How Much Does 2000 Chevrolet Prizm Insurance Cost?

Trying to find better insurance coverage rates for your Chevrolet Prizm? Being forced to pay for overpriced insurance coverage premiums can overdraw your personal savings and possibly require postponing other expenditures. Performing a rate comparison can save money and help to slash your bill and have more diposable income.

Online insurance companies like Geico, Farmers Insurance and State Farm increase brand awareness with catchy ads and consumers find it hard to see past the corporate glitz and do the work needed to find the best deal.

You need to do rate comparisons before your next renewal since insurance rates change regularly. Just because you found the best deal on Prizm insurance a few years ago the chances are good that you can find a lower price today. Block out anything you think you know about insurance coverage because I’m going to teach you how to quote online to remove unneeded coverages and save money.

How much is insurance coverage?

There are a lot of ways you can shop for insurance coverage but some are easier and takes less work. You can waste a lot of time driving to insurance companies in your area, or you could save time and use the internet for quick rates.

Many of the larger companies belong to an insurance system where prospective buyers submit their information once, and each company provides a quote for coverage. This saves time by eliminating repetitive form submissions to every company.

To use this form to compare rates click here (opens in new window).

The one disadvantage to getting quotes like this is that you can’t choose the companies to get pricing from. So if you prefer to pick specific providers to request quotes from, we have assembled a list of low cost insurance coverage companies in your area. Click here to view list.

You can use whichever method you prefer to find lower rates, just ensure you’re using the exact same coverages with each company. If you compare different limits and deductibles on each one then you won’t be able to make a fair comparison for your Chevy Prizm.

Discounts to earn cheaper auto insurance rates

Auto insurance is easily one of your largest bills, but you may find discounts to cut the cost considerably. Some trigger automatically at the time you complete a quote, but some need to be asked about prior to getting the savings.

Discount for Good Grades – Performing well in school may save as much as 25% on a insurance coverage quote. The good student discount can last well after school through age 25.
Homeowners Discount – Just being a homeowner may trigger a policy discount on auto insurance because of the fact that having a home demonstrates responsibility.
Discounts for Cautious Drivers – Insureds who avoid accidents can save as much as half off their rates on Prizm insurance than drivers with accident claims.
Accident Forgiveness Coverage – This one isn’t a discount, but some companies like State Farm and Progressive will forgive one accident without the usual rate increase with the catch being you have to be claim-free for a set time period.
Discount for Multiple Policies – If you combine your home and auto policies with one insurance company you may save as much as 10 to 15 percent.
ABS Brakes – Anti-lock brake equipped vehicles can stop better under adverse conditions and will save you 10% or more.
Military Rewards – Being deployed with a military unit could be rewarded with lower auto insurance rates.

Keep in mind that most credits do not apply to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Just because it seems like all the discounts add up to a free policy, auto insurance companies aren’t that generous.

Popular auto insurance companies and some of the premium reductions they offer can be read below.

Esurance has savings for emergency road assistance, Pac-12 alumni, homeowner, online quote, multi-car, paid-in-full, and DriveSense.
The Hartford offers discounts including bundle, defensive driver, anti-theft, good student, driver training, and vehicle fuel type.
AAA has discounts for good student, anti-theft, education and occupation, multi-policy, good driver, and multi-car.
Geico includes discounts for emergency military deployment, good student, seat belt use, defensive driver, and anti-theft.
State Farm policyholders can earn discounts including student away at school, safe vehicle, good student, multiple policy, Steer Clear safe driver discount, and good driver.

If you are trying to find cheaper insurance coverage quotes, ask every prospective company which discounts can lower your rates. Some credits might not be offered in your area. To find insurers that provide some of the discounts listed above, click here to view.

Tailor your car insurance coverage to you

When choosing adequate coverage, there is no “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions could help you determine if your situation would benefit from professional advice.

Should I carry comprehensive and collision coverage?
Is my teenager covered with friends in the car?
Does my insurance cover damage caused when ticketed for reckless driving?
Why am I be forced to buy a membership to get insurance from some companies?
Is my dog or cat covered if injured in an accident?
Can I afford low physical damage deductibles?
Does having multiple vehicles earn me a discount?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and can help protect your family.

Specific coverages for a Chevy Prizm

Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages available from car insurance companies.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Collision coverage

This will pay to fix damage to your Prizm from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with another moving vehicle, damaging your car on a curb and crashing into a ditch. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Auto liability insurance

Liability insurance can cover damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against claims such as legal defense fees, emergency aid, pain and suffering, funeral expenses and attorney fees. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance kick in for expenses such as funeral costs, doctor visits, chiropractic care, pain medications and EMT expenses. They can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as fire damage, hail damage, vandalism and damage from flooding. The highest 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 consider removing comprehensive coverage.