View 2005 Chevrolet Classic Car Insurance Quotes

Are you overwhelmed by the dozens of car insurance companies? You’re not alone. Drivers have so many companies to choose from that it can quickly become a challenge to find the best price.

If you have car insurance now, you will be able to lower your premiums substantially using this strategy. This article will familiarize you with the best way to quote coverages and some money-saving tips. But drivers must comprehend the way insurance companies compete online.

Where Can I Get Cheap Car Insurance?

To find the best car insurance prices, there are several ways to compare rate quotes from car insurance companies in your area. The recommended way to find the cheapest 2005 Chevy Classic insurance rates involves getting comparison quotes online. This is very easy and can be done in just a few minutes using one of these methods.

Probably the best way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This type of form eliminates the need for separate forms to each individual car insurance company. Just one form gets you coverage quotes instantly. This is by far the quickest method.
Another way to get comparison quotes is going to each individual company website to complete their respective quote request forms. For sake of this example, let’s assume you want to compare Geico, 21st Century and Progressive. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

It doesn’t matter which method you choose, just ensure you’re using the exact same coverage limits for every company. If you use different deductibles then you won’t be able to find the best deal for your Chevy Classic. Just a small difference in limits may result in large price differences. And when quoting car insurance, remember that having more price comparisons gives you a better chance of getting a better price.

Discounts are great for lower rates

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that you may not even be aware of. Some discounts apply automatically at the time of purchase, but less common discounts must be specifically requested in order for you to get them.

Seat Belts Save – Drivers who require all occupants to use a seat belt can save 10% or more off the personal injury premium cost.
Save with a New Car – Buying coverage on a new vehicle can save up to 30% compared to insuring an older model.
Driver Safety – Taking a defensive driving course could save 5% or more if you qualify.
Good Students Pay Less – Performing well in school can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.

Keep in mind that some of the credits will not apply the the whole policy. Most cut the cost of specific coverages such as liability and collision coverage. So even though it sounds like you can get free auto insurance, auto insurance companies aren’t that generous. Any amount of discount will reduce the cost of coverage.

For a list of insurers with discount auto insurance rates, click here to view.

You may need specialized coverage

When it comes to buying adequate coverage, there really is not a single plan that fits everyone. Every insured’s situation is different.

For instance, these questions may help you determine whether you would benefit from professional advice.

Is my 2005 Chevy Classic covered for smoke damage?
Does my car insurance cover rental cars?
Are my friends covered when driving my 2005 Chevy Classic?
At what point should I drop full coverage?
Does my insurance cover my expensive audio equipment?
Is my state a no-fault state?

If you can’t answer these questions, you might consider talking to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Car insurance 101

Having a good grasp of your insurance policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive auto coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like a broken windshield, damage from flooding, theft, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your Chevy Classic.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Auto collision coverage

This coverage pays for damage to your Classic resulting from colliding with another car or object. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, hitting a mailbox, backing into a parked car and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Liability coverages

Liability coverage provides protection from damage or injury you incur to a person or their property. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has 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 policy limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like loss of income, pain and suffering, funeral expenses and medical services. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for pain medications, dental work, surgery and prosthetic devices. They can be used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible