2004 Chevrolet Classic Insurance Quotes – 10 Policy Discounts

Want lower auto insurance rates for your Chevrolet Classic? Feel like you’re a prisoner to overpriced auto insurance? Trust us when we tell you there are a lot of people just like you who feel imprisoned by their auto insurance policy. Companies like State Farm, Allstate, Geico and Progressive all claim big savings, bombarding you with TV and radio ads and it is difficult to see through the deception and do the work needed to find the best deal.

These ten discounts can lower your rates

Companies that sell car insurance don’t always advertise every available discount in an easy-to-find place, so we took the time to find both the well known as well as the least known savings tricks you should be using. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Bundle and Save – If you have multiple policies with the same company you may earn approximately 10% to 15%.
  • Theft Prevention System – Cars that have factory anti-theft systems are stolen less frequently and qualify for as much as a 10% discount.
  • Clubs and Organizations – Being a member of a civic or occupational organization is a good way to get lower rates when shopping for auto insurance for Classic insurance.
  • Defensive Driving Course – Taking a course in driver safety could save 5% or more if your company offers it.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper since new cars are generally safer.
  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Low Mileage – Fewer annual miles on your Chevy could qualify for lower rates on the low mileage vehicles.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can get savings of 20% or more.
  • Multiple Vehicles – Having multiple vehicles on the same auto insurance policy may reduce the rate for each vehicle.

Consumers should know that many deductions do not apply to the entire policy premium. Most cut specific coverage prices like medical payments or collision. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way.

For a list of insurers offering auto insurance discounts, follow this link.

Different people need different coverages

When choosing adequate coverage, there really is not a best way to insure your cars. Each situation is unique and your policy should reflect that. For instance, these questions might help in determining whether or not you would benefit from professional advice.

  • How can I get high-risk coverage after a DUI?
  • Can I make deliveries for my home business?
  • What is PIP insurance?
  • At what point should I drop full coverage?
  • Will filing a claim cost me more?
  • Am I covered when driving someone else’s vehicle?
  • Why do I need rental car insurance?
  • Is a fancy paint job covered?
  • Is my 2004 Chevy Classic covered for flood damage?
  • Are my friends covered when driving my 2004 Chevy Classic?

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, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

Educate yourself about car insurance coverages

Learning about specific coverages of a car insurance policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages available from car insurance companies.

Protection from uninsured/underinsured drivers – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Chevy Classic.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.

Medical expense insurance – Med pay and PIP coverage kick in for short-term medical expenses such as rehabilitation expenses, prosthetic devices, nursing services and hospital visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like rock chips in glass, damage from getting keyed, a broken windshield, damage from flooding and damage from a tornado or hurricane. The most your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision – Collision coverage covers damage to your Classic caused by collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as colliding with a tree, rolling your car, sideswiping another vehicle, hitting a parking meter and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Auto liability – Liability insurance will cover injuries or damage you cause to a person or their property by causing 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 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability can pay for claims such as medical expenses, repair costs for stationary objects, bail bonds and court costs. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Don’t break the bank

We just showed you many tips how you can lower your 2004 Chevy Classic insurance rates. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with a company that doesn’t do a lot of advertising. These companies often have lower prices on specific markets compared to the large companies like Allstate or State Farm.

Low-cost insurance can be sourced both online as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. Some insurance providers don’t offer you the ability to get quotes online and most of the time these smaller companies sell through independent agents.

As you restructure your insurance plan, do not reduce coverage to reduce premium. There are many occasions where 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 strategy should be to find the BEST coverage at an affordable rate.

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