Buyers have options when searching for affordable Chevy Prizm insurance. You can either spend your time contacting agents to compare prices or leverage the internet to get rate quotes.
There are both good and bad ways to shop for insurance coverage so we’re going to tell you the quickest way to quote coverages for a Chevy and get the lowest possible price either online or from local insurance agents.
If you have insurance now or need new coverage, you can learn to shop for the lowest rates and still get good coverage. This article will introduce you to the most effective way to quote insurance and some tips to save money. Vehicle owners only need an understanding of the tricks to get comparison rates online.
There are several ways you can shop for auto insurance but there is one way that is easier and takes less work. You can waste a few hours (or days) talking about coverages with agents in your area, or you can utilize online quotes to maximize your effort.
Many of the larger companies participate in a marketplace that enables customers to enter their coverage request one time, and every company can provide price quotes based on the submitted data. This system prevents you from having to do quotation requests for each company. To use this form to compare rates click here to open in new window.
The only downside to getting quotes like this is buyers cannot specifically choose which providers to get quotes from. If you wish to select from a list of companies to compare rates, we have assembled a list of companies who write auto insurance in your area. Click here to view list.
Whichever method you choose, make absolute certain that you use identical coverage limits on every price quote you get. If the quotes have different data it will be impossible to get a fair rate comparison.
Not many people think insurance is cheap, but there’s a good chance there are discounts that you may not know about. Certain discounts will be triggered automatically when you purchase, but a few need to be specifically requested before you get the savings.
As a footnote on discounts, most discounts do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.
Large insurance coverage companies and some of the premium reductions they offer are:
Before you buy a policy, ask each insurance company which discounts they offer. Some discounts listed above may not apply in your area. To view providers that can offer you the previously mentioned discounts, click here.
When buying adequate coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different.
These are some specific questions may help highlight whether or not you would benefit from professional advice.
If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.
Having a good grasp 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.
Collision coverages – This coverage pays for damage to your Prizm from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things like scraping a guard rail, backing into a parked car, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP kick in for immediate expenses for funeral costs, surgery and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay
Liability – Liability insurance protects you from damage that occurs to a person or their property in an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.
Liability coverage protects against claims such as emergency aid, repair costs for stationary objects, medical expenses, pain and suffering and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.
Comprehensive auto coverage – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as vandalism, damage from flooding, a broken windshield, hail damage and a tree branch falling on your vehicle. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Prizm.
Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.