drivers who are not a match for those standards will get a more expensive rate with the end result being the customer not purchasing. If you pay close attention to the ads, they say “drivers who switch” not “all people who quote” will save that much if they switch. That is how companies can truthfully advertise the savings.

That is why you need to get price quotes at each policy renewal. It’s not possible to predict which insurance companies will have better prices than you’re paying now.

Parts of your insurance policy

Knowing the specifics of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as X-ray expenses, prosthetic devices and dental work. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance – This coverage can cover damage that occurs to a person or their property by causing an accident. It protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as funeral expenses, loss of income, pain and suffering, attorney fees and court costs. How much liability should you purchase? That is a personal decision, but you should buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your 1998 Chevy Metro.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Collision coverages – This will pay to fix damage to your Metro resulting from a collision with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like backing into a parked car, damaging your car on a curb and crashing into a building. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Comprehensive insurance – This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like rock chips in glass, theft, fire damage and damage from flooding. The maximum payout your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Buy online or local, you save

Consumers who switch companies do it for many reasons like policy non-renewal, an unsatisfactory settlement offer, high prices or even delays in paying claims. Regardless of your reason for switching companies, choosing a new company is actually quite simple.

You just learned many ideas to compare 1998 Chevy Metro insurance car insurance rates online. The most important thing to understand is the more companies you get premium rates for, the better chance you’ll have of finding cheaper car insurance. You may even discover the biggest savings come from a smaller regional carrier.

As you prepare to switch companies, you should never skimp on coverage in order to save money. In too many instances, an insured dropped physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. Your objective should be to purchase a proper amount of coverage at the best cost while still protecting your assets.

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