Locating low-cost insurance for a new or used Chevy Classic can turn out to be a lot of work, but you can use these tips to make it easier. There is a better way to shop for insurance coverage so you’re going to learn the quickest way to compare rates for a Chevy and locate the best price possible from local insurance agents and online providers.
Shopping for lower insurance rates can be challenging if you don’t understand the best way to get rate quotes. You could spend the better part of a day discussing policy coverages with agents in your area, or you could save time and use online quoting to get pricing more quickly.
The majority of car insurance companies participate in an industry program where insurance shoppers send in one quote, and at least one company returns a competitive quote for coverage. This prevents consumers from doing repetitive form submissions for each company you want a rate for.
To submit your quote information now, click here to start a free quote.
The only drawback to using this type of system is you are unable to specify the providers to get pricing from. So if you want to choose specific insurance companies to request quotes from, we put together a list of the cheapest insurance companies in your area. Click here for list of insurance companies.
It’s up to you which method you use, but make sure you compare the same information for each comparison quote. If you enter mixed coverages it’s not possible to truly determine the lowest rate.
Car insurance is neither fun to buy or cheap, but you might already qualify for some discounts to help bring down the price. A few discounts will automatically apply at the time you complete a quote, but a few need to be manually applied prior to getting the savings.
You should keep in mind that some of the credits will not apply to all coverage premiums. Some only reduce specific coverage prices like liability, collision or medical payments. If you do the math and it seems like having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts should definitely cut the amount you pay for coverage.
Larger car insurance companies and some of the discounts are outlined below.
If you are trying to find the cheapest car insurance quotes, ask every prospective company which discounts you may be entitled to. All car insurance discounts may not apply to policyholders everywhere. To see a list of insurance companies that offer the discounts shown above, follow this link.
When choosing coverage, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.
Here are some questions about coverages that may help you determine if your situation could use an agent’s help.
If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.
Learning about specific coverages of a auto insurance policy aids in choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.
Uninsured/Underinsured Motorist (UM/UIM)
This coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Chevy Classic.
Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive can pay for claims like falling objects, damage from a tornado or hurricane and theft. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision can pay for claims like driving through your garage door, crashing into a ditch, sideswiping another vehicle, rolling your car and crashing into a building. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.
Auto liability insurance
Liability insurance protects you from injuries or damage you cause to people or other property by causing an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 100/300/100 which stand for $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage pays for claims such as funeral expenses, bail bonds, court costs, attorney fees and medical expenses. How much liability coverage do you need? That is a personal decision, but buy as much as you can afford.
Med pay and Personal Injury Protection (PIP)
Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as nursing services, X-ray expenses and dental work. They are often used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage
As you go through the steps to switch your coverage, do not buy poor coverage just to save money. There have been many situations where an insured dropped uninsured motorist or liability limits only to regret that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at an affordable rate, but do not skimp to save money.
We covered many ideas to reduce 2005 Chevy Classic insurance car insurance rates online. The key concept to understand is the more rate comparisons you have, the better chance you’ll have of finding low cost car insurance. You may even find the best price on insurance is with the smaller companies.
Insureds who switch companies do it for a variety of reasons including lack of trust in their agent, policy cancellation, delays in responding to claim requests or an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new company can be easy and end up saving you some money.