1996 Chevrolet Beretta Car Insurance Cost – 8 Ways to Save

Searching for low-cost car insurance over the internet may be problematic for people who are new to shopping for insurance online. Since there are so many insurers to choose from, how can you have a chance to compare the different rates to find the cheapest rates?

How to Compare Auto Insurance Costs

The are a couple different ways of comparing rate quotes from different insurance companies. By far the easiest way to compare 1996 Chevy Beretta insurance prices consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.

  • The first (and easiest) way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This easy form prevents you from having to do separate forms for every auto insurance company. Completing one form gets you price quotes from auto insurance companies with the best prices. Recommended for those who want to invest the least amount of time.
  • Another way to analyze rates is to take the time to go to each company’s website to complete their respective quote request forms. For sake of this example, we’ll assume you want to compare rates from Liberty Mutual, State Farm and Geico. To get each rate you have to take the time to go to each site and enter your information, and that’s why the first method is more popular.

    To view a list of companies in your area, click here.

It’s your choice how you get your quotes, but make absolute certain that you use apples-to-apples coverage limits and deductibles for every company. If your comparisons have higher or lower deductibles you will not be able to find the best deal for your Chevy Beretta. Slightly different limits can mean a large discrepancy in price. Just keep in mind that comparing more company’s prices helps you find a better price.

Can you really save $479 a year?

Companies like Geico, State Farm and Progressive constantly bombard you with ads on television and other media. All the ads say the same thing about savings if you switch your policy. How does each company make the same claim? This is how they do it.

All companies have a certain “appetite” for the type of driver they prefer to insure. For instance, a desirable insured might be profiled as between the ages of 30 and 50, has no driving citations, and has excellent credit. Any driver who matches those parameters gets the lowest rates and as a result will probably save quite a bit of money when switching.

Drivers who don’t measure up to this ideal profile will be charged higher rates which usually ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “people who quote” save that much money. That’s the way companies can truthfully state the savings. That is why you absolutely need to get as many quotes as possible. It’s impossible to know which insurance coverage company will provide you with the cheapest Chevy Beretta insurance rates.

Don’t pay full price with these eight discounts

Companies don’t always list every discount very well, so we break down some of the more common as well as the least known ways to save on insurance.

  • Federal Employees – Active or retired federal employment can earn a discount up to 10% on Beretta coverage with select insurance companies.
  • Defensive Driving Course – Taking part in a course in driver safety could save 5% or more if you qualify.
  • Discount for Life Insurance – Some companies give lower rates if you buy auto and life insurance together.
  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiring. The savings is around 10%.
  • Safe Drivers – Drivers who avoid accidents may save up to 50% more on Beretta coverage than less cautious drivers.
  • Payment Method – If you pay your bill all at once rather than paying monthly you may reduce your total bill.
  • Braking Control Discount – Anti-lock brake equipped vehicles prevent accidents and qualify for as much as a 10% discount.
  • No Accidents – Good drivers with no accidents pay much less as compared to frequent claim filers.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. So when the math indicates it’s possible to get free car insurance, it doesn’t quite work that way.

For a list of insurers with discount insurance rates, click here.

Your personal situation dictates your coverage

When buying the right insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Every situation is different.

For example, these questions can help discover if your situation could use an agent’s help.

  • What is high-risk coverage and where do I buy it?
  • Can I get a multi-policy discount?
  • Do I need replacement cost coverage on my 1996 Chevy Beretta?
  • Am I covered if I break a side mirror?
  • When would I need rental car insurance?
  • Is a fancy paint job covered?
  • What vehicles should carry emergency assistance coverage?
  • How many claims can I have before being cancelled?
  • Does coverage extend to a rental car in a foreign country?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Specifics of your car insurance policy

Having a good grasp of your car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be ambiguous and coverage can change by endorsement.

Collision coverage – This coverage will pay to fix damage to your Beretta from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a mailbox, backing into a parked car, sideswiping another vehicle, colliding with another moving vehicle and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. Another option is to increase the deductible to bring the cost down.

Liability – Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage protects against things such as repair bills for other people’s vehicles, attorney fees, funeral expenses, legal defense fees and court costs. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured or underinsured coverage – This protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive protection – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a deer, fire damage, hail damage and a broken windshield. The most a car insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical expense coverage – Coverage for medical payments and/or PIP provide coverage for immediate expenses for things like hospital visits, funeral costs, surgery, pain medications and X-ray expenses. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

You can do this!

While you’re price shopping online, do not reduce needed coverages to save money. There have been many cases where an insured dropped uninsured motorist or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy a smart amount of coverage at an affordable rate.

Consumers switch companies for many reasons like delays in paying claims, questionable increases in premium, policy non-renewal and even extreme rates for teen drivers. Regardless of your reason, switching companies is pretty easy and you might even save some money in the process.

Cheap 1996 Chevy Beretta insurance is definitely available on the web and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. There are still a few companies who may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

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