Cheaper 2001 Chevrolet Metro Insurance Rates

Trying to find better insurance coverage rates for your Chevrolet Metro? Searching for better insurance prices for a Chevy Metro can turn out to be a lot of work, but you can use these tips to save time. There is a better way to shop for insurance coverage so we’re going to tell you the best way to get price quotes for a Chevy and obtain the best price possible from local insurance agents and online providers.

If you are insured now or are just looking to switch companies, you can use this information to reduce the price you pay and possibly find even better coverage. Shopping for the cheapest protection is simple if you know the tricks. Drivers just need to learn the proper way to get comparison quotes over the internet.

How to buy insurance coverage

Shopping for lower insurance coverage rates can be a daunting task if you don’t utilize the fastest way to get free quotes. You can waste a lot of time talking about coverages with agents in your area, or you could use online quotes for quick rates.

All the larger companies are enrolled in a marketplace that allows shoppers to submit one quote, and every company then gives them pricing for coverage. This system prevents you from having to do form submissions to each individual insurance coverage company.

To compare rates now click to open in new window.

The only drawback to using this type of form is you cannot specify the providers to receive prices from. So if you want to choose specific providers to request quotes from, we have a page of insurance coverage companies in your area. Click here to view list.

Compare rates however you want, just be sure to compare equivalent quote information for each comparison quote. If you enter different liability limits you can’t possibly truly determine the lowest rate.

Take advantage of every insurance coverage discount

Insurance coverage is expensive, but there’s a good chance there are discounts that many people don’t even know exist. Many of these discounts will be applied automatically at the time you complete a quote, but some discounts are required to be requested specifically before they will apply.

  • Passenger Safety Discount – Cars that have air bags and/or automatic seat belt systems could see savings up to 30%.
  • Drive Safe and Save – Accident-free drivers may save up to 50% more on Metro coverage than drivers with accident claims.
  • Distant Student – Any of your kids who live away from home to go to college without a vehicle on campus may be able to be covered for less.
  • Discounts for Government Workers – Simply working for the federal government may reduce rates when you quote insurance on Metro coverage with some insurance coverage companies.
  • ABS Braking Discount – Cars and trucks with ABS braking systems or traction control are safer to drive and will save you 10% or more.
  • Save with a New Car – Buying a new car model can save you some money because new model year vehicles have to meet stringent safety requirements.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the entire cost. Some only reduce the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like all those discounts means the company will pay you, you’re out of luck.

A few of the larger companies and their offered discounts can be found below.

  • Progressive has discounts for continuous coverage, multi-policy, good student, online quote discount, homeowner, and multi-vehicle.
  • AAA offers discounts including anti-theft, education and occupation, multi-car, AAA membership discount, pay-in-full, multi-policy, and good student.
  • Farmers Insurance policyholders can earn discounts including alternative fuel, early shopping, distant student, good student, youthful driver, and electronic funds transfer.
  • GEICO may have discounts that include defensive driver, good student, five-year accident-free, air bags, and anti-theft.
  • Esurance may offer discounts for paid-in-full, multi-policy, anti-theft, online shopper, good student, and renters.
  • SAFECO includes discounts for bundle discounts, safe driver, accident prevention training, multi-car, anti-theft, teen safe driver, and teen safety rewards.
  • State Farm discounts include driver’s education, multiple policy, accident-free, good driver, student away at school, Drive Safe & Save, and multiple autos.

If you are trying to find affordable insurance quotes, ask every company how many discounts you can get. Some of the earlier mentioned discounts may not be offered in your area. To view insurance companies who offer insurance coverage discounts, follow this link.

How to know if you need help

When choosing coverage for your vehicles, there really is not a cookie cutter policy. Everyone’s situation is unique.

These are some specific questions can help discover whether you could use an agent’s help.

  • Are all vehicle passengers covered by medical payments coverage?
  • Should I have combined single limit or split liability limits?
  • Do I need replacement cost coverage on my 2001 Chevy Metro?
  • What is the minimum liability in my state?
  • Should I buy additional glass protection?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered if I drive in a foreign country?
  • At what point should I drop full coverage?
  • Can I rate high risk drivers on liability-only vehicles?
  • Do I need motorclub coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Specific coverage details

Having a good grasp of your auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Liability insurance – Liability coverage protects you from damage or injury you incur to other’s property or people. It protects you against other people’s claims, 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. As an example, you may have values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims like loss of income, structural damage and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as hail damage, hitting a deer, rock chips in glass, damage from flooding and a broken windshield. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverages – Collision coverage covers damage to your Metro caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like damaging your car on a curb, crashing into a building, crashing into a ditch, scraping a guard rail and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP pay for bills such as ambulance fees, rehabilitation expenses, hospital visits and doctor visits. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage