1990 Chevrolet Corsica Insurance Rates

Searching for cheaper car insurance rates for your Chevrolet Corsica? I can’t think of a single person who likes having to buy car insurance, especially when they are paying too much. Big companies like Allstate, Progressive and Geico all claim big savings with ads and consumers find it hard to see past the corporate glitz and take the time to shop coverage around.

It’s smart to do rate comparisons every six months since rates trend upward over time. If you had the lowest rates for Corsica insurance a year ago you can probably find a better price now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the quickest way to buy cheaper car insurance.

If you are insured now or need a new policy, you can follow these tips to get lower rates and still get good coverage. Buying car insurance is quite easy. Vehicle owners just need to understand the proper methods to compare prices online.

Parts of the Chevy Corsica rate equation

Consumers need to have an understanding of the different types of things that go into determining insurance coverage rates. Understanding what controls the rates you pay helps enable you to make changes that can help you get much lower annual insurance costs.

Listed below are some of the items that factor into your rates.

  • Discounts for multiple policies – Most insurance coverage companies give discounts to insureds who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount you may still want to comparison shop to confirm you are receiving the best rates possible. You may still be able to find a better deal by insuring with multiple companies.
  • Better credit scores mean better rates – Credit rating is a big factor in determining what you pay for insurance coverage. Drivers who have good credit tend to be better drivers and file fewer claims than drivers who have poor credit. So if your credit history can use some improvement, you could potentially save money when insuring your 1990 Chevrolet Corsica by repairing your credit.
  • Older drivers save more – Teenage drivers have a tendency to get distracted easily behind the wheel so insurance coverage rates are higher. Adding a youthful driver to your policy can be very expensive. Older drivers are more responsible, statistically cause fewer accidents and tend to be better behind the wheel.
  • Marriage pays dividends – Being married can get you a discount on your policy. Having a spouse means you’re more responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Liability coverage is cheap – The liability section of your policy is the protection if you are found liable for causing damage or personal injury in an accident. It 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 buy as much as you can afford.
  • Allowing your policy to lapse raises rates – Allowing your insurance coverage policy to lapse will be a guaranteed way to increase your insurance coverage rates. And not only will insurance be more expensive, getting caught without coverage will get you a hefty fine and possibly a revoked license.Then you may be required to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.

Finding Insurance Deals

Getting better 1990 Chevy Corsica insurance pricing can be relatively painless. Drivers just need to take the time to compare quotes online with multiple companies. This can be accomplished using a couple different methods.

  1. The fastest way consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This form prevents you from having to do a different quote for each company you want a rate for. Filling out one form will return price quotes instantly.
  2. A harder way to compare prices requires a trip to each company’s website to complete a price quote. For examples sake, let’s assume you want to compare rates from Nationwide, Esurance and Liberty Mutual. To find out each rate you need to go to every website and enter your information, which is why most consumers use the first method.

    For a list of links to companies insuring cars in your area, click here.

  3. The hardest method to get comparison rates is to spend time driving to and from local insurance agencies. Buying insurance online can eliminate the need for a local agent unless you prefer the trained guidance of a licensed agent. You can, however, comparison shop online and get advice from an agent in your area and we’ll touch on that later.

Whichever method you choose, double check that you are using the exact same coverage limits and deductibles on every quote. If each company quotes higher or lower deductibles it will be very difficult to determine the lowest rate for your Chevy Corsica.

Get lower rates on 1990 Chevy Corsica insurance

Auto insurance companies don’t always advertise every discount very clearly, so we took the time to find both the well known and the harder-to-find ways to save on insurance. If you’re not getting every credit available, you are paying more than you should be.

  • Good Students Pay Less – This discount can earn a discount of 20% or more. The discount lasts until age 25.
  • Pay Upfront and Save – By paying your policy upfront instead of monthly or quarterly installments you could save 5% or more.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Clubs and Organizations – Belonging to a professional or civic organization could qualify you for a break when buying insurance for Corsica insurance.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident before your rates go up as long as you don’t have any claims for a certain period of time.
  • Homeowners Pay Less – Simply owning a home can save you money because of the fact that having a home shows financial diligence.
  • Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes prevent accidents and will save you 10% or more.
  • New Vehicle Savings – Putting insurance coverage on a new car can be considerably cheaper compared to insuring an older model.

Keep in mind that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like medical payments or collision. So despite the fact that it appears you could get a free insurance policy, it doesn’t quite work that way.

Insurance companies that may offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering how you can save money. Discounts might not be offered in your state.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there is no “perfect” insurance plan. Every situation is different so your insurance needs to address that. These are some specific questions could help you determine whether your personal situation would benefit from an agent’s advice.

  • What discounts do I qualify for?
  • Am I insured when driving a different vehicle?
  • Should I sign the liability waiver when renting a car?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How does medical payments coverage work?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

Auto insurance coverages

Learning about specific coverages of a auto insurance policy can be of help when determining the right coverages for your vehicles. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the usual coverages available from auto insurance companies.

Coverage for collisions

Collision coverage covers damage to your Corsica from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as rolling your car, crashing into a ditch, scraping a guard rail and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as theft, damage from a tornado or hurricane, hitting a bird and damage from flooding. The maximum amount your auto insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses for dental work, chiropractic care and X-ray expenses. They are used in conjunction with a health insurance plan 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 is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance

This coverage protects you from damage or injury you incur to other’s property or people by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

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 commonly see values of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like medical services, bail bonds, repair bills for other people’s vehicles and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy Corsica.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Shop. Compare. Save.

As you shop your coverage around, it’s very important that you do not skimp on critical coverages to save a buck or two. There are too many instances where drivers have reduced liability limits or collision coverage only to regret at claim time that saving that couple of dollars actually costed them tens of thousands. The proper strategy is to find the BEST coverage at the best price while still protecting your assets.

We just covered a lot of ways to save on 1990 Chevy Corsica insurance. The key thing to remember is the more companies you get rates for, the better your chances of lowering your rates. Drivers may discover the most savings is with a smaller regional carrier. They may only write in your state and offer lower rates as compared to the big name companies such as Progressive and Geico.

Much more information about insurance is located at these links: