Chevy Prizm Drivers Have the Best Auto Insurance Rates

Locating low-cost insurance for a Chevy Prizm can normally be a lot of work, but you can learn these tips to make it easier. There are both good and bad ways to shop for auto insurance so you’re going to learn the quickest way to compare rates for a Chevy and obtain the lowest possible price either online or from local insurance agents.

Choosing the best insurance company for you is not rocket science. In a nutshell, everyone who has to buy auto insurance should be able to cut their insurance bill. But drivers should learn how big insurance companies price online insurance and apply this information to your search.

The quickest method to compare rates is to know the fact most of the larger companies have advanced systems to give you rate quotes. To begin a comparison, all you need to do is give the companies some data like whether you drive to work or school, whether your vehicle is owned or leased, how much school you completed, and if you’re married. Your insurance information is instantly sent to many different companies and you will get price comparisons very quickly.

If you would like to compare rates now, click here and complete the quick form.

Save with these discounts

Companies offering auto insurance do not list the complete list of policy discounts very well, so the list below contains some of the best known and the harder-to-find credits that may apply to you.

Resident Student – Children who are attending college and leave their car at home could get you a discount.
Anti-lock Brake System – Cars, trucks, and SUVs that have steering control and anti-lock brakes can avoid accidents so companies give up to a 10% discount.
Discount for Life Insurance – Select insurance carriers reward you with a discount if you purchase life insurance.
Anti-theft System – Cars and trucks optioned with advanced anti-theft systems are less likely to be stolen and will qualify for a discount on a .
Pay Early and Save – If you can afford to pay the entire bill rather than paying monthly you may have a lower total premium amount.

Just know that most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as liability, collision or medical payments. So when the math indicates you can get free auto insurance, companies don’t profit that way.

Popular auto insurance companies and a selection of discounts are outlined below.

Farmers Insurance policyholders can earn discounts including youthful driver, early shopping, homeowner, electronic funds transfer, alternative fuel, and good student.
State Farm offers premium reductions for multiple autos, student away at school, multiple policy, driver’s education, and defensive driving training.
Liberty Mutual offers discounts for safety features, new vehicle discount, exclusive group savings, multi-policy, hybrid vehicle, new move discount, and good student.
MetLife may offer discounts for claim-free, accident-free, defensive driver, multi-policy, good driver, good student
Progressive may include discounts for online quote discount, multi-vehicle, good student, multi-policy, continuous coverage, online signing, and homeowner.

When comparing rates, check with all companies you are considering what discounts are available to you. Some discounts listed above might not be offered in every state.

The Chevy Prizm Insurance Price Equation

The best way to find cheaper auto insurance is to take a look at the rating factors that help calculate auto insurance rates. When you understand what determines premiums, this helps enable you to make changes that can help you get better auto insurance rates. Many things are used in the calculation when premium rates are determined. A few of the factors are predictable like a motor vehicle report, although others are less obvious like your vehicle usage or your commute time. insurance banner

Marriage equates to better rates – Walking down the aisle can get you a discount on your auto insurance policy. It demonstrates that you tend to be more responsible and insurance companies reward insureds because being married results in fewer claims.
Lower rates with a multi-policy discount – Most auto insurance companies give discounts to buyers that have more than one policy such as combining an auto and homeowners policy. Even with this discount applied, it’s in your best interest to compare other company rates to help guarantee you have the best rates. It’s possible to still save money by buying auto insurance from a different company.
Rates increase with driving citations – Good drivers have lower premiums as compared to those with violations. Getting just one speeding ticket or other violation may cause rates to rise twenty percent or more. Drivers who have license-revoking violations like hit and run, DWI or reckless driving convictions may need to submit a SR-22 form to the state department of motor vehicles in order to prevent their license from being revoked.
Better auto insurance rates for continuous coverage – Going without insurance is a sure-fire way to bump up your auto insurance costs. And not only will your rates increase, not being able to provide proof of insurance could result in a steep fine or even jail time. You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
Drive lots and pay more – The more you drive your Chevy in a year the higher your rate. Most companies rate vehicles based on how the vehicle is used. Cars that sit idle most of the time qualify for better rates than vehicles that are driven to work every day. Double check that your auto insurance declarations sheet states the proper vehicle usage, because improper ratings can cost you money. Improper usage on your Prizm is throwing money out the window.

Auto insurance is available from your local insurance agencies

Some people just prefer to talk to a local agent and doing so can bring peace of mind One of the great benefits of getting online price quotes is that drivers can save money and get cheap auto insurance rates but still work with a licensed agent.

By using this form (opens in new window), your coverage information is instantly submitted to local insurance agents that provide for your coverage. It’s much easier because you don’t need to search for an agent because quoted prices will be sent directly to you. You can most likely find cheaper rates and an insurance agent to talk to. If for some reason you want to get a price quote for a specific company, don’t hesitate to jump over to their website and give them your coverage information.

Picking an company requires you to look at more than just a cheap price quote. The answers to these questions are important, too.

Can glass repairs be made at your home?
Do they assist clients in filing claims?
How many companies do they write for?
Do they see any coverage gaps in your plan?
Do they offer accident forgiveness?
How many years of experience in personal auto insurance do they have?
How long has the business existed?

When looking for a good insurance agent, there are two different types of agencies that you can select. Auto insurance agents can either be independent agents or captive agents depending on their employer.

Captive Auto Insurance Agents

Agents in the captive channel have only one company to place business with like Farmers Insurance and State Farm. Captives cannot place coverage with different providers so it’s a take it or leave it situation. They are well schooled on the products they sell and that enables them to sell even at higher rates. Some people will only buy from the same agent for years primarily because of the prominent brand name rather than low rates.

Independent Auto Insurance Agents

Independent insurance agents are normally appointed by many insurers and that is an advantage because they can write policies with lots of companies and get you the best rates possible. If they quote lower rates, your agent can just switch to a different company without you having to go to a different agency. When shopping rates, you will want to include rate quotes from multiple independent agents so that you have a good selection of quotes to compare. Many independent agencies also insure through different regional companies that many times have cheaper rates.

To select from agents near you, here is a link to find a neighborhood auto insurance agent.

Auto insurance can be complex

When buying coverage for your personal vehicles, there isn’t really a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For example, these questions might help in determining whether you will benefit from professional help.

When do I need to add a new car to my policy?
How many claims can I have before being cancelled?
Do I need PIP coverage since I have good health insurance?
When does my teenage driver need to be added to my policy?
Can I drive in Mexico and have coverage?
Do I have coverage when using my vehicle for my home business?
How high should my uninsured/underinsured coverage be in my state?
Does my personal auto insurance policy cover using my vehicle for business use?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed agent. If you don’t have a local agent, complete this form.

Do drivers who switch really save?

Big name companies like 21st Century, Allstate and State Farm regularly use ads in print and on television. They all seem to advertise the message that people will save if you get a free and switch your coverage. It sounds good, but how can they all give you a lower rate? It’s all in the wording.

Most companies quote the lowest rates for the type of driver that earns them a profit. For instance, a preferred risk might be described as between 25 and 40, has a clear driving record, and drives a car with an anti-theft system. Anyone who fits that profile will probably get cheap rates and will save if they switch.

Potential insureds who don’t qualify for these standards will be charged higher premiums with the end result being business going elsewhere. The wording the ads use say “people that switch” not “everybody who quotes” save that kind of money. That’s why companies can advertise the way they do. This really drives home the point why you really need to compare rate quotes every year. It is just not possible to predict the company that will provide the lowest rates.

Cheaper auto insurance is a realistic goal

We just showed you a lot of information how to shop for Chevy Prizm insurance online. The key thing to remember is the more rate comparisons you have, the better your comparison will be. Consumers could even find that the lowest premium rates come from a company that doesn’t do a lot of advertising.

Insureds switch companies for many reasons like unfair underwriting practices, being labeled a high risk driver, an unsatisfactory settlement offer and even delays in paying claims. Whatever your reason, finding the right auto insurance provider is not as difficult as it may seem.

When buying insurance coverage, it’s a bad idea to buy less coverage just to save a little money. There have been many situations where an insured dropped comprehensive coverage or liability limits to discover at claim time they didn’t purchase enough coverage. Your strategy should be to purchase plenty of coverage at an affordable rate and still be able to protect your assets.