1996 Chevrolet Corsica Car Insurance Rates – 5 Policy Discounts

Looking for better auto insurance rates for your Chevrolet Corsica? Having to pay for overpriced Chevrolet Corsica insurance can take a big chunk out of your personal savings and force you to make sacrifices. Doing a price comparison is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Companies like GEICO, 21st Century and Progressive constantly bombard you with ad campaigns and consumers find it hard to ignore the flying pigs and cute green geckos and do the work needed to find the best deal.

If you currently have a car insurance policy, you will be able to reduce your rates substantially using this strategy. Finding the best rates is not rocket science. Although consumers must learn how insurance companies sell online and use this information to your advantage.

How to save on 1996 Chevy Corsica insurance

Insuring your vehicles can cost a lot, buy you may qualify for discounts to help offset the cost. A few discounts will automatically apply when you complete an application, but less common discounts must be manually applied before being credited.

  • Discount for Swiching Early – Some insurance companies reward drivers for buying a policy prior to your current policy expiration. The savings is around 10%.
  • One Accident Forgiven – A handful of insurance companies allow you one accident before your rates go up if your claims history is clear for a set time period.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Memberships – Participating in certain professional organizations could trigger savings on car insurance on Corsica insurance.
  • E-sign – A few companies will give a small break for buying your policy over the internet.

Keep in mind that most credits do not apply to the entire policy premium. Most only reduce specific coverage prices like medical payments or collision. Just because it seems like it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will reduce the amount you have to pay.

A partial list of companies who might offer these money-saving discounts include:

Check with all companies you are considering which discounts you may be entitled to. Discounts may not apply in your state.

The quickest method to get policy rate comparisons is to know the trick almost all companies actually pay money for the chance to give rate comparisons. The only thing you need to do is provide details such as if you’re married, what you do for a living, the ages of drivers, and how much school you completed. Your insurance information is sent automatically to multiple companies and you receive quotes with very little delay.

Tailor your coverage to you

When choosing adequate coverage for your vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions might help in determining if your insurance needs might need professional guidance.

  • Am I covered when delivering products for my home-based business?
  • What is the rate difference between pleasure use and commuting?
  • Is my teenager covered with friends in the car?
  • What is UM/UIM insurance?
  • Is rental equipment covered for theft or damage?
  • What if I don’t agree with a claim settlement offer?
  • Can I rent a car in Mexico?
  • What vehicles should carry emergency assistance coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form or you can go here for a list of companies in your area.

Don’t listen to company ads

State Farm and Allstate consistently run ads on TV and radio. All the companies make the same claim that you’ll save big if you change your coverage to them. How do they all make the same claim?

All companies have a certain “appetite” for the driver that is profitable for them. A good example of a desirable insured might be between 25 and 40, is a homeowner, and has a short commute. Any new insured that hits that “sweet spot” will qualify for the lowest rates and most likely will save when they switch companies.

Drivers who are not a match for this ideal profile will have to pay a higher premium and this can result in the driver buying from a lower-cost company. The ads state “people who switch” not “everybody who quotes” save that much money. That’s the way companies can truthfully make the claims of big savings.

Because of the profiling, you should compare as many rates as you can. You cannot predict which insurance coverage company will fit your personal profile best.

The coverage is in the details

Understanding the coverages of car insurance helps when choosing which coverages you need and the correct deductibles and limits. Car insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are the normal coverages found on the average car insurance policy.

UM/UIM Coverage – Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and damage to your Chevy Corsica.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as fire damage, falling objects and a broken windshield. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for bills like chiropractic care, rehabilitation expenses, dental work, surgery and doctor visits. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance pays for damage to your Corsica resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as scraping a guard rail, colliding with another moving vehicle and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Liability coverages – This protects you from injuries or damage you cause to people or other property in an accident. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims such as emergency aid, loss of income, bail bonds, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Better coverage you can count on

The cheapest 1996 Chevy Corsica insurance is definitely available on the web and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. A few companies may not provide online quoting and many times these small, regional companies only sell through independent insurance agents.

As you prepare to switch companies, do not reduce coverage to reduce premium. There are too many instances where someone sacrificed uninsured motorist or liability limits to discover at claim time they didn’t purchase enough coverage. Your focus should be to buy enough coverage for the lowest price while not skimping on critical coverages.

Additional information