Searching for the cheapest insurance for a Chevy Classic could be an all-consuming task, but you can use our auto insurance buying tips to save time. There is a better way to find auto insurance online so we’re going to tell you the absolute fastest way to price shop coverage for your Chevy and get the best price possible from local insurance agents and online providers.
Smart consumers take time to do rate comparisons at least once a year since rates are variable and change quite frequently. Even if you got the best deal for Classic insurance a few years ago you may be paying too much now. Forget anything you know (or think you know) about auto insurance because you’re about to learn the quickest way to find better coverage at a better price.
Finding the best rates is quite easy. In a nutshell, every driver who shops for auto insurance most likely will be able to find lower rates. Nevertheless, vehicle owners must learn how companies sell insurance online because it can help you find the best coverage.
Cheap Auto Insurance Comparisons
When shopping for auto insurance there are multiple ways to compare rate quotes from auto insurance companies in your area. The quickest method to find the lowest Chevy Classic rates is to get quotes online. This can be accomplished in just a few minutes using one of these methods.
- The easiest and least time consuming way to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This form eliminates the need for separate quote forms for each company. One quote request compares rates direct from many companies.It’s the quickest way to get rates.
- Another way to analyze rates requires a trip to the website for each individual company and complete a new quote form. For instance, we’ll pretend you want rates from GEICO, Progressive and State Farm. To get each rate you have to visit each site and enter your policy data, which is why the first method is more popular.
To view a list of companies in your area, click here.
- The least recommended method of comparing rate quotes is to waste gas driving to local insurance agencies. The internet eliminates the need for an insurance agent unless you prefer the professional advice only provided by licensed agents. You can, however, compare online quotes but still have the advice of a local agent and we’ll cover that in a bit.
It’s up to you how you get prices quotes, just make absolute certain that you use identical coverages and limits with every price quote. If you compare different deductibles it’s not possible to truly determine the lowest rate. Having just a slight variation in coverages can result in a big premium difference. It’s important to know that having more price comparisons provides better odds of finding the best offered rates.
Are you falling for claims of savings?
Companies like State Farm and Allstate constantly bombard you with television and radio advertisements. All the ads say the same thing about savings if you switch to them. How does each company make almost identical claims?
All the different companies have a preferred profile for the type of driver they prefer to insure. For instance, a preferred risk could be over the age of 40, is a homeowner, and has a short commute. Any new insured that hits that “sweet spot” gets the lowest rates and therefore will save a lot of money.
Consumers who do not match the “perfect” profile will be quoted a higher premium which usually ends up with business not being written. The ads state “people who switch” but not “drivers who get quotes” save that much. That is how companies can make the claims of big savings. This emphasizes why you should get as many quotes as possible. Because you never know which insurance companies will fit your personal profile best.
Don’t pay full price with these 5 discounts
Auto insurance companies do not list all their discounts in an easy-to-find place, so we took the time to find both the well known and the harder-to-find auto insurance savings.
- Accident Waiver – A few companies will allow you to have one accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
- Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for Classic insurance than drivers with accident claims.
- Student Driver Training – Require your teen driver to enroll in driver’s education if offered at their school.
- Theft Prevention Discount – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
- Federal Employees – Simply working for the federal government could cut as much as 10% off for Classic insurance depending on your company.
It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Some only apply to individual premiums such as medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, you’re out of luck.
For a list of insurers with the best auto insurance discounts, click here.
You may need specialized coverage
When it comes to buying adequate coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s.
Here are some questions about coverages that might point out whether you will benefit from professional help.
- Does my insurance cover damage caused when ticketed for reckless driving?
- Are rental cars covered under my policy?
- I don’t drive much so do I pay less?
- Do I benefit by insuring my home with the same company?
- Can I afford to pay high deductible claims out of pocket?
- Am I covered by my spouse’s policy after a separation?
If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form.
Quote online but still have a local agent
Certain consumers would prefer to get advice from a local agent and there is nothing wrong with that. The best thing about price shopping on the web is the fact that you can find the lowest rates but still work with a licensed agent.
By using this form (opens in new window), your insurance data is instantly submitted to local insurance agents who will battle for your business. You don’t have to leave your house due to the fact that quote results will go immediately to your email address. You can find the lowest rates and work with a local agent.
Deciding on an provider requires more thought than just the bottom line cost. These are valid questions to ask:
- Do they receive special compensation for putting your coverage with one company over another?
- Does the agency have a good rating with the Better Business Bureau?
- Are there any discounts that you might be missing?
- Is vehicle mileage a factor when determining depreciation for repairs?
- Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
- What will you get paid if your car is a total loss? How is that amount determined?
To view licensed agents in your state, visit this site.
Once you have positive feedback to any questions you have and an acceptable price quote, you’ve probably found an provider that meets your needs to properly service your auto insurance policy. Just keep in mind you can always terminate your policy for any reason so don’t think that you’re stuck with any specific agency for any length of time.
Parts of your auto insurance policy
Having a good grasp of your auto insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.
Coverage for medical expenses
Coverage for medical payments and/or PIP pay for immediate expenses for ambulance fees, EMT expenses, doctor visits, funeral costs and pain medications. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available but can be used in place of medical payments coverage
Coverage for uninsured or underinsured drivers
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.
Liability
Liability insurance provides protection from injuries or damage you cause to other’s property or people by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.
Liability insurance covers claims such as bail bonds, funeral expenses, medical expenses, court costs and pain and suffering. How much coverage you buy is your choice, but you should buy higher limits if possible.
Coverage for collisions
Collision insurance covers damage to your Classic resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision insurance covers claims such as colliding with a tree, hitting a mailbox, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. You can also choose a higher deductible to save money on collision insurance.
Comprehensive auto insurance
Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things such as a broken windshield, hitting a deer, falling objects, fire damage and hail damage. The most a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
The best insurance company isn’t always the cheapest
Insureds leave their current company for a variety of reasons including delays in responding to claim requests, unfair underwriting practices, an unsatisfactory settlement offer or even delays in paying claims. It doesn’t matter why you want to switch finding a new auto insurance company is actually quite simple.
Lower-priced Chevy Classic insurance can be sourced on the web and with local insurance agents, and you need to comparison shop both to get a complete price analysis. Some insurance providers do not offer online price quotes and these regional insurance providers work with independent agents.
We just showed you many ways to reduce Chevy Classic insurance prices online. The key thing to remember is the more providers you compare, the better your comparison will be. You may even discover the best price on auto insurance is with an unexpected company.
