Find More Affordable Insurance for your Chevrolet Optra5
If shopping for auto insurance was more enjoyable, it would get done more often. But the reality is, you probably don't enjoy it and you think it costs too much. You might feel the same pain when having to pay the bill on your Chevrolet Optra5.
Step One: Compare Rates
Years ago, your local insurance agent was the only way to quote a buy a car insurance policy. But you can now comparison shop and buy direct online!
You can compare insurance rates for a Chevrolet Optra5 simply and quickly just by filling out one form. This allows you to quote the same coverages with multiple companies and pick the lowest rate.
To begin, click on the link below and complete the short form. It only takes a few minutes and it's helpful to have your current policy handy if you have one.
Quote Tip! When doing car insurance quotes for your Optra5, make sure you use the exact same values for coverages and deductibles. If you use different limits, you will not be able to fairly compare rates between different companies.
Step Two: Insider Tips for Finding Cheaper Optra5 Insurance
Now that you have several rates to compare (since you did compare rates above, right?), we will now show you some additional ways you can lower your Optra5 insurance rates.
- Car insurance disounts for senior citizens are often offered by companies as well as discounts for belonging to a professional organization.
- Before a comprehensive or collision claim is paid by your company, you have to pay a deductible first. The more you're willing to pay, the lower your rates will be. Consider raising your deductibles to $500 or even $1,000.
- If you have any teenage drivers in your household, expect to fork out quite a bit more for insurance. Rating them on a low profile vehicle with liability only coverage is the best way to save money.
- Most of us have received a ticket at one time or another. If you get a ticket for a minor violation, find out if there is a safe driving class you can take to keep the ticket off your driving record.
- Safety features such as antilock brakes, traction control and air bag systems all help reduce the cost of car insurance by keeping the passengers safer.
- To keep your rates low, don't file excessive claims on your policy. Insurance is meant to cover large losses, not small damage that you can pay for out-of-pocket.
- For some reason, car theives target particular makes and models more than others. If your Optra5 is on the list of the top stolen cars, you might want to install an extra theft deterrent system just to be safe.
- Do you keep your credit rating in good shape? If you do, you will get a better rate than if you let your credit score slide. Check your credit score regularly to make sure there are few blemishes on your record.
- Successfully completing a driver's training class can help lower your rates if your insurance company offers that discount.
- When buying a new policy, you do not want a gap in coverage. This lapse is viewed by insurance companies as a high risk, and you will pay more for your next policy.
- Bundling your auto and home insurance with the same company can often get you a discount, and just being a homeowner in itself will get you a lower rate.
Step Three: Choose the Right Company for You
Now that you hopefully have several rates to compare and have made any changes needed to your individual coverages, you can choose the best company to insure your Optra5 with.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
Before you drive your Chevrolet Optra5 home, make sure you have a current car insurance policy in force. Coverage will extend to the new purchase from your policy, but if you don't have a policy then you have no protection. Comprehensive (or Other than Collision) and collision coverage will extend to your new Optra5 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.
At the end of buying your policy, you will be able to print out a new proof-of-insurance card to place in your vehicle. This card is required by law and must be produced if requested by law enforcement. 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
To find out more information such as auto insurance myths, rental car insurance and how to file a claim, visit the Insurance Information Institute website.
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