2001 Chevrolet Metro Insurance Quotes

Trying to find lower car insurance rates for your Chevrolet Metro? Have you fallen victim to overpriced car insurance? Believe me, there are many people just like you. Having so many car insurance companies to choose from, it is very difficult to find the lowest cost insurance company.

You need to get comparison quotes occasionally since rates are adjusted regularly by insurance companies. Even if you think you had the best rates on Metro coverage on your last policy there may be better deals available now. Starting right now, forget all the misinformation about car insurance because I’m going to teach you the quickest way to reduce your cost while increasing coverage.

The quickest way to compare rate quotes is to know most insurance companies participate in a system to provide you with a free rate quote. All you need to do is provide a little information including distance driven, the type of vehicles you drive, marital status, and if you have an active license. The rating information is then sent to many highly-rated insurers and they return quotes instantly to find the best rate.

Save 15 percent in 15 minutes? Is it for real?

Drivers get pounded daily by advertisements for car insurance savings by companies like GEICO, State Farm and Progressive. They all have a common claim that you’ll save big after switching to them.

How do they all say the same thing? It’s all in the numbers.

Insurance companies can use profiling for the right customer that makes them money. A good example of a driver they prefer could be between the ages of 40 and 55, a clean driving record, and drives newer vehicles. A propective insured that hits that “sweet spot” will qualify for the lowest rates and as a result will probably cut their rates substantially.

Consumers who fall outside this ideal profile will be quoted higher rates and ends up with business not being written. Company advertisements say “customers that switch” not “people who quote” save that much. That is how companies can advertise the way they do. This emphasizes why drivers should get as many comparisons as possible. It’s impossible to know which insurance companies will give you the biggest savings on Chevy Metro insurance.

Are you getting all your discounts?

Companies offering auto insurance don’t always advertise all their discounts in a way that’s easy to find, so the following is a list of some of the best known and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount possible, you are throwing money away.

  • Resident Student – Kids in college who live away from home and don’t have a car can receive lower rates.
  • Federal Employees – Active or retired federal employment could cut as much as 10% off on Metro coverage with select insurance companies.
  • Bundle and Save – When you have multiple policies with the same company you may save approximately 10% to 15%.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save up to 15% off the personal injury premium cost.
  • Homeowners Savings – Owning a home may earn you a small savings because of the fact that having a home requires personal responsibility.
  • One Accident Forgiven – Certain companies will forgive one accident before your rates go up so long as you haven’t had any claims for a particular time prior to the accident.
  • Good Students Pay Less – This discount can save 20 to 25%. The good student discount can last up until you turn 25.
  • Military Rewards – Being deployed with a military unit could mean lower rates.

It’s important to note that most of the big mark downs will not be given the the whole policy. Most only apply to specific coverage prices like liability, collision or medical payments. Just because you may think you can get free auto insurance, you won’t be that lucky.

Car insurance companies that may offer some of the above discounts include:

It’s a good idea to ask each insurance company how you can save money. All car insurance discounts might not be offered in your area.

When might I need an agent?

When it comes to choosing adequate coverage for your vehicles, there is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions can aid in determining if you would benefit from an agent’s advice.

  • When can I cancel my policy?
  • Why is insurance for a teen driver so high?
  • Why do I only qualify for high-risk insurance?
  • Is my ex-spouse still covered by my policy?
  • Is my custom paint covered by insurance?
  • Where can I find DUI or SR-22 insurance?
  • I don’t drive much so do I pay less?
  • How much liability coverage do I need in my state?
  • Am I covered when driving a rental car?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It’s fast, free and can provide invaluable advice.

Coverages available on your car insurance policy

Knowing the specifics of your policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverages found on most car insurance policies.

Uninsured Motorist or Underinsured Motorist insurance – This coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Chevy Metro.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision) – This coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hitting a bird, vandalism, theft and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Collision coverage – Collision insurance covers damage to your Metro from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sustaining damage from a pot hole, rolling your car, scraping a guard rail and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance reimburse you for bills for nursing services, prosthetic devices, funeral costs, surgery and dental work. They are utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability car insurance – This coverage can cover damage that occurs to a person or their property that is your fault. It protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers things like repair bills for other people’s vehicles, court costs, attorney fees and pain and suffering. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

The bottom line

Cost effective 2001 Chevy Metro insurance is available online in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some insurance companies do not provide you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice liability coverage limits only to regret at claim time that it was a big error on their part. The proper strategy is to buy a smart amount of coverage at a price you can afford, not the least amount of coverage.

Throughout this article, we presented quite a bit of information on how to shop for insurance online. It’s most important to understand that the more providers you compare, the better your chances of lowering your rates. You may be surprised to find that the lowest rates come from an unexpected company. They often have lower prices on specific markets than their larger competitors like Progressive or GEICO.

Additional detailed information is located in these articles: