Cheaper 1994 Chevrolet Corsica Insurance Quotes

Having to pay for overpriced auto insurance can dwindle your personal savings and make it hard to pay other bills. Shopping your coverage around is free and is an excellent way to reduce premiums and put more money in your pocket. Online insurance companies like Allstate, Liberty Mutual and State Farm all claim big savings with ads and it is difficult to ignore the promise of big savings and do the work needed to find the best deal.

It is always a good idea to price shop coverage occasionally since insurance rates are constantly changing. Just because you found the best deal for Corsica insurance six months ago you may be paying too much now. Ignore everything you know about auto insurance because I’m going to let you in on the secrets to the proper way to buy cheaper auto insurance.

Comparison of Insurance Coverage

Lowering your 1994 Chevy Corsica insurance coverage rates isn’t really that difficult. You just have to invest a little time comparing rate quotes online from several insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The fastest way consumers can make multiple comparisons would be an industry-wide quote request form click to view form in new window. This method saves time by eliminating a different quote to each individual insurance coverage company. A single, simple form compares rates from insurance coverage companies with the best prices.

Another way to analyze rates consists of visiting each company’s website and fill out their own quote form. For example, we’ll assume you want to compare rates from Geico, State Farm and Allstate. You would have to go to every website to enter your coverage information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

The least recommended way to get comparison rates is to drive around to different agent offices. Buying insurance online eliminates the need for an insurance agent unless you prefer the professional advice that only a license agent can provide. It is possible to compare online quotes but still have the advice of a local agent and you’ll learn how to do that later.

It’s your choice how you get your quotes, but make sure you use exactly the same coverage limits and deductibles for each comparison quote. If your comparisons have different liability limits it will be very difficult to make an equal comparison.

Chevy Corsica insurance rates consist of many parts

It’s important that you understand the factors that play a part in calculating the rates you pay for car insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that will entitle you to much lower annual insurance costs.

Shown below are a few of the “ingredients” that factor into prices.

  • Occupation reflects on rates – Jobs such as judges, social workers and dentists are shown to have the highest average rates attributed to high stress levels and lengthy work days. Other occupations such as pilots, historians and the unemployed pay the least for Corsica insurance.
  • Drive a safer car and pay less – Vehicles with good safety scores tend to have better insurance rates. Safer cars protect occupants better and better occupant protection translates into savings for insurance companies passed on to you as lower rates. If your Chevy Corsica has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Higher deductibles cost less – Coverage for physical damage, also known as collision and other-than-collision, protects your Chevy from damage. Some examples of claims that would be covered are a windshield shattered by a rock, damage caused by hail, and windstorm damage. The deductibles are the amount of money you are required to spend out-of-pocket if you file a covered claim. The higher the amount the insured has to pay upfront, the lower your rates will be for Corsica insurance.
  • Younger drivers pay higher rates – Young drivers tend to be more careless in a vehicle so they pay higher car insurance rates. Mature drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.
  • Battle of the sexes – Statistics demonstrate that women are safer drivers than men. However, don’t assume that men are worse drivers. Both sexes tend to get into accidents in similar numbers, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as reckless driving.
  • Where you live – Being located in less populated areas can save you money when talking about car insurance. Drivers who live in large cities have to deal with traffic congestion and much longer commute distances. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft.
  • Your credit rating is important – Your credit history is a large factor in calculating your car insurance rates. Therefore, if your credit is not that good, you could save money insuring your 1994 Chevrolet Corsica by spending a little time repairing your credit. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with lower credit scores.

How much can you save with discounts?

Properly insuring your vehicles can get expensive, but there could be available discounts that can drop the cost substantially. A few discounts will automatically apply when you quote, but lesser-known reductions have to be inquired about prior to getting the savings. If you’re not getting every credit available, you’re just leaving money on the table.

  • Early Signing – Some insurance companies reward drivers for switching policies before your current expiration date. This can save 10% or more.
  • Senior Citizens – Mature drivers may receive a small decrease in premiums for Corsica insurance.
  • Theft Prevention Discount – Vehicles with anti-theft systems can help prevent theft and will save you 10% or more.
  • Own a Home – Being a homeowner may trigger a insurance policy discount because maintaining a house is proof that your finances are in order.
  • One Accident Forgiven – A handful of insurance companies allow you one accident without raising rates as long as you don’t have any claims for a certain period of time.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only cut the price of certain insurance coverages like medical payments or collision. Even though it may seem like adding up those discounts means a free policy, companies don’t profit that way. Any amount of discount will help reduce your premiums.

Insurance companies that may have these benefits may include but are not limited to:

Before buying, ask every prospective company which discounts you may be entitled to. All car insurance discounts might not apply everywhere.

How much car insurance do I need?

When buying proper insurance coverage, there really is no perfect coverage plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions can help discover whether you will benefit from professional help.

  • What should my uninsured motorist coverage limits be in my state?
  • Do I need higher collision deductibles?
  • What if I don’t agree with a claim settlement offer?
  • Does coverage extend to Mexico or Canada?
  • Are all vehicle passengers covered by medical payments coverage?
  • When should I remove comp and collision on my 1994 Chevy Corsica?
  • What companies insure drivers after a DUI or DWI?
  • When would I need additional glass coverage?
  • Is pleasure use cheaper than using my 1994 Chevy Corsica to commute?
  • Is my trailer covered?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

The coverage is in the details

Learning about specific coverages of your policy can be of help when determining appropriate coverage and proper limits and deductibles. Insurance terms can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages available from insurance companies.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like damage from getting keyed, damage from a tornado or hurricane, rock chips in glass, a tree branch falling on your vehicle and vandalism. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 1994 Chevy Corsica.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally the UM/UIM limits are set the same as your liablity limits.

Liability auto insurance

This coverage can cover damages or injuries you inflict on other’s property or people. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has 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 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Another option is a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as medical services, bail bonds and pain and suffering. How much coverage you buy is your choice, but it’s cheap coverage so purchase as much as you can afford.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses for nursing services, surgery, pain medications, ambulance fees and EMT expenses. They are often used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Collision coverage protection

This 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 things like colliding with a tree, backing into a parked car, driving through your garage door and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

The bottom line

Low-cost 1994 Chevy Corsica insurance is attainable both online as well as from independent agents, and you need to price shop both in order to have the best chance of saving money. A few companies don’t offer online price quotes and many times these small insurance companies only sell through independent insurance agents.

We just presented some good ideas how you can get a better price on insurance. It’s most important to understand that the more rate quotes you have, the more likely it is that you will get a better rate. You may even find the lowest priced car insurance comes from a small mutual company. These companies may only write in your state and offer lower rates than their larger competitors like Allstate or State Farm.

More detailed car insurance information is located by following these links: