1991 Chevrolet Corsica Insurance Rates

Looking for better insurance rates for your Chevrolet Corsica? Finding better insurance prices for a new or used Chevy Corsica can turn out to be an all-consuming task, but you can learn our insurance buying tips to save time.

There are both good and bad ways to find insurance online and we’ll show you the best way to get price quotes for your Chevy and locate the lowest price either online or from local insurance agents.

You need to compare prices yearly because rates tend to go up over time. Just because you had the best rates on Corsica coverage a couple years back there is a good chance you can find better rates now. Forget anything you know (or think you know) about insurance because we’re going to demonstrate the things you must know in order to properly buy coverages while reducing your premium.

Buying affordable insurance coverage is simple if you know the tricks. If you are insured now or are just looking to switch companies, you can follow these tips to find better prices while maintaining coverages. Drivers just need to know the tricks to compare price quotes online.

Why you might be paying too much to insure your Chevy Corsica

An important part of buying insurance is that you know the different types of things that go into determining the rates you pay for insurance coverage. Knowing what determines base rates allows you to make educated decisions that may reward you with lower insurance coverage prices.

  • Do you know your deductibles? – Physical damage deductibles represent how much money you are willing to pay out-of-pocket before a claim is paid by your company. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. A few examples of covered claims could be colliding with a building, damage from fire, and burglary. The more you have to pay, the bigger discount you will receive on Corsica coverage.
  • Don’t buy coverages you don’t need – There are a ton of additional coverages that you can buy when buying insurance coverage. Coverages like vanishing deductibles, towing coverage and motor club memberships may be wasting your money. These coverages may sound good when you first buy your policy, but if you don’t need them get rid of them and save.
  • Equipment add-ons that lower insurance coverage rates – Purchasing a vehicle with a theft deterrent system can help lower your rates. Anti-theft devices such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping car theft.
  • Multi-policy discounts can save money – Some insurers provide better rates to insureds who consolidate policies with them such as combining an auto and homeowners policy. Discounts can add up to five, ten or even twenty percent. Even with this discount, it’s in your best interest to compare rates to verify if the discount is saving money. Drivers may still find a better deal by splitting coverages up.
  • Your stress level may be raising your rates – Jobs such as lawyers, business owners and stock brokers tend to have the highest rates due to stressful work requirements and long work hours. On the other hand, jobs such as actors, students and retirees receive lower rates on Corsica coverage.
  • Lower rates come with age – Young drivers are known to be more careless when behind the wheel so they pay higher insurance coverage rates. Older insureds are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
  • Never go without insurance – Driving with no insurance is a misdemeanor and you will pay a penalty because you let your coverage lapse. And not only will insurance be more expensive, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
  • Being married is a good thing – Getting married can get you a discount on your insurance coverage policy. Having a spouse translates into being more mature than a single person and it’s proven that married couples file fewer claims.

The method we recommend to compare rate quotes is to know the trick most larger insurance companies participate in online systems to give you rate quotes. All consumers are required to do is spend a couple of minutes providing details like whether your vehicle is owned or leased, the type of vehicles you drive, daily mileage, and if you’re married. That rating data is then sent to all major companies and they respond with quotes with very little delay.

Ads can be misleading

Consumers constantly see and hear ads that promise big savings by 21st Century, Allstate and State Farm. All the ads make the same claim that you’ll save big if you move to their company.

How can each company make almost identical claims?

Different companies have a certain “appetite” for the driver that earns them a profit. For instance, a preferred risk could possibly be over the age of 50, has no driving citations, and has great credit. A customer getting a price quote who matches those parameters will get very good rates and is almost guaranteed to save quite a bit of money when switching.

Potential customers who don’t measure up to these standards will have to pay a higher premium and ends up with the customer not buying. The ads say “customers that switch” not “people who quote” save money. This is how insurance companies can confidently claim big savings.

Because of the profiling, you need to quote coverage with many companies. It’s just too difficult to predict which company will give you the biggest savings on Chevy Corsica insurance.

Do you qualify for discounts?

Car insurance can cost a lot, but there are discounts available to help offset the cost. Certain discounts will be triggered automatically when you get a quote, but lesser-known reductions have to be inquired about before you get the savings. If you aren’t receiving every discount available, you are paying more than you should be.

  • New Car Discount – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
  • Clubs and Organizations – Being a member of certain professional organizations is a good way to get lower rates when shopping for car insurance on Corsica coverage.
  • Bundle and Save – If you insure your home and vehicles with the same insurance company you may save at least 10% off all policies.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
  • Defensive Driver – Completing a defensive driving course could cut 5% off your bill and easily recoup the cost of the course.
  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount on Corsica coverage with certain companies.
  • Theft Prevention System – Anti-theft and alarm systems help deter theft and qualify for as much as a 10% discount.
  • Accident Waiver – A handful of insurance companies permit an accident without raising rates as long as you don’t have any claims for a certain period of time.
  • Auto/Life Discount – Larger companies have a discount if you purchase life insurance from them.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you would end up receiving a 100% discount, companies don’t profit that way. But any discount will cut the cost of coverage.

Insurance companies that may offer these benefits include:

It’s a good idea to ask every prospective company which discounts they offer. Discounts may not apply everywhere.

Don’t assume everyone needs the same coverage

When it comes to buying adequate coverage for your vehicles, there is no one size fits all plan. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining whether or not you would benefit from professional advice.

  • How do I insure my teen driver?
  • At what point should I drop full coverage?
  • Do I really need UM/UIM coverage?
  • When should I drop full coverage on my 1991 Chevy Corsica?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Why does it cost so much to insure a teen driver?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How much can I save by bundling my policies?
  • Am I better off with higher deductibles on my 1991 Chevy Corsica?

If you’re not sure about those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Auto insurance coverages

Knowing the specifics of auto insurance can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments coverage and PIP – Med pay and PIP coverage reimburse you for immediate expenses such as funeral costs, chiropractic care, pain medications and prosthetic devices. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive coverage – Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, theft, hitting a deer, damage from getting keyed and a broken windshield. The maximum amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage – This coverage provides protection from other motorists when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your 1991 Chevy Corsica.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are set the same as your liablity limits.

Collision coverages – Collision insurance pays for damage to your Corsica resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like colliding with another moving vehicle, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible to bring the cost down.

Liability auto insurance – This coverage provides protection from damage or injury you incur to other people or property in an accident. This coverage protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like funeral expenses, legal defense fees and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Be Smart and Buy Smart

Consumers who switch companies do it for any number of reasons including poor customer service, denial of a claim, an unsatisfactory settlement offer or even questionable increases in premium. Whatever your reason, choosing a new company can be less work than you think.

In this article, we covered a lot of ways to save on 1991 Chevy Corsica insurance. The key concept to understand is the more quotes you get, the better your comparison will be. Drivers may discover the biggest savings come from some of the lesser-known companies.

The cheapest insurance is attainable on the web and also from your neighborhood agents, so you should be comparing quotes from both to have the best chance of lowering rates. A few companies may not provide online price quotes and these regional insurance providers work with independent agents.

Additional detailed information can be read at these sites: