Trying to find lower insurance coverage rates for your Chevrolet Corvette? Perplexed by the sheer number of insurance coverage options? You have a lot of company. People have so many companies to choose from that it can be a real hassle to find the perfect company for you.
There are several ways of comparing rate quotes and find the best price. The recommended way to find the cheapest 1997 Chevy Corvette insurance rates is simply to get online rate quotes. This is very easy and can be done in a couple of different ways.
It’s up to you how you get prices quotes, just make sure you use apples-to-apples coverages for every company. If you compare mixed coverages then you won’t be able to determine which rate is truly the best. Quoting even small variations in limits may result in a large different in cost. And when comparison shopping, having more price comparisons will increase your chances of finding the best offered rates.
When it comes to choosing adequate coverage for your personal vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different.
For example, these questions might help in determining whether or not you may require specific advice.
If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, complete this form.
Having a good grasp of auto insurance can help you determine the best coverages for your vehicles. The terms used in a policy can be confusing and coverage can change by endorsement.
Collision coverages – This coverage will pay to fix damage to your Corvette caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision coverage pays for things such as hitting a mailbox, hitting a parking meter, crashing into a building, sideswiping another vehicle and colliding with a tree. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.
Coverage for uninsured or underinsured drivers – This gives you protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Chevy Corvette.
Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently these coverages are set the same as your liablity limits.
Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage kick in for bills like chiropractic care, dental work, rehabilitation expenses and nursing services. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible
Liability – This protects you from damages or injuries you inflict on other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 which means a limit of $50,000 per injured person, $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 limits claims to one amount and claims can be made without the split limit restrictions.
Liability can pay for things such as court costs, emergency aid and bail bonds. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.
Comprehensive auto insurance – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like hail damage, hitting a deer, falling objects, damage from getting keyed and rock chips in glass. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.