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Chevrolet Prizm Insurance Rates

Drivers have lots of options when attempting to insure your Chevrolet vehicle. You can get prices from an insurance agent or get quotes online to compare rates from insurance providers. Comparing auto insurance by comparing rates online saves time, is easy to do, plus you may find lower rates.

Using the web to shop for auto insurance direct can be difficult if you are a beginner to online quoting. But don't let that discourage you because we're going to show you how. Getting cheaper insurance rates can be quick and easy. The only requirement is to invest a few minutes to compare quotes online from several insurance companies. This can be done by comparing rates here.

Rates are determined by these factors

Insurance premiums for a Chevrolet Prizm can fluctuate considerably and are calculated by many factors. Including but not limited to:

  • High performance increases premiums
  • Accidents raise premiums
  • Home and auto can earn discounts
  • Use of your vehicle
  • Add-on coverages such as rental reimbursement
  • Whether or not you have claims
  • No coverage lapses saves money
  • Home ownership saves money

One important consideration that can impact your rates is the age of the vehicle. Newer models have a higher value compared to older Chevrolet models so the costs to repair may result in higher rates. Conversely, newer models have more advanced features such as a backup camera, dual-stage airbags, and an advanced theft deterrent system which may lower rates.

To get a better idea how much rates will be for your vehicle, select the year of your Prizm from the list below.

Auto liability insurance

This protects you from damage or injury you incur to other people or property. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so buy as high a limit as you can afford.

Auto collision coverage

This coverage pays for damage to your Chevrolet caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company. Prizm collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Comprehensive insurance

Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay. The most your auto insurance company will pay is the cash value of the vehicle, so if it's not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle's occupants from other drivers when they do not carry enough liability coverage. Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for immediate expenses like EMT expenses, pain medications, and nursing services. They are often used to fill the gap from your health insurance program or if you do not have health coverage. PIP coverage is not available in all states and gives slightly broader coverage than med pay.

How Much are Chevrolet Prizm Insurance Rates?