Cheaper 1999 Chevrolet Corvette Insurance Quotes

Think you have an overpriced auto insurance policy? It’s quite common and many consumers are in the same pinch. You have so many insurance companies to insure vehicles with, and although it’s nice to have a choice, it can be more challenging to find the lowest cost provider.

How to find low cost car insurance

Most companies make it easy to get pricing directly from their websites. Getting online quotes can be done by anyone because you just enter your coverage preferences into the form. After the form is submitted, their system collects your credit score and driving record and gives you a price quote based on these and other factors. This makes comparing rates easy, but the work required to visit different websites and enter the same data into a form gets old quite quickly. Unfortunately, it is important to have as many quotes as possible in order to find the lowest possible prices on car insurance.

An easier way to locate the lowest prices uses one simple form that gets price quotes from many companies. It saves time, helps eliminate reptitive entry, and makes online quotes a little more enjoyable. Immediately after you send the form, it is rated and you can choose any of the price quotes you receive.

If you find a better price you simply finish the application and buy the new coverage. The whole process can be completed in less than 10 minutes and you will know how your current rates stack up.

If you want to find out how much you’re overpaying now, click here to open in a new tab and begin entering your coverage information. If you have your current policy handy, we recommend you input the coverage information just like they are on your policy. Doing this assures you will have a fair comparison based on the exact same insurance coverage.

Will you really save $384 on auto insurance?

Consumers can’t get away from ads that claim the best prices from companies such as Progressive, Allstate and Geico. They all seem to make the same claim of big savings if you get a free auto insurance quote and switch your coverage to them.

How does every company offer you a better deal? This is the way they can do it.

Companies have specific guidelines for the type of driver that earns them a profit. A good example of a desirable insured could possibly be a mature driver, has had continuous coverage, and the vehicle is rated for pleasure use. Any customer who fits those characteristics will qualify for the lowest premium rates and will also save if they switch.

People who fall short of those criteria will have to pay higher premium rates which translates to the customer not purchasing. If you listen closely, the ads state “drivers who switch” but not “everyone who gets a quote” save the amount stated. That is how companies can advertise the way they do.

That is why you really need to compare as many free auto insurance quotes as you can. It is just not possible to predict which company will have the lowest rates.

Discounts can really help to save

Companies offering auto insurance do not list all possible discounts very well, so we researched a few of the more common in addition to some of the lesser obvious credits available to you.

  • First Accident Forgiveness – Not really a discount, but companies like Geico, Allstate and Liberty Mutual will turn a blind eye to one accident before raising your premiums if your claims history is clear prior to the accident.
  • Early Renewal Discounts – Some insurance companies provide a discount for buying a policy before your current expiration date. You could save around 10% when you buy auto insurance online.
  • Employee of Federal Government – Active or former government employment could qualify for a slight premium decrease on Corvette insurance depending on your company.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get a small discount on rates on Corvette insurance.
  • Anti-theft System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and will save you 10% or more.
  • Discount for Good Grades – This discount may save you up to 25%. This discount can apply up until you turn 25.
  • Drivers Education – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class if offered at their school.
  • Discount for Home Ownership – Owning your own home or condo can earn you a little savings because of the fact that having a home shows financial diligence.
  • Paperless Signup – A few larger online companies will provide an incentive for buying your policy on their website.

You can save money using discounts, but most discounts do not apply to the entire cost. Most only apply to specific coverage prices like liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

Companies and some of the premium reductions they offer are:

  • State Farm discounts include good student, multiple autos, driver’s education, multiple policy, and Drive Safe & Save.
  • Geico may have discounts that include seat belt use, membership and employees, military active duty, anti-lock brakes, multi-policy, federal employee, and anti-theft.
  • SAFECO has savings for anti-lock brakes, accident prevention training, homeowner, bundle discounts, teen safety rewards, teen safe driver, and multi-car.
  • Farmers Insurance policyholders can earn discounts including multi-car, youthful driver, alternative fuel, business and professional, and switch companies.
  • AAA has discounts for AAA membership discount, good driver, anti-theft, pay-in-full, and education and occupation.
  • USAA offers premium reductions for multi-vehicle, safe driver, defensive driver, family discount, and good student.

When quoting, ask every prospective company to give you their best rates. All car insurance discounts might not be offered on policies in your state. If you would like to see a list of auto insurance companies who offer cheap auto insurance quotes, click here to view.

Will just any policy work for me?

When it comes to buying adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different so this has to be addressed. For example, these questions might help in determining whether or not you will benefit from professional help.

  • At what point should I drop full coverage?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What are the financial responsibility laws in my state?
  • Does my insurance cover my expensive audio equipment?
  • How high should my uninsured/underinsured coverage be in my state?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It’s fast, free and can provide invaluable advice.

Insurance coverages explained

Understanding the coverages of insurance helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages offered by insurance companies.

Coverage for uninsured or underinsured drivers

This coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your Chevy Corvette.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like rock chips in glass, damage from a tornado or hurricane, hail damage, damage from getting keyed and falling objects. The highest amount a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for chiropractic care, surgery and rehabilitation expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage protection

Collision coverage pays for damage to your Corvette resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as rolling your car, colliding with another moving vehicle, colliding with a tree, sideswiping another vehicle and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to choose a higher deductible to bring the cost down.

Liability car insurance

This coverage protects you from damage or injury you incur to a person or their property by causing an accident. This coverage protects you against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like pain and suffering, structural damage, bail bonds and medical services. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Buy online or local, you save

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. There have been many situations where drivers have reduced collision coverage to discover at claim time they didn’t have enough coverage. The goal is to purchase a proper amount of coverage for the lowest cost, but do not skimp to save money.

Throughout this article, we presented a lot of techniques to get a better price on 1999 Chevy Corvette insurance. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers may even find the best price on auto insurance is with some of the smallest insurance companies. Smaller companies may only write in your state and offer lower car insurance rates than their larger competitors like State Farm or Progressive.

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