1999 Chevrolet Metro Insurance Quotes – 6 Policy Discounts

Finding better insurance prices for a Chevy Metro could be a lot of work, but you can follow these tips to find lower rates. There is a right way and a wrong way to buy insurance and we’ll show you the absolute fastest way to get price quotes for a Chevy and obtain the best price possible.

Finding the best rates is not rocket science. If you have a current car insurance policy or need new coverage, you can learn to find better prices and still get good coverage. Consumers just need to know the proper methods to shop their coverage around on the web.

Insurance policy discounts you can’t miss

Insurance is not an enjoyable expense, but there’s a good chance there are discounts that could drop your premiums quite a bit. Many discounts should be triggered when you get a quote, but some must be manually applied before being credited. If you do not check that you are getting every discount available, you could be getting lower rates.

  • Renewal Discounts – Some companies give discounts for switching companies before your current coverage expires. You may see this discount when you get insurance quotes online.
  • Student in College – Older children who are attending college and do not have access to a covered vehicle may be able to be covered for less.
  • Claim Free – Drivers who don’t have accidents get the best insurance rates when compared with frequent claim filers.
  • Auto/Home Discount – If you have multiple policies with the same insurance company you could get a discount of as much as 10 to 15 percent.
  • Full Payment Discount – By paying your entire bill at once instead of paying each month you could save 5% or more.
  • Smart Student Discounts – Being a good student may save as much as 25% on a insurance quote. You can use this discount normally up until you turn 25.

A quick disclaimer, some credits don’t apply to the overall cost of the policy. Some only apply to individual premiums such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Companies that may include most of the discounts above include:

When comparing rates, check with every company to give you their best rates. Savings might not be available to policyholders in your area. For a list of insurance companies that can offer you the previously mentioned discounts, follow this link.

Brand name doesn’t guarantee savings

Drivers can’t get away from all the ads that claim the cheapest rates by Geico, State Farm and Progressive. They all make the same claim that drivers will save a bundle if you change your insurance coverage to their company.

How does every company cost less than your current company? This is the way they can do it.

Insurance providers have strict underwriting profiles for the type of customer that will not have excessive claims. A good example of a profitable risk profile might be a married male, has no driving citations, and drives less than 5,000 miles a year. Any driver that fits those parameters will get very good prices and therefore will save a lot if they switch.

Insureds who are not a match for these stringent criteria may be forced to pay higher premiums which leads to business going elsewhere. The trick is to say “customers who switch” but not “all drivers who get quotes” save that much. That is how companies can truthfully advertise the savings. Each company has different criteria, so drivers must compare quotes as often as possible. It is impossible to guess which insurance company will give you lower prices than your current company.

Insurance agents can help

When buying the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Each situation is unique.

For example, these questions might point out whether your personal situation could use an agent’s help.

  • How much liability coverage do I need in my state?
  • Do I need medical payments coverage since I have good health insurance?
  • If I drive on a suspended license am I covered?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is my state a no-fault state?
  • Do I need PIP (personal injury protection) coverage in my state?
  • If my 1999 Chevy Metro is totaled, can I afford another vehicle?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Insurance coverages and their meanings

Understanding the coverages of your insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Collision – This coverage pays for damage to your Metro caused by 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 hitting a mailbox, hitting a parking meter and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Comprehensive insurance – This pays for 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 damage from flooding, a broken windshield and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include injuries to you and your family and damage to your Chevy Metro.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto liability insurance – Liability coverage protects you from damage or injury you incur to other people or property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like court costs, loss of income and attorney fees. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Coverage for medical expenses – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like nursing services, pain medications, funeral costs and hospital visits. They are often utilized in addition to your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Compare but don’t skimp

When searching for low cost insurance quotes, make sure you don’t sacrifice coverage to reduce premiums. In many cases, an insured cut comprehensive coverage or liability limits only to regret that it was a big mistake. The ultimate goal is to buy enough coverage at the best price while still protecting your assets.

Insureds switch companies for many reasons like lack of trust in their agent, delays in responding to claim requests, high prices or poor customer service. Regardless of your reason, choosing a new insurance company can be pretty painless.

You just learned a lot of ways to get a better price on 1999 Chevy Metro insurance. The most important thing to understand is the more quotes you get, the better likelihood of getting cheaper insurance. Consumers may even find the most savings is with some of the smallest insurance companies.

Additional car insurance information is available on the following sites: