1997 Chevrolet Corvette Car Insurance Rates

Drivers have a choice when trying to find the best price on Chevy Corvette insurance. You can either waste hours contacting agents trying to get quotes or use the internet to get rate quotes.

There is a better way to shop for car insurance and you need to know the quickest way to quote coverages for a Chevy and find the cheapest rates from local insurance agents and online providers.

The purpose of this post is to introduce you to how car insurance quotes work and some tips to save money. If you have car insurance now, you will be able to save some money using these tips. Consumers just need to know the proper methods to compare prices online.

Finding insurance

There are several ways to shop for insurance, but some are easier and takes less work. You could spend the better part of a day driving to local insurance agents in your area, or you can utilize the internet to get rates in a matter of minutes.

Many popular insurance companies enroll in a system that enables customers to send in one quote, and every company then gives them pricing based on that information. This prevents consumers from doing quotation requests to every company. To compare rates using this form now click here to open in new window.

The only drawback to pricing coverage this way is buyers cannot specifically choose which carriers you will receive quotes from. So if you prefer to choose individual companies to compare, we put together a list of companies who write insurance in your area. View list of insurance companies.

You can choose any of those ways to find more affodable coverage, but ensure you’re using apples-to-apples coverages for each price quote. If you enter different liability limits it will be nearly impossible to determine which company has the best rates.

Tailor your insurance coverage to you

When it comes to choosing adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Everyone’s situation is a little different.

These are some specific questions might point out whether your personal situation might need an agent’s assistance.

  • What should my uninsured motorist coverage limits be in my state?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my nanny covered when driving my vehicle?
  • Am I covered by my spouse’s policy after a separation?
  • What is high-risk coverage and where do I buy it?
  • Is my teen driver covered when they drive my company car?
  • What discounts do I qualify for?
  • Can I still get insurance after a DUI?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Auto insurance specifics

Understanding the coverages of your auto insurance policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Comprehensive coverages – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, vandalism, hitting a deer, rock chips in glass and theft. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for expenses like ambulance fees, surgery and chiropractic care. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Liability coverages – This will cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as bail bonds, structural damage, repair costs for stationary objects and medical expenses. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage – This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your Chevy Corvette.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Collision – This coverage pays for damage to your Corvette caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for things such as colliding with another moving vehicle, scraping a guard rail, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.