How to Save Money on Insurance for your Chevrolet Beretta
If finding affordable car insurance was easy, most of us would take the time to do it. But the premiums we pay always seem to be too high and most of use would rather get a tooth pulled. Finding insurance for your Chevrolet Beretta that you can actually afford is probably no different.
Step One: Shop Around
Years ago, your local insurance agent was the only way to quote a buy a car insurance policy. Welcome to the 21st century!
Almost every car insurance company now offers online quotes, and you can actually get insurance quotes for a Chevrolet Beretta without even visiting their websites!
Take the first step by clicking the link below. By answering a few questions you'll be able to compare rates quickly and easily.
Important! If you already have liability and physical damage coverage on your Beretta, it's important to keep the same limits and deductibles throughout the quote process. This allows you to fairly compare rates for many companies. If you use different limits and coverages for each quote, you won't be able to judge if the final rate is better or worse than other quotes.
Step Two: Tried and True Ways to Save on Beretta Insurance
After step one is complete, it's now time to analyze some of the other factors that can negatively impact car insurance rates for a Beretta.
- If you've recently completed a driver's training or safety course, tell your insurance company. You may qualify for a 5-10% discount.
- If you are a senior citizen or belong to a particular professional organization, you may qualify for a break on insurance.
- Teenage drivers can be very expensive to insure on newer vehicles will full coverage. You may be better off purchasing an older vehicle for your teenager and only insure it for liability.
- A claim-free discount can help keep your rates down, so don't file claims that are only marginally more than your deductible. You're better off keeping the discount.
- One of the best ways to lower your insurance rates is to raise your credit score. Check your rating once a year and make sure to address any problem areas immediately.
- Being a homeowner can often get you a little discount on your auto insurance. Insuring you home with the same company as your autos can often get you even deeper discounts.
- Higher deductibles save money. If you can afford to pay a larger portion of a comprehensive or collision claim, you will pay substantially less for those coverages if you increase your deductibles to $500 or even $1,000.
- Newer car models are coming standard with advanced passenger safety systems, and these help reduce the risk of injury in an accident. Less injuries mean lower insurance rates.
- If you have a speeding ticket or other moving violation, you could be charged more for insurance. If you get a ticket, find out if your county or state offers a defensive driving course that will void the ticket upon completion.
- Having any gaps in coverage (known as a lapse) is bad in the eyes of any insurance company. Make sure you keep coverage in force at all times by synchronizing the expiration and effective dates of your policies.
- Vehicles that tend to get stolen or have high repair costs will cost you more to insure. If your Beretta falls into either category, it could cost you.
Step Three: Bind Coverage and Cancel your Old Policy
Knowing which company to insure your Beretta with is more than just choosing the lowest rate. You also need to be ready to put a down payment on your policy and make sure you have all the proper coverages in place.
If you didn't have a prior policy, then you can make the new policy effective any time. But if you're moving bewteen companies and don't want a lapse in coverage, make sure the effective date of the new policy is exactly the same as the cancellation date of the old policy.
If you don't currently have a car insurance policy, make sure you have coverage in force before driving your Chevrolet off the lot. But if you already have a policy, you will have coverage extended to your new car from your existing policy. Comprehensive (or Other than Collision) and collision coverage will extend to your new Beretta if you current have a vehicle insured with those coverages. If you aren't insured or only carry basic liability coverage, then you will be inadequately insured until you add the vehicle to your policy with full coverage.
Your insurance company will provide you with proof-of-insurance forms to keep in your vehicle. It's required by state law to carry at least the state minimum liability limits. If you're considered a high-risk driver, having been convicted of a DUI, DWI, reckless driving or had your license suspended, you may need to file a SR-22. Be sure your new company files this form with your state DMV. Failure to do so can result in losing your right to drive.
Consumer Insurance Information
For more information on car insurance, please visit the Insurance Information Institute's auto insurance informational page.
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