Cheap 1998 Chevrolet Metro Insurance Cost

Are you tired of not being able to afford to insure your Chevy every month? You are in the same boat as many other drivers.

You have multiple insurance companies to insure vehicles with, and although it’s nice to have a choice, so many choices can make it hard to compare rates and find the lowest cost insurance.

Choosing the best insurance company for you is quite easy. If you currently have a car insurance policy, you stand a good chance to be able to cut costs considerably using these tips. Although vehicle owners need to have an understanding of how insurance companies sell online.

The quickest method we recommend to compare car insurance company rates is to know almost all companies pay for the opportunity to compare their rates. The only thing you need to do is provide the companies a bit of rating information like if you’re married, whether you drive to work or school, coverage limits, and types of safety features. The rating information is sent automatically to multiple top-rated companies and you get price estimates instantly.

To compare rates for a Chevy Metro now, click here and complete the form.

Get lower rates on Chevy Metro insurance

Companies offering auto insurance don’t always publicize every discount very well, so we researched some of the more common and the harder-to-find savings tricks you should be using.

  • Paperless Signup – Some insurance companies may give you up to $50 just for signing your application digitally online.
  • Senior Citizens – If you qualify as a senior citizen, you can possibly qualify for better car insurance rates for Metro coverage.
  • Theft Prevention System – Cars that have factory anti-theft systems can help prevent theft and will save you 10% or more.
  • Low Mileage Discounts – Low mileage vehicles could qualify for a substantially lower rate.
  • Use Seat Belts – Requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of paying each month you can actually save on your bill.
  • Good Students Pay Less – This discount can get you a discount of up to 25%. This discount can apply up to age 25.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems can get savings of more than 20%.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Most only reduce specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, companies don’t profit that way.

To see a list of insurance companies with the best car insurance discounts, click this link.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s situation is unique so this has to be addressed. Here are some questions about coverages that may help you determine whether your personal situation could use an agent’s help.

  • Does my policy cover my teen driver if they drive my company car?
  • How can I find cheaper teen driver insurance?
  • What is the rate difference between pleasure use and commuting?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • How high should my uninsured/underinsured coverage be in my state?
  • When does my teenage driver need to be added to my policy?
  • Is motorclub coverage worth it?
  • Can I drive in Mexico and have coverage?
  • Do I need rental car coverage?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Impacting insurance rates for a Chevy Metro

Consumers need to have an understanding of the different types of things that come into play when calculating the rates you pay for auto insurance. Understanding what influences your rates empowers consumers to make smart changes that will entitle you to big savings.

The list below includes a partial list of the pieces used by your company to calculate prices.

  • Poor credit can mean higher rates – A driver’s credit history is a large factor in determining what you pay for auto insurance. If your credit is not that good, you could be paying less to insure your 1998 Chevrolet Metro by repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers with lower credit scores.
  • Safe vehicles cost less to insure – Vehicles with good safety scores can get you lower premiums. Safe vehicles have better occupant injury protection and any reduction in injury severity means lower claim amounts and lower rates for you. If your Chevy Metro scored better than four stars on you are probably receiving a discount.
  • Where you reside plays a part – Living in a small town has it’s advantages when buying auto insurance. City drivers tend to have congested traffic and longer commutes to work. Fewer drivers means fewer accidents and a lower car theft rate.
  • Always keep insurance in force – Letting your insurance expire will be a sure-fire way to trigger a rate increase. Not only will you pay more, but not being able to provide proof of insurance can result in a license revocation or jail time.You may then be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department.

Misconceptions in insurance advertisements

Insurance companies such as Allstate and Progressive consistently run ads on television and other media. They all seem to say the same thing of big savings if you change your coverage to them. How does each company claim to save you money? This is how they do it.

Different companies are able to cherry pick for the type of driver that makes them money. An example of a desirable insured might be between the ages of 40 and 55, insures multiple vehicles, and has excellent credit. A customer getting a price quote who matches those parameters will get the preferred rates and most likely will save a lot of money.

Potential insureds who don’t qualify for the “perfect” profile will be quoted a more expensive rate and ends up with the customer not buying. The ad wording is “drivers who switch” not “people who quote” save that much money. That’s why insurance companies can advertise the savings. This emphasizes why it is so important to get as many quotes as possible. Because you never know which insurance company will provide you with the cheapest Chevy Metro insurance rates.

Information about specific coverages

Understanding the coverages of your policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages offered by insurance companies.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like hospital visits, prosthetic devices and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision coverage – This 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 insurance covers claims like hitting a mailbox, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive protection – Comprehensive insurance coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like hitting a bird, hail damage, theft, damage from flooding and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Auto liability insurance – Liability insurance can cover damages or injuries you inflict on other people or property in an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for things such as repair bills for other people’s vehicles, loss of income, structural damage and attorney fees. How much coverage you buy is up to you, but buy higher limits if possible.

Uninsured or underinsured coverage – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered claims include injuries to you and your family and also any damage incurred to your Chevy Metro.

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 should not be overlooked.

Take this to the bank

Cheap 1998 Chevy Metro insurance is available on the web and also from your neighborhood agents, so compare prices from both so you have a total pricing picture. There are still a few companies who may not provide online quoting and most of the time these smaller companies sell through independent agents.

You just read many ways to compare insurance prices online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may be surprised to find that the lowest rates come from a company that doesn’t do a lot of advertising. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm, GEICO and Nationwide.

For more information, feel free to browse these articles: