Overpriced Chevrolet Prizm insurance can drain your bank account and force you to make sacrifices. Comparing price quotes is free, only takes a few minutes, and is a good way to tighten up your finances. Because you have many online and local companies to choose from, it is hard for the average consumer to find the most cost effective company.
Finding the best rates is quite easy. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these techniques. Drivers just need to know the proper way to find the lowest price over the internet.
Compare the Market for Car Insurance
There are several ways to compare car insurance quotes, but some are easier and takes less work. You could spend your day talking to local insurance agents in your area, or you can stay home and use the internet to quickly compare rates.
All the larger companies participate in a marketplace where insurance shoppers enter their coverage request one time, and every company returns a rated price for coverage. This system prevents you from having to do quote requests to every company. To compare rates now click here to start a free quote.
One minor caviat to getting quotes like this is you are unable to specify the providers you want pricing from. So if you prefer to choose individual companies to compare prices, we have a listing of companies who write car insurance in your area. Click to view list.
However you get your quotes, make darn sure you compare apples-to-apples coverage information on every quote you get. If you enter different limits and deductibles on each one you can’t possibly find the best deal for your Chevy Prizm.
Be sure to get all your discounts
Companies offering auto insurance don’t always list every discount in an easy-to-find place, so here is a list some of the more common and the more hidden savings tricks you should be using. If they aren’t giving you every credit you deserve, you are paying more than you should be.
- Claim Free – Drivers with accident-free driving histories pay less when compared with bad drivers.
- Homeowners Pay Less – Owning a house may earn you a small savings because owning a home demonstrates responsibility.
- Drive Less and Save – Driving fewer miles could be rewarded with discounted rates on garaged vehicles.
- Seat Belts Save – Drivers who require all occupants to wear their seat belts can save up to 15% off your medical payments premium.
- Multiple Policy Discount – If you insure your home and vehicles with one company you may earn up to 20% off your total premium.
- Government Employees – Employees or retirees of the government may qualify you for a discount for Prizm insurance with a few car insurance companies.
- Passive Restraints – Cars that have air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.
- Save over 55 – Mature drivers may qualify for a small decrease in premiums for Prizm insurance.
It’s important to note that some of the credits will not apply to the overall cost of the policy. The majority will only reduce individual premiums such as comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky.
For a list of insurers who offer car insurance discounts, follow this link.
Car insurance is unique, just like you
When choosing adequate coverage for your vehicles, there isn’t really a best way to insure your cars. Each situation is unique so this has to be addressed. These are some specific questions could help you determine whether your personal situation would benefit from professional advice.
- When should I remove comp and collision on my Chevy Prizm?
- When do I need to add a new car to my policy?
- Does my insurance cover damage caused when ticketed for reckless driving?
- What can I do if my company denied a claim?
- How much liability coverage do I need in my state?
- Should I file a claim if it’s only slightly more than my deductible?
If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area. It only takes a few minutes and can provide invaluable advice.
