1991 Chevrolet Corsica Insurance Rates – 5 Tips to Save

If price shopping insurance online is new to you, you may be overwhelmed by the vast number of insurance companies offering coverage.

Finding affordable coverage is not that difficult. If you are paying for car insurance now, you will most likely be able to cut costs considerably using these methods. But vehicle owners can benefit by having an understanding of how insurance companies compete online and use this information to your advantage.

How to Compare Car Insurance Quotes

There are multiple methods to compare 1991 Chevy Corsica car insurance prices but one way is easier and takes less work. You can waste a few hours (or days) talking about coverages with insurance agencies in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Most of the larger companies belong to a marketplace where prospective buyers send in one quote, and each company provides a quote for coverage. This system prevents you from having to do quote forms to every company.

To get comparison pricing now click here (opens in new window).

The one downside to using this type of system is that consumers can’t choose which providers you will receive quotes from. So if you prefer to pick individual companies for rate comparison, we put together a list of car insurance companies in your area. View list of insurance companies.

Whichever way you use, double check that you are using the exact same coverages on every quote. If you enter different limits and deductibles on each one it will be very difficult to decipher which rate is best. Quoting even small variations in limits can make a big difference in price. And when quoting car insurance, remember that more quotes will improve the odds of getting a better price.

Discounts on 1991 Chevy Corsica insurance

Car insurance companies don’t always advertise every discount very clearly, so we break down some of the best known as well as the least known ways to save on insurance.

• Driver Safety – Completing a course in driver safety could save 5% or more depending on where you live.
• Fewer Miles Equal More Savings – Fewer annual miles on your Chevy could qualify for lower rates on the low mileage vehicles.
• Save with a New Car – Insuring a new car is cheaper since new cars are generally safer.
• Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
• Auto/Life Discount – Select insurance companies reward you with better rates if you take out life insurance from them.

It’s important to note that most credits do not apply to your bottom line cost. Most only cut individual premiums such as collision or personal injury protection. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

To see a list of providers with the best insurance discounts, click here.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Every insured’s situation is different.

For example, these questions may help you determine if your situation will benefit from professional help.

• Do I need to file an SR-22 for a DUI in my state?
• If my pet gets injured in an accident are they covered?
• Where can I get insurance after a DUI in my state?
• What if I total my 1991 Chevy Corsica and owe more than it’s worth?
• What are the financial responsibility laws in my state?
• How many claims can I have before being cancelled?
• How can I get high-risk coverage after a DUI?
• Can I make deliveries for my home business?
• Can I afford to buy a different vehicle if my 1991 Chevy Corsica is totaled?
• Do I have newly-aquired coverage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, complete this form.

Coverages available on your policy

Knowing the specifics of auto insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as vandalism, hitting a bird, damage from flooding and rock chips in glass. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for expenses for surgery, ambulance fees, dental work, nursing services and pain medications. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance

This coverage protects you from injuries or damage you cause to people or other property in an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims such as repair bills for other people’s vehicles, structural damage, attorney fees, legal defense fees and funeral expenses. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

Coverage for collisions

This coverage covers damage to your Corsica caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims like colliding with a tree, crashing into a ditch, backing into a parked car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.

Uninsured/Underinsured Motorist coverage

This coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Corsica.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.