Get Cheaper Chevrolet Metro Insurance in Three Steps
If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. But unfortunately, it's difficult for a lot of people and we always seem to pay more than we should. Finding insurance for your Chevrolet Metro that you can actually afford is probably no different.
Step One: Compare Multiple Rate Quotes
Up until just recently, the only option you had for shopping for insurance was getting a high pressure sales pitch in the office of your local insurance agent. Welcome to the NEW way to buy car insurance!
Getting online rate quotes for a Chevrolet Metro from all the major insurance companies is very easy and only requires you to enter your information once.
To compare rates now, have your current policy handy (if you have one) and click the link below. Complete the short form and move on to step two.
Apples-to-Apples! When doing comparison quotes for your Metro, it's very important that you use the same liability limits and physical damage deductibles on each quote. Otherwise you will not be able to accurately determine which company has the lowest rates.
Step Two: How to Save on Metro Insurance
If you have completed step one above (if not, please complete that step first), then you are now ready to learn some ways to insure your Metro that will also lower the rate you pay irregardless of which company you choose.
- Members of many professional organizations can receive discounts on car insurance, and if you're a senior citizen, that could earn you an additional discount.
- If you carry full coverage on your vehicle, you can slash your rates by increasing your comprehensive and collision deductibles. You'll pay more out-of-pocket but you will save with every renewal.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- A lead foot will result in higher insurance rates. Slow down, don't get tickets and you'll pay less.
- Air bags, antilock brakes, traction control, and stability control all help lower the cost of insurance due to reducing the risk of injury in an accident.
- Try to maintain a claim-free discount on your car insurance policy. Obviously you can't prevent large claims, but if they are smaller and you can afford to pay them out-of-pocket, do so.
- Thieves tend to steal certain makes and models of vehicles more than others, and if your car is on that list, expect to pay higher insurance rates because of it.
- Each year make a habit of checking your credit score. If you find problems that may be dragging down your credit rating, address them immediately. This will result in significant savings on car insurance.
- If your teen driver has completed a driver's education class in school, check to see if your insurance company offers any discounts for this.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
- If you rent rather than own a home, you may be paying more for car insurance. Homeowners often get lower rates.
Step Three: Bind Coverage and Cancel your Old Policy
If you have found a good price by comparing quotes and also made informed decisions regarding policy limits, deductibles and other policy options that are available, you can now purchase the policy and bind coverage.
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 the Chevrolet Metro is a new purchase and you haven't had car insurance before, make sure you have coverage in place before driving off the lot. If you have other vehicles already covered, then you will have coverage for the new vehicle. Anytime you buy a vehicle, you want to make sure coverage is in place before driving off the lot. If you have a policy now, you will have at least liability coverage. But if you don't insure any vehicles with full coverage, then you will put your new Metro at risk as soon as you drive away.
The proof-of-insurance card that is required by state law to be carried in your vehicle can be printed out upon completion of your car insurance policy. SR-22 filings are for high risk drivers and ensure that you have met your state's financial responsibility requirements. If you have DUI, DWI or uninsured accident convictions, you may have to file an SR-22 with your state DMV.
For More Information
For more information on car insurance topics like the claims process, rental car insurance and how much coverage you need, visit the Insurance Information Institute website.
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