1998 Chevrolet Metro Insurance Quotes

Looking for the cheapest insurance coverage rates? Shoppers have many options when shopping for affordable Chevy Metro insurance. You can either spend your time struggling with agents trying to get quotes or utilize the internet to make rate comparisons.

There is a better way to find insurance coverage online and we’ll show you the best way to price shop coverage for a new or used Chevy and obtain the lowest possible price from local insurance agents and online providers.

You should take the time to compare rates occasionally since rates go up and down regularly. Just because you found the best deal for Metro coverage a couple years back you can probably find a lower rate today. Block out anything you think you know about insurance coverage because we’re going to demonstrate one of the best ways to buy cheaper insurance coverage.

The purpose of this article is to teach you how to effectively get price quotes and some money-saving tips. If you have car insurance now, you will most likely be able to reduce your rates substantially using these methods. Vehicle owners only need an understanding of the most effective way to compare rates on the web.

These factors can influence Chevy Metro insurance rates

Smart consumers have a good feel for the factors that go into determining auto insurance rates. Knowing what determines base rates helps enable you to make changes that will entitle you to better auto insurance rates.

Listed below are some of the items that factor into prices.

  • Safer cars cost less to insure – Safer cars get lower rates. Safe vehicles result in less severe injuries and lower injury rates means lower claim amounts and thus lower rates. If the Chevy Metro scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Do you need those extra coverages? – There are a lot of extra coverages that can waste your money if you aren’t careful. Things like vanishing deductibles, accident forgiveness and additional equipment coverage may be costing you every month. They may seem like a good idea when you first buy your policy, but now you might not need them so remove them from your policy.
  • More miles equals more premium – The more you drive every year the higher your rate. Most insurance companies price each vehicle’s coverage based on how the vehicle is used. Vehicles left parked in the garage receive lower rates than those used for commuting. Make sure your auto insurance policy is rated on the correct driver usage, because improper ratings can cost you money. If your policy improperly rates your Metro can result in significantly higher rates.
  • Save money with special equipment – Choosing a vehicle with a theft deterrent system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can thwart your vehicle from being stolen.
  • Men fork out a little more – Statistics have proven that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Both sexes have accidents at about the same rate, but men cause more damage. Men also get cited for more serious violations such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and therefore are the most expensive to insure.
  • Tickets mean higher rates – Drivers with clean records get better rates than bad drivers. Even one ticket may increase your cost by as much as thirty percent. If you have serious violations such as hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state motor vehicle department in order to continue driving.

Discounts are basically free money

Insuring your fleet can be pricey, but there could be available discounts to cut the cost considerably. A few discounts will automatically apply at the time of purchase, but some may not be applied and must be specifically requested before you will receive the discount. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Fewer Miles Equal More Savings – Driving fewer miles can qualify you for discounted rates on garaged vehicles.
  • Life Insurance Discount – Select insurance companies reward you with better rates if you take out life insurance.
  • Safety Course Discount – Successfully completing a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Multiple Policy Discount – When you have multiple policies with one insurance company you will save at least 10% off all policies.
  • Senior Discount – If you’re over the age of 55, you may qualify for a small decrease in premiums for Metro coverage.
  • Seat Belts Save – Drivers who require all occupants to use a seat belt can save 10% or more off your medical payments premium.
  • Distant Student – Children who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Sign Online – A few companies will give a small break just for signing your application over the internet.
  • New Vehicle Savings – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.

It’s important to understand that most discount credits are not given to the entire policy premium. A few only apply to the cost of specific coverages such as comprehensive or collision. Just because it seems like you can get free auto insurance, you’re out of luck. Any amount of discount will help reduce your premiums.

Car insurance companies that may offer some of the above discounts may include but are not limited to:

Check with every prospective company which discounts they offer. Savings may not be available in every state.

Which insurance is the “right” coverage?

When it comes to buying proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.

For example, these questions may help highlight whether your personal situation may require specific advice.

  • Is business property covered if stolen from my car?
  • If my pet gets injured in an accident are they covered?
  • How can I get high-risk coverage after a DUI?
  • Is my nanny covered when driving my vehicle?
  • Why do I need rental car insurance?
  • Am I covered when driving in Canada or Mexico?
  • Can I get a multi-policy discount?
  • Should I drop comprehensive coverage on older vehicles?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form. It is quick, free and may give you better protection.

Auto insurance 101

Learning about specific coverages of insurance helps when choosing the best coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for chiropractic care, EMT expenses, pain medications, dental work and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision) – This coverage pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from getting keyed, theft, a tree branch falling on your vehicle and damage from flooding. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Chevy Metro.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages are similar to your liability insurance amounts.

Liability auto insurance – Liability insurance provides protection from damage or injury you incur to people or other property. This coverage protects you against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like funeral expenses, attorney fees and loss of income. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Collision coverages – This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, crashing into a ditch, hitting a mailbox, scraping a guard rail and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

A fool and his money are soon parted

Drivers leave their current company for a variety of reasons including delays in paying claims, unfair underwriting practices, high rates after DUI convictions or even delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new insurance company is not as hard as you think.

Lower-priced 1998 Chevy Metro insurance can be bought on the web and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some car insurance companies do not offer online quoting and most of the time these regional insurance providers sell through independent agents.

When you buy insurance online, you should never buy poor coverage just to save money. There are a lot of situations where an insured dropped full coverage to discover 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 an affordable rate, not the least amount of coverage.

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