Compare 1998 Chevrolet Metro Car Insurance Quotes

Want the cheapest auto insurance rates? Drivers have a choice when trying to find affordable Chevy Metro insurance. They can either spend hours calling around trying to get quotes or use the internet to compare rates. There is a better way to find auto insurance online and you need to know the proper way to price shop coverage on a Chevy and find the lowest price from local insurance agents and online providers.

Choosing the best insurance company for you is not that difficult. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using this strategy. Vehicle owners only need to know the proper way to get comparison quotes online.

Discounts for lower-cost insurance coverage rates

Auto insurance companies don’t always advertise all possible discounts very well, so the following list contains both well-publicized and also the more inconspicuous discounts you could be receiving when you buy car insurance online.

  • Good Students Pay Less – This discount may save as much as 25% on a car insurance quote. Earning this discount can benefit you well after school through age 25.
  • Discounts for Multiple Vehicles – Drivers who insure multiple cars on one policy can reduce rates for all insured vehicles.
  • Passive Restraint Discount – Factory options such as air bags or automatic seat belts may qualify for discounts of 25 to 30%.
  • Low Mileage – Low annual miles may allow you to get lower premium rates due to less chance of an accident.
  • Drive Safe and Save – Accident-free drivers can save up to 40% or more on their car insurance quote for Metro coverage compared to accident prone drivers.
  • Driver’s Ed – Teen drivers should sucessfully take a drivers education course as it can save substantially.

Don’t be surprised that some of the credits will not apply to the entire cost. Some only apply to individual premiums such as comprehensive or collision. If you do the math and it seems like adding up those discounts means a free policy, it’s just not the way it works.

If you would like to view insurance companies who offer free insurance coverage quotes, click this link.

First Step: Get free auto insurance quotes

Finding a better price on auto insurance is an easy way to save money. All you need to do is take a couple of minutes comparing rates online with multiple companies. This can be accomplished using a couple different methods.

If you are pressed for time, the simplest way to get quotes is an all-inclusive rate comparison click here to open form in new window. This easy form saves time by eliminating repetitive form entry for every company. Taking the time to complete one form will return price quotes from multiple companies. It’s the fastest way to compare.

A harder way to obtain and compare quotes online consists of going to each individual company website and get a separate price quote. For sake of this example, let’s say you want rates from Progressive, 21st Century and GMAC. To find out each rate you need to spend time going to each site individually and repeatedly enter your information, which is why the first method is quicker.

For a handy list of car insurance company links in your area, click here.

The final way to get comparison rates is going to different agent offices. Comparing rates online eliminates the middleman unless you’re the type of person who wants the trained guidance that you can only get from talking to an agent. However, consumers can obtain prices from the web but have your policy serviced through an agent.

It’s up to you which method you use, but be certain you are entering exactly the same information with every price quote. If you use different limits and deductibles on each one it’s impossible to decipher which rate is best.

How your Metro insurance rates are determined

The best way to find cheaper car insurance is to take a look at the factors that come into play when calculating your car insurance rates. When consumers understand what controls the rates you pay, this allows you to make good choices that can earn you better car insurance rates.

The factors shown below are some of the most rate-impacting factors used by companies to determine your rate level.

  • Pay more of a claim out-of-pocket – Insurance for physical damage to your car, also called ‘full coverage’, helps pay for damage to your vehicle. Some examples of claims that would be covered are a windshield shattered by a rock, flood damage, and damage caused by flying debris. The deductibles you choose are the amount of money the insured will be required to pay if the claim is covered. The larger the amount the insured is willing to pay, the bigger discount you will receive for Metro coverage.
  • Guys pay more for car insurance – Over the last 30 years, statistics show that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Females and males cause auto accidents in similar percentages, but men tend to have higher claims. Men also tend to get more serious tickets like DUI and reckless driving.
  • Excellent credit saves on car insurance – Having a bad credit score factor in calculating your car insurance rates. Insureds that have very high credit ratings tend to be better drivers and file fewer claims than drivers with poor credit. So if your credit score is low, you may save money insuring your 1998 Chevrolet Metro by improving your rating.
  • Only buy what you need – There are a lot of add-on coverages that can add up but may not be useful. Insurance for rental car reimbursement, death and dismemberment, and term life insurance are probably not needed. These may sound like a good investment when talking to your agent, but if you’ve never needed them in the past eliminate them to save money.
  • Lower premiums with uninterrupted coverage – Driving without insurance is against the law and companies may charge more for letting your coverage have a gap. And not only will your rates increase, failure to provide proof of insurance might get you a hefty fine and possibly a revoked license. You could then be forced to file a SR-22 with your state DMV.
  • Annual mileage and car insurance premiums – Driving more miles in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars determined by how the vehicle is used. Vehicles that sit idle most of the time receive better premium rates compared to those used for work or business. Incorrect rating for your Metro can cost quite a bit. It’s always a good idea to double check that your declarations sheet correctly shows the correct usage.

You may need specialized auto insurance coverage

When it comes to buying the best auto insurance coverage for your vehicles, there really is not a perfect coverage plan. Each situation is unique.

These are some specific questions may help highlight if your insurance needs would benefit from an agent’s advice.

  • What if I owe more than I can insure my car for?
  • Do I need an umbrella policy?
  • If my 1998 Chevy Metro is totaled, can I afford another vehicle?
  • When can my company non-renew my policy?
  • Am I covered when pulling a rental trailer?
  • What is the minimum liability in my state?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Auto insurance coverages and their meanings

Learning about specific coverages of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Liability coverages

This protects you from injuries or damage you cause to a person or their property. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property.

Liability insurance covers claims like bail bonds, court costs, medical expenses, funeral expenses and legal defense fees. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as doctor visits, prosthetic devices and chiropractic care. The coverages can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

Collision insurance pays to fix your vehicle from damage caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like colliding with a tree, hitting a mailbox, crashing into a building and scraping a guard rail. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive auto insurance

This covers damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, theft, hitting a bird and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your Chevy Metro.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Cheaper insurance is a realistic goal

Cheap 1998 Chevy Metro insurance is available both online and also from your neighborhood agents, so you need to shop car insurance with both to have the best selection. A few companies do not offer rates over the internet and most of the time these small insurance companies only sell through independent agents.

As you quote car insurance, it’s a bad idea to reduce coverage to reduce premium. There have been many cases where an insured dropped comprehensive coverage or liability limits only to find out that they should have had better coverage. Your aim should be to buy a smart amount of coverage for the lowest price, but don’t skip important coverages to save money.

People leave their current company for a variety of reasons including lack of trust in their agent, delays in responding to claim requests, not issuing a premium refund and extreme rates for teen drivers. It doesn’t matter why you want to switch finding a great new company is less work than it seems.

More detailed car insurance information is located by following these links: