Lower Your 1999 Chevrolet Metro Car Insurance Cost

Trying to find the cheapest car insurance rates for your Chevrolet Metro? Are you sick and tired of paying out the nose to buy car insurance? You’re in the same situation as most other car owners. Companies like State Farm, Farmers Insurance, Geico and Allstate all promote huge savings with TV and radio ads and it can be hard to sift through the bull and take the time to shop coverage around.

You need to check car insurance prices every six months because insurance rates trend upward over time. Even if you got the best rates on Metro coverage a couple years back other companies may now be cheaper. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to the right way to properly buy coverages while reducing your premium.

These discounts can lower your rates

Companies that sell car insurance don’t necessarily list every discount very well, so the following is a list of both well-publicized and also the lesser-known ways to save on insurance coverage. If you don’t get every credit you qualify for, you’re paying more than you need to.

  • Discount for Life Insurance – Select insurance companies reward you with a break if you buy life insurance from them.
  • Save over 55 – If you’re over the age of 55, you may receive a small decrease in premiums on Metro coverage.
  • Distant Student – Kids in college living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Seat Belts Save – Requiring all passengers to wear their seat belts could save 15% off the personal injury premium cost.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Club Memberships – Belonging to a professional or civic organization could trigger savings when shopping for insurance coverage on Metro coverage.
  • Drive Less and Save – Driving fewer miles can earn a substantially lower rate.
  • Payment Discounts – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So when it seems like you can get free auto insurance, insurance coverage companies aren’t that generous.

To see a list of insurance companies offering insurance coverage discounts, click here.

Different people need different coverages

When buying the right insurance coverage, there really is not a perfect coverage plan. Each situation is unique so this has to be addressed. For instance, these questions could help you determine whether you would benefit from an agent’s advice.

  • When can my company non-renew my policy?
  • Is business property covered if stolen from my car?
  • Am I covered if I hit my neighbor’s mailbox?
  • Will filing a claim cost me more?
  • Will my insurance pay for OEM parts?
  • Do I need added coverage for expensive stereo equipment?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form or click here for a list of insurance coverage companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Insurance coverages and their meanings

Learning about specific coverages of your policy can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find the usual coverages available from insurance companies.

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, hitting a mailbox, crashing into a ditch and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for expenses like EMT expenses, X-ray expenses and pain medications. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a broken windshield, damage from flooding and hail damage. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability

Liability coverage can cover damage or injury you incur to other’s property or people in an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like court costs, pain and suffering and structural damage. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Money doesn’t grow on trees

Cost effective 1999 Chevy Metro insurance can be found from both online companies as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. Some companies don’t offer you the ability to get quotes online and usually these small, regional companies provide coverage only through local independent agents.

Throughout this article, we presented many ways to lower your insurance rates. It’s most important to understand that the more times you quote, the higher your chance of finding lower rates. Drivers may discover the best prices are with the smaller companies. These smaller insurers can often provide lower rates in certain areas than the large multi-state companies such as State Farm and Allstate.

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