Cheap 2002 Chevrolet Prizm Car Insurance Quotes

Drivers have lots of choices when trying to find affordable Chevy Prizm insurance. They can either waste time driving around getting price quotes or save time using the internet to compare rates.

There are both good and bad ways to shop for car insurance and you need to know the absolute fastest way to compare rates on a Chevy and locate the best price possible either online or from local insurance agents.

This article will help you learn the best way to quote coverages and some money-saving tips. If you have car insurance now, you should be able to lower your premiums substantially using this strategy. Drivers just need to know the proper methods to get comparison quotes online.

The best way to compare insurance rates in your area is to realize most of the larger companies will pay a fee to give free rates quotes. The only thing you need to do is provide the companies a bit of rating information like which vehicles you own, how old drivers are, if the car is leased, and whether the vehicles are used for commuting. That information gets transmitted to insurance companies and you receive quotes almost instantly.

Take policy discounts and save

Some insurers don’t always list the complete list of policy discounts in an easy-to-find place, so we researched both well-publicized and also the lesser-known discounts you could be receiving when you buy insurance online. If they aren’t giving you every credit possible, you are throwing money away.

  • Paperwork-free – Some insurance coverage companies will give a small break for completing your application on the web.
  • Anti-theft Discount – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Payment Method – By making one initial payment rather than spreading payments over time you could save 5% or more.
  • Discount for Good Grades – Getting good grades can save 20 to 25%. You can use this discount normally until age 25.
  • No Claim Discounts – Insureds with no claims or accidents can save substantially in comparison to bad drivers.
  • Anti-lock Brake System – Cars, trucks, and SUVs that have steering control and anti-lock brakes are much safer to drive and earn discounts up to 10%.

Remember that most of the big mark downs will not be given the the whole policy. Most only apply to the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. But any discount will cut your policy premium.

The best insurance coverage companies and a summarized list of policyholder discounts are included below.

  • State Farm offers discounts for defensive driving training, accident-free, passive restraint, multiple policy, and Steer Clear safe driver discount.
  • GEICO has savings for good student, seat belt use, defensive driver, federal employee, anti-lock brakes, and driver training.
  • Liberty Mutual includes discounts for new move discount, newly retired, teen driver discount, multi-policy, newly married, and new graduate.
  • The Hartford may include discounts for defensive driver, good student, vehicle fuel type, air bag, driver training, anti-theft, and bundle.
  • MetLife discounts include claim-free, multi-policy, good driver, defensive driver, and good student.
  • Progressive may offer discounts for homeowner, online quote discount, online signing, good student, multi-vehicle, continuous coverage, and multi-policy.

When comparing rates, check with each company or agent what discounts are available to you. Savings may not be available in your area. To see a list of companies who offer insurance coverage discounts, click this link.

Which policy gives me the best coverage?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is a little different.

For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Am I covered if I drive in a foreign country?
  • Should I put collision coverage on all my vehicles?
  • Does insurance cover tools stolen from my truck?
  • Is my dog or cat covered if injured in an accident?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I better off with higher deductibles on my 2002 Chevy Prizm?
  • Should I buy full coverage?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Informed consumers can lower their insurance rates

Consumers need to have an understanding of some of the things that help determine your insurance coverage rates. If you have a feel for what influences your rates, this enables you to make decisions that will entitle you to cheaper rates. Many things are part of the equation when you get a price on insurance. Some are obvious like an MVR report, but some are less apparent like where you live or your financial responsibility.

Shown below are some of the things used by your company to calculate your prices.

  • Men tend to take more risk – Over the last 50 years, statistics have shown women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. Males and females get in accidents at about the same rate, but the males have accidents that have higher claims. Men also tend to get ticketed for serious violations like driving under the influence (DUI).
  • Never go without insurance coverage – Going without insurance is a fast way to increase your insurance coverage rates. Not only will you pay more, failure to provide proof of insurance could earn you fines or a revoked license.
  • Rates can be impacted by your occupation – Jobs like lawyers, executives and stock brokers have higher average rates attributed to intense work requirements and lots of time spent at work. On the flip side, occupations like professors, historians and performers generally pay rates lower than average for Prizm insurance.
  • Insurance companies don’t like frequent policy claims – If you file a lot of claims you should expect increased rates or even have your policy non-renewed. Car insurance companies provide the lowest premiums to insureds who are not frequent claim filers. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
  • Mature drivers are lower risk – Drivers with little experience are known to be more careless behind the wheel and because of this, their insurance coverage rates are much higher. Adding a youthful driver to your policy can cause a big jump in price. More mature drivers are more responsible, are lower risk to insure and get fewer tickets.
  • Amount of liability – A critical coverage on your policy, liability insurance will protect you when a jury decides you are liable for damages caused by your negligence. Liability insurance provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Save money with alarms and GPS tracking – Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all help stop auto theft and help lower rates.
  • More people means more accidents – Being located in less populated areas of the country may provide you with better prices when trying to find low car insurance rates. Drivers who live in large cities regularly have more auto accidents and higher rates of accident claims. Fewer drivers means a lower chance of having an accident and lower theft and vandalism rates.

Parts of your auto insurance policy

Learning about specific coverages of a auto insurance policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Liability coverages

This can cover injuries or damage you cause to a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like loss of income, attorney fees, medical services, bail bonds and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for collisions

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, sideswiping another vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your 2002 Chevy Prizm.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for expenses for chiropractic care, ambulance fees, EMT expenses, hospital visits and rehabilitation expenses. They are used to cover expenses not covered by your health insurance program or if you are not covered by health insurance. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance

This coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things such as damage from flooding, damage from a tornado or hurricane, hitting a bird and vandalism. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Don’t be a big spender

Cheaper insurance can be bought from both online companies and from local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. Some insurance companies may not have online rate quotes and these regional carriers sell through independent agencies.

We’ve covered some good ideas how you can compare 2002 Chevy Prizm insurance prices online. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding cheap insurance. You may even discover the lowest prices come from a lesser-known regional company.

People who switch companies do it for many reasons like not issuing a premium refund, high rates after DUI convictions, an unsatisfactory settlement offer and policy cancellation. It doesn’t matter what your reason, switching insurance companies can be less work than you think.

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