1995 Chevrolet Corsica Car Insurance Quotes

Want lower insurance rates for your Chevrolet Corsica? Have you fallen victim to overpriced insurance? Trust us when we tell you there are many consumers feeling the pinch from expensive insurance.

Companies like GEICO, Progressive and Allstate persitently shower you with ads and it is difficult to sift through the bull and find the best price available.

It’s a good habit to shop coverage around every six months since insurance rates are rarely the same from one policy term to another. If you had the best price on Corsica insurance two years ago the chances are good that you can find a lower rate today. You can find a lot of wrong information about insurance online but I’m going to show you some solid techniques on how to find affordable insurance.

Car Insurance Comparisons

There are a variety of methods you can shop for 1995 Chevy Corsica car insurance but some are less time-consuming than others. You can spend countless hours discussing policy coverages with insurance companies in your area, or you could save time and use the internet to get rate comparisons in just a few minutes.

The majority of car insurance companies belong to a marketplace that allows shoppers to enter their coverage request one time, and at least one company can give them a price based on that data. This prevents consumers from doing form submissions for each company you want a rate for.

To compare 1995 Chevy Corsica rates now click to open in new window.

One minor caviat to comparing rates this way is you cannot specify the insurers you want to price. If you wish to select individual companies for rate comparison, we have a page of car insurance companies in your area. Click here to view list.

It’s your choice how you get your quotes, but make absolute certain that you use identical quote information for every quote you compare. If the quotes have unequal deductibles or liability limits you will not be able to truly determine the lowest rate. Slightly different coverages may result in large price differences. And when price shopping your coverage, having more price comparisons will enable you to find a better price.

Don’t miss these discounts

Companies that sell car insurance don’t necessarily list every available discount in an easy-to-find place, so we break down some of the best known and the harder-to-find ways to save on auto insurance.

  • Club Memberships – Belonging to a professional or civic organization could qualify you for a break on auto insurance on Corsica insurance.
  • Government Employees – Being employed by or retired from a federal job can save as much as 8% on Corsica insurance with a few auto insurance companies.
  • Multiple Vehicles – Having multiple vehicles on one policy could earn a price break for each car.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance from them.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles can reduce accidents and will save you 10% or more.

As a disclaimer on discounts, most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as comp or med pay. So when the math indicates you could get a free auto insurance policy, it doesn’t quite work that way.

A partial list of companies that may offer these money-saving discounts are:

It’s a good idea to ask each insurance company which discounts they offer. All car insurance discounts might not be offered in every state.

When might I need help?

When it comes to choosing the right insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs and your policy should reflect that. For example, these questions can help discover whether your personal situation will benefit from professional help.

  • Does my car insurance cover rental cars?
  • Is my teen driver covered when they drive my company car?
  • Why am I required to buy liability insurance?
  • Do I pay less for low miles?
  • Is my dog or cat covered if injured in an accident?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Who is covered when they drive my 1995 Chevy Corsica?
  • Are there companies who specialize in insuring high-risk drivers?

If you don’t know the answers to these questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Elements that influence Chevy Corsica insurance rates

An important part of buying insurance is that you know some of the elements that go into determining your auto insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that will entitle you to big savings.

Listed below are some of the items companies use to determine prices.

  • Lower rates come with age – Older drivers are viewed as being more responsible, file fewer claims and are safer drivers. Young drivers tend to be less responsible behind the wheel and because of this, their auto insurance rates are much higher.
  • Claim-free discounts can add up – If you are a frequent claim filer, you can look forward to higher rates. Car insurance companies award cheaper rates to drivers who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of larger claims.
  • Extra coverages can waste money – There are a ton of extra bells and whistles that you can buy when buying auto insurance. Things like vanishing deductibles, towing coverage and additional equipment coverage are some examples. These coverages may sound good at first, but now you might not need them so remove them from your policy.
  • Do you have a high stress job? – Occupations such as judges, architects and accountants are shown to have higher rates than average attributed to high stress levels and long work days. On the flip side, jobs such as farmers, athletes and the unemployed pay the least on Corsica insurance.

Do insurance companies bend the truth?

State Farm, Allstate and GEICO consistently run ads on TV and radio. All the companies make the same claim about savings if you change to them. How does each company make almost identical claims?

Different companies have a preferred profile for the type of driver they prefer to insure. For example, a desirable insured might be between 30 and 50, has no driving citations, and has excellent credit. A propective insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to save a lot of money.

Consumers who fall outside the requirements will be quoted higher rates which usually ends up with business going elsewhere. The ads say “customers who switch” not “people who quote” save money. That is how insurance companies can claim big savings. This emphasizes why you need to get as many quotes as possible. It’s not possible to predict which company will have the lowest Chevy Corsica insurance rates.

Insurance coverages explained

Having a good grasp of your policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. Listed below are typical coverage types found on most insurance policies.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance pay for bills for things like chiropractic care, dental work, EMT expenses and pain medications. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a building, hitting a mailbox, sideswiping another vehicle, damaging your car on a curb and driving through your garage door. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – This covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like damage from flooding, damage from getting keyed, hail damage and rock chips in glass. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability coverages – Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage protects against things such as medical services, emergency aid and court costs. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy Corsica.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

The bottom line

Lower-priced 1995 Chevy Corsica insurance is definitely available on the web and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies do not offer online quoting and these small, regional companies work with independent agents.

We just showed you many ideas to reduce insurance prices online. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. You may even find the most savings is with a company that doesn’t do a lot of advertising. Some small companies often have lower prices on specific markets than the large multi-state companies such as Progressive or GEICO.

When shopping online for auto insurance, do not buy less coverage just to save a little money. In many instances, consumers will sacrifice full coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at a price you can afford.

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