Compare 2000 Chevrolet Prizm Car Insurance Quotes

Searching for better insurance coverage rates for your Chevrolet Prizm? Overpriced Chevrolet Prizm insurance can take a big chunk out of your savings account and put the squeeze on your family’s finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to tighten up your finances.

There are many insurers to insure vehicles with, and although it’s a good thing to be able to choose, it can be more challenging to locate the cheapest rates.

You should make it a habit to compare rates quite often since insurance rates are constantly changing. Despite the fact that you may have had the best deal on Prizm coverage six months ago you can probably find a better price now. You can find a lot of wrong information about insurance coverage on the internet, so we’re going to give you some tested techniques to find cheap insurance coverage.

Take advantage of discounts

Car insurance is not cheap, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied when you complete an application, but lesser-known reductions have to be specially asked for before they will apply.

Own a Home – Owning a home can save you money because of the fact that having a home demonstrates responsibility.
Discount for Life Insurance – Larger companies have lower rates if you buy life insurance from them.
Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can receive discounts up to 30%.
Early Switch Discount – Select companies give a discount for buying a policy before your current policy expires. It’s a savings of about 10%.
Discounts for Safe Drivers – Insureds without accidents can pay as much as 50% less on Prizm coverage than drivers with accidents.
Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts could cut 10% or more off your medical payments premium.
Multi-policy Discount – When you have multiple policies with one insurance company you will save at least 10% off all policies.
Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. Earning this discount can benefit you up to age 25.
Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.
Distant Student – Children who attend school more than 100 miles from home and do not have a car may be able to be covered for less.

It’s important to note that most discounts do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, you’re out of luck. But any discount will bring down your overall premium however.

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

Free Quotes for Insurance

Comparing insurance rates can be a lot of work if you aren’t aware of the fastest way to get free quotes. You could waste time discussing policy coverages with local insurance agents in your area, or you can utilize online quoting to maximize your effort.

The majority of car insurance companies participate in an industry program that allows shoppers to only type in their quote data once, and each participating company then gives them pricing determined by their information. This prevents consumers from doing form submissions for every insurance company.

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The single downside to doing it this way is that consumers can’t choose which companies you want to price. So if you prefer to choose specific insurance companies to receive pricing from, we have a page of low cost insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just be sure to compare identical information for every quote you compare. If each company quotes different limits and deductibles on each one you will not be able to decipher which rate is best. Just a small difference in coverages may cause a big price difference. And when price shopping your coverage, quoting more will enable you to find a lower rate.

Some factors that can determine what Chevy Prizm insurance costs

It’s important that you understand some of the elements that help determine the rates you pay for insurance coverage. Knowing what impacts premium levels empowers consumers to make smart changes that could result in better insurance coverage rates.

Do you need the policy add-ons? – There are a lot of additional coverages that can waste your money if you aren’t careful. Insurance for vanishing deductibles, accident forgiveness and term life insurance may be wasting your money. They may seem good when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
Adjust deductibles and save – Physical damage deductibles represent how much money you are willing to pay out-of-pocket in the event of a claim. Physical damage insurance, termed comprehensive and collision coverage on your policy, is used to repair damage to your car. Some instances where coverage would apply would be colliding with a building, damage from fire, or theft. The more you are required to pay out-of-pocket, the less your company will charge you for insurance on Prizm coverage.
Sex matters – The statistics show that women are safer drivers than men. However, don’t assume that men are WORSE drivers than women. They both tend to get into accidents in similar percentages, but men cause more damage and cost insurance companies more money. Men also get cited for more serious violations such as reckless driving.
Bundling policies can get discounts – Most companies will award you with lower prices to people who carry more than one policy, otherwise known as a multi-policy discount. Even if you’re getting this discount you still need to comparison shop to confirm you are receiving the best rates possible. You may still be able to find better rates by insuring with multiple companies.
A clean driving record saves money – Your driving citation history has a big impact on rates. Drivers who don’t get tickets get better rates than bad drivers. Even one moving violation can bump up the cost by twenty percent. Drivers who have serious citations such as DUI or reckless driving may need to submit a SR-22 form with their state motor vehicle department in order to continue driving.

How to know if you need help

When buying the right insurance coverage, there really is not a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether your personal situation would benefit from an agent’s advice.

Is a blown tire covered by insurance?
Should I buy full coverage?
Which companies will insure high-risk drivers?
Will my rates increase for filing one claim?
Do I need motorclub coverage?
Is my Chevy Prizm covered if I use it for business?
What is the minimum liability in my state?
How do I insure my teen driver?
Am I covered if I hit my neighbor’s mailbox?
Does car insurance cover theft of personal property?

If it’s difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies.

The coverage is in the details

Learning about specific coverages of car insurance helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. These are the usual coverages offered by car insurance companies.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from 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 things such as rock chips in glass, falling objects, theft, damage from a tornado or hurricane and hail damage. The maximum amount you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage

This coverage covers damage to your Prizm from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with a tree, scraping a guard rail, backing into a parked car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for rehabilitation expenses, hospital visits and nursing services. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle when other motorists 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 Prizm.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability coverage

Liability coverage can cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as medical services, court costs and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Shop. Compare. Save.

The cheapest 2000 Chevy Prizm insurance is available online and also from your neighborhood agents, and you need to comparison shop both to have the best chance of lowering rates. Some companies may not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Throughout this article, we presented quite a bit of information on how to compare insurance prices online. The key concept to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. You may even discover the best price on car insurance is with an unexpected company. Smaller companies can often insure niche markets at a lower cost than their larger competitors like State Farm or Progressive.