1993 Chevrolet Corsica Insurance Rates – 5 Ways to Save

Looking for better car insurance rates for your Chevrolet Corsica? Shopping for the most affordable car insurance might appear impossible for consumers not familiar with comparing prices on the web. With more and more insurance companies available, how can consumers effectively compare each option to find lower car insurance premiums?

It’s a great practice to quote other rates occasionally because rates go up and down regularly. Even if you got the lowest rate for Corsica coverage a couple years back there is a good chance you can find better prices now. Ignore everything you know about car insurance because we’re going to demonstrate the best way to reduce your cost while improving coverage.

These five discounts can lower your car insurance quotes

Companies do not advertise every available discount very well, so the next list breaks down both the well known and also the more inconspicuous discounts that may be available. If they aren’t giving you every credit you qualify for, you’re just leaving money on the table.

  • Distant Student Discount – Kids who are enrolled in higher education away from home and don’t have a car can receive lower rates.
  • Early Signing – A few larger companies give discounts for switching companies prior to your current policy expiration. It’s a savings of about 10%.
  • Multi-policy Discount – If you can combine your home and auto policy with the same insurance company you could save nearly 15% which can help you find affordable auto insurance.
  • Pay Now and Pay Less – If you pay your bill all at once as opposed to paying monthly you can avoid the installment charge.
  • One Accident Forgiven – This one is not really a discount per se, but companies like State Farm and Allstate allow you one accident before your rates go up if you are claim-free before the accident.

Don’t be shocked that most credits do not apply the the whole policy. Some only apply to individual premiums such as liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, company stockholders wouldn’t be very happy. Any qualifying discounts should definitely cut the amount you pay for coverage.

The best car insurance companies and their offered discounts are shown below.

  • Travelers discounts include early quote, payment discounts, continuous insurance, multi-policy, good student, and new car.
  • 21st Century policyholders can earn discounts including anti-lock brakes, homeowners, student driver, teen driver, and driver training.
  • State Farm includes discounts for driver’s education, accident-free, multiple autos, Steer Clear safe driver discount, and defensive driving training.
  • Geico may have discounts that include driver training, emergency military deployment, anti-theft, multi-policy, and federal employee.
  • SAFECO may include discounts for accident prevention training, anti-theft, anti-lock brakes, safe driver, homeowner, and teen safe driver.
  • AAA offers premium reductions for AAA membership discount, multi-car, multi-policy, anti-theft, good student, and pay-in-full.

Check with each company or agent which credits you are entitled to. A few discounts might not be offered on policies in your area. To locate companies that can offer you the previously mentioned discounts, click here to view.

How to buy auto insurance online

When shopping for cheaper auto insurance quotes, there are a couple of ways to compare quotes from auto insurance companies in your area. The fastest way to compare rates is to get quotes online. It’s really quite simple and can be done in a couple minutes as outlined below.

  1. The recommended way to get quotes for comparison is an all-inclusive rate comparison like this one (opens in new window). This method saves time by eliminating repetitive form submissions for each company you want a rate for. Completing one form will return price quotes instantly. This is perfect if you don’t have a lot of time.
  2. Another way to obtain and compare quotes online consists of going to each company’s website to request a price quote. For examples sake, we’ll assume you want to compare prices for Farmers, Esurance and American Family. In order to get each rate, you would have to take the time to go to each site and punch in your information repeatedly, and that explains why we recommend the first method.

    For a list of links to companies insuring cars in your area, click here.

You can use whichever method you prefer to find lower rates, just do your best to enter nearly identical coverages with every price quote. If you compare mixed coverages then you won’t be able to truly determine the lowest rate. Having just a slight variation in coverages may result in large price differences. And when price shopping your coverage, comparing a wide range of rates helps increase your odds of locating a lower rate than you’re paying now. Some companies don’t provide online rate quotes, so it’s recommended that you also compare rates from them as well.

Different people need different auto insurance coverages

When choosing coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining if your situation will benefit from professional help.

  • Am I insured when driving a different vehicle?
  • Do I need replacement cost coverage on my 1993 Chevy Corsica?
  • Does my policy cover my teen driver if they drive my company car?
  • What is PIP insurance?
  • Should I sign the liability waiver when renting a car?
  • When can I cancel my policy?
  • Where can I get insurance after a DUI in my state?
  • What if I don’t agree with a claim settlement offer?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance in the media

Well-known auto insurance companies like State Farm and Allstate regularly use television, radio, and online ads. They all say the same thing that drivers can save some big amount just by moving your policy. That’s great but how can every company have lower policy pricing? It’s all in the wording.

Companies have underwriting criteria for the type of customer that is profitable for them. For example, a desirable insured might have to be a mature driver, owns their home, and drives a car with an anti-theft system. A customer who meets those qualifications will most likely get cheap prices and will save quite a bit of money when switching.

Drivers who fall short of those criteria will get higher rates with the end result being business going elsewhere. The ads state “customers who switch” but not “everyone who gets a quote” save that much money. That’s why insurance companies can claim big savings. Because every company is different, you absolutely need to do a price quote comparison at every renewal. Because without a comparison, you cannot know which auto insurance company will give you the biggest savings.

Parts of your auto insurance policy

Knowing the specifics of your auto insurance policy aids in choosing the best coverages for your vehicles. Policy terminology can be ambiguous and reading a policy is terribly boring.

Coverage for liability – This coverage provides protection from damage that occurs to other people or property. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims like court costs, legal defense fees, medical services and funeral expenses. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Comprehensive or Other Than Collision – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like vandalism, hail damage, falling objects, a tree branch falling on your vehicle and hitting a bird. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision coverage – This coverage pays for damage to your Corsica resulting from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a mailbox, sustaining damage from a pot hole and scraping a guard rail. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage – Your UM/UIM coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for expenses such as chiropractic care, hospital visits, ambulance fees, doctor visits and prosthetic devices. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. It covers you and your occupants and also covers getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

More quotes. Lower rates.

When buying insurance coverage, you should never sacrifice coverage to reduce premiums. There have been many cases where an insured dropped comprehensive coverage or liability limits only to regret at claim time that it was a big error on their part. Your focus should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

Insureds change insurance companies for a variety of reasons including delays in responding to claim requests, extreme rates for teen drivers, high rates after DUI convictions and an unsatisfactory settlement offer. Regardless of your reason, finding a new company is less work than it seems.

We just showed you some good ideas how to reduce 1993 Chevy Corsica insurance premium rates online. The key thing to remember is the more companies you get prices for, the higher your chance of finding affordable auto insurance. You may even find the best price on insurance coverage is with a smaller regional carrier.

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