2004 Chevrolet Classic Car Insurance Quotes

Trying to find lower insurance coverage rates for your Chevrolet Classic? Perplexed by the wide range of insurance coverage choices in your area? You have so many choices that it can easily turn into a real difficult job to find the best premium rates.

It’s a great practice to shop coverage around quite often because insurance coverage prices are variable and change quite frequently. Even if you think you had the lowest price on Classic coverage a couple years back there is a good chance you can find better rate quotes now. You can find a lot of information about insurance coverage on the web, but by reading this article, you’re going to learn some excellent ideas to slash your insurance coverage rates.

Auto Insurance Discounts

Some providers don’t necessarily list the complete list of policy discounts in a way that’s easy to find, so the list below details some of the best known in addition to some of the lesser obvious auto insurance savings.

• Discounts for New Vehicles – Insuring a new car can save you some money since new model year vehicles are generally safer.
• Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes are safer to drive and qualify for as much as a 10% discount.
• Distant Student – College-age children who are enrolled in a college that is more than 100 miles from home and do not have access to a covered vehicle could qualify for this discount.
• Good Student Discount – Maintaining excellent grades can earn a discount of 20% or more. You can use this discount normally up until you turn 25.
• Low Miles Discount – Low mileage vehicles may enable drivers to earn discounted prices on garaged vehicles.
• Claim Free – Insureds with no claims or accidents pay less as compared to drivers with a long claim history.

Consumers should know that most discounts do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. Even though it may seem like all those discounts means the company will pay you, you’re out of luck.

Some of the larger companies that possibly offer most of the discounts above include:

• Travelers
• 21st Century
• State Farm
• GEICO
• SAFECO
• AAA

Before purchasing a policy, check with all the companies which discounts you may be entitled to. Some discounts may not be offered in your area.

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Smart buyers can lower insurance rates

An important part of buying insurance is that you know a few of the rating criteria that go into determining your premiums. If you know what controls the rates you pay, this empowers consumers to make smart changes that could result in cheaper rates. Many different elements are used when premium rates are determined. Some factors are common sense like your driving record, although some other factors are less obvious like your vehicle usage or your commute time.

• Responsible drivers pay less – Getting just one speeding ticket or other violation can boost insurance rates forty percent or more. Drivers who don’t get tickets tend to pay less for car insurance than their less careful counterparts. Drivers with careless violations such as DWI, reckless driving or hit and run convictions may find that they have to to maintain a SR-22 with the DMV in their state in order to legally drive.
• When should you not file a claims? – If you file a lot of claims you can look forward to higher rates. Car insurance companies award lower rates to policyholders who do not rely on their insurance for small claims. Auto insurance is intended for major claims that would cause financial hardship.
• Small coverages can add up – There are a lot of add-on coverages that can add up if you don’t pay attention. Coverages for rental car coverage, death and dismemberment, and motor club memberships are probably not needed. The coverages may be enticing at first, but your money might be better spent on other coverage so remove them and pocket the money.
• With age comes lower premiums – Drivers with little experience have a tendency to be inattentive with other occupants in the car so they pay higher car insurance rates. More mature drivers tend to be more responsible, are lower risk to insure and tend to be get fewer driving tickets.
• Save money by having responsible credit – Having a bad credit score will be a significant factor in determining your rates. If your credit history could use some work, you could save money insuring your 2004 Chevrolet Classic if you improve your credit rating. Drivers who have excellent credit scores tend to be better drivers and file fewer claims than drivers with lower credit ratings.
• Gender and auto insurance premiums – Over the last 30 years, statistics show that females tend to be a little less risky than males. However, don’t assume that women are BETTER drivers than men. Men and women are in at-fault accidents at about the same rate, but guys cause more damage. Men also tend to get higher numbers of serious violations such as DWI and reckless driving.
• Big cities have higher prices – Being located in less populated areas has it’s advantages when buying car insurance. Drivers who live in large cities regularly have more road rage incidents and more time behind the wheel. Less people translates into fewer accidents and also fewer theft and vandalism claims.
• Uninterrupted coverage lowers car insurance rates – Allowing your car insurance policy to lapse is a sure-fire way to increase your car insurance rates. And not only will insurance be more expensive, being ticketed for driving with no insurance could earn you a hefty fine and possibly a revoked license. You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.

Tailor your car insurance coverage to you

When choosing adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

These are some specific questions may help highlight if you will benefit from professional help.

• How can I get high-risk coverage after a DUI?
• What is high-risk coverage and where do I buy it?
• Am I covered by my spouse’s policy after a separation?
• Do I need more liability coverage?
• How does medical payments coverage work?
• How high should my uninsured/underinsured coverage be in my state?
• How can I force my company to pay a claim?
• Is my cargo covered for damage or theft?
• Why am I be forced to buy a membership to get insurance from some companies?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form.

Insurance companies are expert advertisers

Insurance companies such as Allstate and Progressive continually stream ads in print and on television. All the ads have a common claim that drivers will save a bundle after switching your insurance policy to them. How can each company charge lower premium rates? This is the way they can do it.

Many companies require specific criteria for the type of customer that will most likely be profitable. A good example of this type of risk profile may need to be a female over age 40, is a homeowner, and drives a vehicle with a low ISO rating. A driver who fits that profile receives the best car insurance rates and will pay quite a bit less when switching companies.

Potential insureds who fall outside this stringent profile will get a higher premium which translates to the customer not buying. Company advertisements say “drivers that switch” not “all people who quote” save that much money. This is how companies can make it sound like they have such great premium rates. This illustrates why you should get a wide range of price quotes. It is impossible to predict the company that will have the lowest car insurance rates for your situation.

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Information about specific coverages

Understanding the coverages of your insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy.

Liability coverage – Liability insurance protects you from damage or injury you incur to a person or their property. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability coverage pays for claims like pain and suffering, funeral expenses, legal defense fees and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and also any damage incurred to your 2004 Chevy Classic.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive auto coverage – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from getting keyed, fire damage, hail damage, hitting a bird and falling objects. The maximum payout you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage – Med pay and PIP coverage kick in for short-term medical expenses for prosthetic devices, EMT expenses, nursing services, hospital visits and X-ray expenses. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Collision coverage – This will pay to fix damage to your Classic resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with another moving vehicle, backing into a parked car, colliding with a tree and sideswiping another vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Be a Smart Shopper

We covered some good ideas how to lower your 2004 Chevy Classic insurance rates. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding cheaper auto insurance. You may be surprised to find that the best price on auto insurance is with the smaller companies.

Lower-priced auto insurance can be purchased from both online companies and from local agencies, so you should compare both to have the best rate selection. There are still a few companies who do not offer online price quotes and usually these regional carriers sell through independent agents.

When getting auto insurance quotes online, don’t be tempted to skimp on coverage in order to save money. There are many occasions where someone sacrificed collision coverage and discovered at claim time they didn’t purchase enough coverage. Your strategy should be to buy the best coverage you can find for the lowest price while still protecting your assets.

Additional detailed information can be read by following these links:

• Child Safety FAQ (iihs.org)
• Protecting Teens from Drunk Driving (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Medical Payments Coverage (Liberty Mutual)