View 1993 Chevrolet Beretta Insurance Quotes

I can’t think of a single person who rejoices having to buy insurance coverage, especially knowing they could find lower prices if they just compared rates.

Insurance companies such as State Farm and Geico persitently shower you with ad campaigns and it can be hard to see past the geckos and flying pigs and take the time to shop coverage around.

How to get car insurance quotes

Comparing car insurance rates can be a lot of work if you don’t understand the best way to get rate quotes. You can waste a lot of time driving to local insurance agents in your area, or you could use the internet to get rates in a matter of minutes.

All the larger companies belong to a marketplace that allows shoppers to only type in their quote data once, and each participating company provides a quote for coverage. This prevents consumers from doing quotation requests for each company.

To compare rates using this form now click to open in new window.

The only downside to using this type of form is you can’t choose the insurers you want to price. So if you prefer to pick specific insurance companies to request quotes from, we have assembled a list of low cost car insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using exactly the same coverage limits and deductibles on every price quote you get. If each company quotes different deductibles it will be nearly impossible to truly determine the lowest rate. Just a small difference in coverages can result in a big premium difference. And when quoting car insurance, remember that making a lot of price comparisons will enable you to find a lower rate than you’re paying now.

Can you really save that much by switching?

Auto insurance providers like Progressive, Allstate and Geico constantly bombard you with television and radio advertisements. They all make the point that people will save just by switching to their company. How does every auto insurance company claim to save you money? You have to listen carefully.

All the different companies look for specific characteristics for the type of customer that will add to their bottom line. A good example of this type of driver may be between the ages of 40 and 55, has a clear driving record, and has a short commute. A customer getting a price quote that hits that “sweet spot” will qualify for the lowest car insurance rates and will also save some money.

People who don’t qualify for these standards may be forced to pay higher prices which usually ends up with the prospect going elsewhere. If you listen closely, the ads state “drivers that switch” not “everyone that quotes” save that kind of money. This is how companies can make those statements. This really emphasizes why drivers should compare rate quotes every year. It’s impossible to know which auto insurance company will be your best fit.

You can change your insurance prices

A large part of saving on insurance is knowing the factors that come into play when calculating your insurance rates. If you know what influences your rates, this allows you to make good choices that can help you get lower rates.

The itemized list below are a partial list of the pieces used by companies to determine prices.

  • If you don’t need it don’t buy it – Insurance policies have a lot of extra bells and whistles you can purchase if you aren’t diligent. Coverages for coverage for rental cars, better glass coverage, and motor club memberships are probably not needed. You may think they are a good idea when deciding what coverages you need, but if you have no use for them remove them and pocket the money.
  • Certain jobs pay higher rates – Do you work in a high-stress field? Occupational choices like fire fightersairline pilots and dentists are shown to have higher premium rates attributed to intense work situations and lots of time spent at work. Conversely, careers such as professors, historians and the unemployed pay the least on Beretta coverage.
  • Better insurance rates on safer cars – Vehicles that have high safety ratings tend to be cheaper to insure. The safest vehicles result in less severe injuries and better occupant protection means less money paid by your insurance company which can mean better rates for you. If the Chevy Beretta is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may be receiving a better rate.
  • Big cities mean more claims – Residing in small towns and rural areas may provide you with better prices when insuring your vehicles. Fewer drivers corresponds to lower accident rates as well as less vandalism and auto theft. People who live in big cities have to deal with more road rage incidents and longer commutes to work. Spending more time driving means a statistically higher chance of an accident.

More discounts mean cheaper premiums

Buying auto insurance is not cheap, but you may qualify for discounts that could drop your premiums quite a bit. Some trigger automatically when you complete an application, but once in a while a discount must be specifically requested in order for you to get them.

  • Passive Restraint Discount – Vehicles with factory air bags can qualify for discounts of more than 20%.
  • Savings for New Vehicles – Buying coverage on a new vehicle can get you a discount because new vehicles have to meet stringent safety requirements.
  • Good Driver Discount – Drivers without accidents can save up to 40% or more on their insurance quote on Beretta coverage than drivers with accident claims.
  • Fewer Miles Equal More Savings – Low mileage vehicles could qualify for lower prices on the low mileage vehicles.
  • Paperwork-free – A handful of insurance companies may give you up to $50 for completing your application online.
  • Telematics Discount – People who choose to allow driving data collection to study driving manner by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they have good driving habits.
  • Good Students Pay Less – This discount could provide a savings of up to 20% or more. Many companies even apply the discount to college students up to age 25.
  • Driver Education Discount – Have your child take driver’s ed class in school or through a local driver safety program.
  • First Accident Forgiveness – but companies like Progressive, Allstate, and Liberty Mutual will let one accident slide before they charge you more for coverage as long as you don’t have any claims for a certain period of time.
  • Senior Citizen Rates – If you qualify as a senior citizen, you may be able to get a slight reduction on a insurance quote on Beretta coverage.

It’s important to note that most discounts do not apply to all coverage premiums. Most only cut individual premiums such as liability and collision coverage. Just because it seems like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.

Large auto insurance companies and a summarized list of policyholder discounts include:

  • Geico offers discounts for multi-vehicle, anti-theft, anti-lock brakes, daytime running lights, good student, and seat belt use.
  • USAA offers premium reductions for annual mileage, loyalty savings, multi-policy, good student, vehicle storage, multi-vehicle, and safe driver.
  • Progressive discounts include multi-policy, multi-vehicle, good student, continuous coverage, online quote discount, and homeowner.
  • American Family has savings for multi-vehicle, mySafetyValet, early bird, defensive driver, and Steer into Savings.
  • Esurance has discounts for safety device, emergency road assistance, multi-car, paid-in-full, defensive driver, homeowner, and anti-theft.
  • Farmers Insurance policyholders can earn discounts including early shopping, good student, business and professional, alternative fuel, mature driver, and switch companies.
  • State Farm may include discounts for safe vehicle, driver’s education, accident-free, Drive Safe & Save, good student, and anti-theft.

If you need lower rates, check with each company how many discounts you can get. All car insurance discounts may not be offered in your area. To view insurance companies that offer some of these discounts, click here to view.

It’s not one size fits all

When choosing adequate coverage for your personal vehicles, there really is no best way to insure your cars. Every insured’s situation is different so your insurance needs to address that. For example, these questions may help highlight if your insurance needs would benefit from professional advice.

  • Can I still get insurance after a DUI?
  • What companies insure drivers after a DUI or DWI?
  • Which companies will insure high-risk drivers?
  • When can my company non-renew my policy?
  • Can I afford low physical damage deductibles?
  • Do all my vehicles need collision coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • When would I need additional glass coverage?
  • Can my teen driver be rated on a liability-only vehicle?

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. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Information about specific coverages

Having a good grasp of your policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages available from insurance companies.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like prosthetic devices, hospital visits, funeral costs, rehabilitation expenses and ambulance fees. They are used in conjunction with a health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Auto liability – Liability insurance protects you from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for claims such as court costs, pain and suffering, funeral expenses and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but buy as large an amount as possible.

Collision coverages – This pays for damage to your Beretta from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, sideswiping another vehicle, hitting a mailbox, hitting a parking meter and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like theft, damage from getting keyed and a broken windshield. The maximum payout a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection when other motorists do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

One last thing about your coverage

You just learned a lot of ways to compare 1993 Chevy Beretta insurance prices online. It’s most important to understand that the more companies you get rates for, the higher the chance of saving money. Consumers may even find the best price on insurance coverage is with a company that doesn’t do a lot of advertising. Regional companies can often insure niche markets at a lower cost as compared to the big name companies such as State Farm, Geico and Nationwide.

The cheapest 1993 Chevy Beretta insurance can be bought from both online companies in addition to local insurance agencies, and you should compare rates from both to have the best selection. There are still a few companies who do not offer the ability to get quotes online and usually these regional carriers work with local independent agents.

More detailed insurance coverage information can be found at these sites: