Top Techniques to Paying Less to Insure a Chevy Corsica

I can’t think of a single person who cherishes buying auto insurance, particularly when the price is too high. Companies like State Farm, Allstate, GEICO and Progressive continually hit you with fancy advertisements and consumers find it hard to ignore the propoganda and find the best price available.

Comparison of Auto Insurance

There are a variety of methods to compare auto insurance prices but one way is less time-consuming than others. You could waste a few hours talking about coverages with agents in your area, or you could save time and use online quoting to get rates in a matter of minutes.

Many insurance companies participate in a marketplace that enables customers to complete one form, and each company then returns a price quote determined by their information. This eliminates the need for quote forms to each company.

To find out how much you’re overpaying now click here to open in new window.

The only downside to doing it this way is buyers cannot specifically choose which companies you want pricing from. So if you want to choose individual companies to compare prices, we put together a list of companies who write auto insurance in your area. View list of insurance companies.

However you get your quotes, make sure you use the exact same deductibles and coverage limits with each company. If you use unequal deductibles or liability limits it will be impossible to make an equal comparison.

Take advantage of discounts

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that many people don’t even know exist. Some trigger automatically at quote time, but some must be manually applied prior to receiving the credit. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.

Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
Claim Free – Claim-free drivers pay less as compared to drivers who are more careless.
Life Insurance – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
Defensive Driver – Taking part in a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
Good Student – Performing well in school can be rewarded with saving of up to 25%. This discount can apply until age 25.
Military Rewards – Having a family member in the military could be rewarded with lower premiums.
Multi-policy Discount – If you insure your home and vehicles with the same insurance company you could get a discount of at least 10% off all policies.
More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company can get a discount on all vehicles.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way. Any qualifying discounts will cut your overall premium however.

Chevy Corsica insurance rates are influenced by…

Consumers need to have an understanding of the factors that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels enables informed choices that can help you get much lower annual insurance costs.

Shown below are some of the items auto insurance companies consider when setting your rates. insurance prices

Claim-free discounts can add up – If you file claims often, you can pretty much guarantee either policy cancellation or increased premiums. Companies award cheaper rates to people who file claims infrequently. Your insurance policy is intended for the large, substantial claims.
Drive a safer car and pay less – Safer cars can get you lower premiums. These vehicles reduce injuries and any reduction in injury severity means lower claim amounts passed on to you as lower rates. If the Chevy Corsica scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
Your location is important – Being located in small towns and rural areas is a positive aspect when insuring your vehicles. Lower population means a lower chance of having an accident and a lower car theft rate. Drivers who live in large cities regularly have more traffic problems and longer commutes to work. Higher commute times can result in more accidents.
Protect yourself with liability coverage – Liability coverage provides coverage in the event that you are found to be at fault for damages from an accident. Liability insurance provides you with a defense in court up to the limits shown on your policy. Liability is cheap when compared with rates for comp and collision, so drivers should carry high limits.
More miles equals more premium – The higher the mileage driven each year the higher your rates will be. Most insurance companies apply a rate based on how the vehicle is used. Cars and trucks not used for work or commuting can get a lower rate compared to those used for work or business. An improperly rated Corsica can result in significantly higher rates. Ask your agent if your auto insurance declarations sheet is rated on the correct usage for each vehicle, because it can save money.
Lower deductibles cost more – Coverage for physical damage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your Chevy. Some instances where coverage would apply could be running into the backend of another car, vandalism, or theft. Your deductibles are how much you are willing to pay if you file a covered claim. The more you are required to pay out-of-pocket, the less your auto insurance will be for Corsica coverage.
Rates may be lower depending on your job – Did you know that where you work can have an impact on rates? Occupations like lawyers, architects and accountants tend to pay higher rates than average in part from stressful work requirements and lots of time spent at work. On the flip side, professions such as farmers, athletes and homemakers have the lowest average rates for Corsica coverage.

Car Insurance through a local agent

Some consumers would prefer to talk to a local agent and that is just fine! Professional agents can answer important questions and help submit paperwork. The biggest benefit of comparing insurance prices online is you may find better rates and still have an agent to talk to. And supporting small agencies is definitely important in smaller rural communities.

By using this short form, the coverage information is transmitted to insurance agents who will return price quotes for your insurance coverage. You don’t have to visit any agencies as quotes are delivered directly to your email. How cool is that?!

What type of auto insurance agent is right for you?

When researching a reliable agent, you need to know there are two types of agencies to choose from. agents are either independent (non-captive) or captive. Both insure your vehicles, but it’s important to know how they differ because it can influence the type of agent you choose

Independent Agents

Independent agents are not locked into one company so they can insure your vehicles with lots of companies depending on which coverage is best. If your agent finds better pricing, an independent agent can move your coverage and you don’t have to find a new agent.

When shopping rates, we recommend you include at a minimum one independent agency for the best price selection.

Captive Insurance Agents

Captive insurance agents can only place business with one company and examples are Allstate, Farmers Insurance or State Farm. They generally cannot give you multiple price quotes so they have to upsell other benefits. They are well schooled on their products and sales techniques which helps them compete with independent agents.

For a complete listing of insurance agents, visit this site.

Picking an auto insurance agent should depend on more than just the price. Ask your prospective agent these questions:

Do they regularly work with personal auto policies?
What will you get paid if your car is a total loss? How is that amount determined?
Do you have coverage for a rental car if your vehicle is in the repair shop?
What insurance company do they write the most business with?
Are they full-time agents?
Are they properly licensed to sell insurance in your state?

After receiving answers to your satisfaction to all your questions and an affordable coverage quote, it’s possible that you found an insurance agency that will adequately provide auto insurance.

Drivers who switch save $417 a year? Really?

Consumers constantly see and hear ads for the lowest price auto insurance by Progressive, GEICO, Allstate and State Farm. All the ads make an identical promise that you can save after switching to their company.

But how can every company claim to save you money?

All companies can use profiling for the type of driver that is profitable for them. For instance, a profitable customer might be profiled as between the ages of 40 and 55, has no tickets, and has a short commute. A customer getting a price quote who fits that profile is entitled to the best price and most likely will cut their rates substantially.

Potential customers who don’t measure up to this ideal profile will be charged more money and this can result in the customer not buying. The ads state “customers who switch” not “everyone that quotes” save that much. This is how companies can truthfully make those claims.

That is why drivers must get quotes from several different companies. Because you never know which insurance companies will have the lowest rates.

Buy online or local, you save

In this article, we covered many ways to save on Chevy Corsica insurance. It’s most important to understand that the more times you quote, the better your comparison will be. You may be surprised to find that the best price on auto insurance is with a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower rates in certain areas than their larger competitors like Allstate and Progressive.

When you buy insurance online, do not buy lower coverage limits just to save a few bucks. There have been many cases where someone dropped collision coverage and learned later that the small savings ended up costing them much more. Your focus should be to buy a smart amount of coverage at an affordable rate.