Cheaper 1999 Chevrolet Prizm Car Insurance Rates

Have you had enough of paying out the nose to buy car insurance? Your situation is no different than most other car owners. Many car insurance companies vie for your hard-earned dollar, so it’s not easy to compare every insurance company to discover the definitive best rate

You should make it a habit to get comparison quotes once or twice a year since rates are adjusted regularly by insurance companies. Just because you had the lowest price on Prizm coverage last year there is a good chance you can find better rates now. Block out anything you think you know about insurance coverage because I’m going to let you in on the secrets to how to use the internet to find the best coverage while lowering your premiums.

If you have insurance now or are looking for a new policy, you can use this information to find the best rates while maximizing coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Consumers only need to know how to get comparison rates over the internet.

These discounts can slash auto insurance rates

Companies that sell car insurance do not list all available discounts very clearly, so here is a list some of the best known and also the lesser-known ways to save on auto insurance. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Life Insurance – Select insurance companies reward you with better rates if you take out life insurance from them.
  • Payment Method – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Good Student – This discount can earn a discount of 20% or more. This discount can apply up to age 25.
  • Defensive Driving Course – Completing a defensive driving course can save you 5% or more if you qualify.
  • Multiple Vehicles – Insuring multiple vehicles on one policy can get a discount on all vehicles.
  • Seat Belts Save more than Lives – Drivers who require all occupants to buckle their seat belts can save up to 15% off your medical payments premium.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Some only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way.

To see a list of providers with discount auto insurance rates, click here.

How to Compare Insurance Rates

There are multiple methods to compare 1999 Chevy Prizm insurance prices and some are easier and takes less work. You can waste a lot of time talking about coverages with insurance companies in your area, or you could use the web to get rates in a matter of minutes.

Many of the larger companies enroll in a system that enables customers to only type in their quote data once, and each participating company then returns a price quote based on that information. This system prevents you from having to do form submissions for each company you want a rate for. To compare 1999 Chevy Prizm rates using this form now click here to open in new window.

The single downside to using this type of form is that you can’t choose the providers you want pricing from. If you wish to select specific insurance companies to request quotes from, we put together a list of the cheapest insurance companies in your area. Click to view list.

It doesn’t matter which method you choose, just compare exactly the same information for every company. If your comparisons have different values for each quote you will not be able to decipher which rate is best.

Chevy Prizm premiums are determined by many factors

Consumers need to have an understanding of some of the elements that go into determining the rates you pay for auto insurance. Having a good understanding of what impacts premium levels enables informed choices that can help you get better auto insurance rates.

Listed below are a few of the “ingredients” auto insurance companies consider when setting your rates.

  • High credit ratings translate to low rates – Credit rating is a important factor in determining what you pay for auto insurance. Drivers who have excellent credit tend to be better drivers and file fewer claims than drivers with lower credit ratings. Therefore, if your credit can use some improvement, you could pay less to insure your 1999 Chevrolet Prizm by repairing your credit.
  • Lower rates come with age – Young drivers tend to be less responsible when behind the wheel so they pay higher auto insurance rates. Older insureds tend to be more responsible, file fewer claims and tend to be better behind the wheel.
  • High numbers of claims are not good – If you are a frequent claim filer, you can expect either policy cancellation or increased premiums. Insurance companies provide better rates to insureds who are claim-free. Your insurance policy is meant to be used in the event of the bigger claims that can’t be paid out-of-pocket.
  • Proper usage rating affects rates – The more miles you rack up on your Chevy each year the more you’ll pay to insure your vehicle. Almost all companies charge to insure your cars based on how the vehicle is used. Vehicles left parked in the garage get more affordable rates than vehicles that are driven to work every day. Make sure your auto insurance policy is rated on how each vehicle is driven. Incorrect usage on your Prizm can result in significantly higher rates.
  • Rural vs Urban Areas – Living in small towns and rural areas has it’s advantages when it comes to auto insurance. Urban drivers have congested traffic and longer commutes to work. Less people living in that area translates into fewer accidents and a lower car theft rate.
  • Liability coverage protects you – The liability section of your policy is the protection if a jury decides you are liable for damages caused by your negligence. Liability provides legal defense which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores are cheaper to insure. Safe vehicles result in less severe injuries and better occupant protection translates into fewer and smaller insurance claims and lower rates for you. If your Chevy Prizm earned at least four stars on Safercar.gov you may qualify for a discount.
  • Increase deductibles and save – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Chevy from damage. Some examples of claims that would be covered are a windshield shattered by a rock, damage from fire, or theft. Deductibles for physical damage are the amount of money you are willing to pay in the event of a claim. The more expense the insured has to pay upfront, the bigger discount you will receive on Prizm coverage.

When might I need the advice of an agent?

When buying the right insurance coverage, there isn’t really a one size fits all plan. Each situation is unique and a cookie cutter policy won’t apply. For instance, these questions might help in determining whether or not you could use an agent’s help.

  • Is motorclub coverage worth it?
  • Can I still get insurance after a DUI?
  • Am I covered when using my vehicle for business?
  • Do I need replacement cost coverage on my 1999 Chevy Prizm?
  • What exactly is covered by my policy?
  • How many claims can I have before being cancelled?
  • Should I carry comprehensive and collision coverage?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is my cargo covered for damage or theft?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Don’t listen to company ads

Consumers get pounded daily by advertisements for car insurance savings by State Farm and Allstate. All the ads have a common claim that you can save after switching to their company.

How can each company claim to save you money? This is how they do it.

All the different companies have a preferred profile for the type of driver that is profitable for them. For example, a preferred risk might be profiled as between 25 and 40, a clean driving record, and chooses high deductibles. A driver who meets those qualifications receives the best rates and therefore will pay quite a bit less when switching companies.

Consumers who don’t measure up to the requirements will be charged higher prices which usually ends up with the customer not buying. The ads say “people who switch” but not “drivers who get quotes” save that much. That is how companies can truthfully claim big savings. That is why it is so important to get a wide range of price quotes. It is impossible to predict which insurance companies will fit your personal profile best.

Information about specific coverages

Learning about specific coverages of your policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy Prizm.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses such as dental work, X-ray expenses, doctor visits, surgery and prosthetic devices. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible

Liability coverage – Liability insurance protects you from damage or injury you incur to people or other property by causing an accident. It protects you from legal claims by others. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for claims like loss of income, pain and suffering, repair costs for stationary objects, funeral expenses and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

Comprehensive coverage – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as theft, hitting a deer and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverages – This pays for damage to your Prizm caused by collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like scraping a guard rail, driving through your garage door, rolling your car, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Save your hard earned cash

Throughout this article, we presented many tips how you can compare 1999 Chevy Prizm insurance prices online. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. Drivers may discover the most savings is with a lesser-known regional company. They may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive or Geico.

Cheaper insurance can be purchased from both online companies and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. Some insurance companies may not provide online price quotes and these small insurance companies work with independent agents.

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