2009 Chevrolet Corvette Car Insurance Quotes

Are you confused by the dozens of insurance coverage companies? drivers have so many companies to choose from that it can easily become a burden to find the lowest price.

It’s a good habit to compare prices at least once a year because insurance prices are usually higher with each renewal. Just because you had the best deal on Corvette insurance on your last policy you can probably find a lower rate today. Forget all the misinformation about insurance coverage because we’re going to show you one of the quickest ways to save money, get proper coverage and the best rates.

The most recommended method to compare insurance rates in your area is to understand all the major auto insurance companies will pay a fee to compare rate quotes. To begin a comparison, all you need to do is give the companies some data including if you have an active license, any included safety features, how much school you completed, and how your vehicles are used. The rating information is instantly provided to multiple companies and you receive quotes almost instantly.

Get affordable car insurance quotes with discounts

Insurance can cost an arm and a leg, but discounts can save money and there are some available that can drop the cost substantially. Most are applied when you quote, but less common discounts must be inquired about before you get the savings.

• Senior Citizen Discount – If you’re over the age of 55, you may receive a small discount on rates on Corvette insurance.
• Good Grades Discount – Performing well in school may save you up to 25%. Earning this discount can benefit you until age 25.
• Driver’s Ed – Require your teen driver to take driver’s ed class as it will make them better drivers and lower rates.
• Professional Memberships – Joining a civic or occupational organization can get you a small discount on your bill.
• Claim Free – Drivers who don’t have accidents pay less compared to drivers with a long claim history.
• Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle up can save up to 15% off the personal injury premium cost.
• Multiple Vehicles – Purchasing coverage when you have more than one vehicle with the same car insurance company can get a discount on all vehicles.
• Early Signing – Some companies provide a discount for renewing your policy before your current policy expires. You could save around 10% when you buy car insurance online.
• Good Driver Discount – Insureds without accidents could pay up to 40% less on Corvette insurance compared to rates paid by drivers with frequent claims.
• Accident Forgiveness Coverage – Not a discount per se, but a few companies such as Liberty Mutual and Geico will forgive one accident before raising your premiums so long as you haven’t had any claims before the accident.

As a disclaimer on discounts, most credits do not apply to the entire policy premium. Some only reduce individual premiums such as comprehensive or collision. Just because it seems like having all the discounts means you get insurance for free, companies don’t profit that way.

A list of companies and a selection of discounts are:

• State Farm may offer discounts for Steer Clear safe driver discount, safe vehicle, good driver, anti-theft, and defensive driving training.
• American Family offers premium reductions for TimeAway discount, air bags, early bird, multi-vehicle, and Steer into Savings.
• AAA policyholders can earn discounts including anti-theft, multi-car, multi-policy, AAA membership discount, good student, pay-in-full, and education and occupation.
• Geico offers discounts for military active duty, multi-vehicle, air bags, daytime running lights, anti-lock brakes, driver training, and emergency military deployment.
• Mercury Insurance may have discounts that include annual mileage, age of vehicle, accident-free, type of vehicle, low natural disaster claims, good student, and ease of repair.
• Farmers Insurance may include discounts for good student, bundle discounts, homeowner, alternative fuel, business and professional, and teen driver.
• Progressive offers discounts including multi-policy, continuous coverage, good student, online signing, and online quote discount.

Check with all companies you are considering what discounts are available to you. Some credits might not be offered in your area. To view insurance companies who offer cheap car insurance quotes, click this link.

Tailor your car insurance coverage to you

When choosing proper insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine whether your personal situation might need an agent’s assistance.

• Do I have newly-aquired coverage?
• Does coverage extend to a rental car in a foreign country?
• Am I better off with higher deductibles on my 2009 Chevy Corvette?
• How can I get my company to pay me more for my totalled car?
• Exactly who is provided coverage by my policy?
• Are my friends covered when driving my 2009 Chevy Corvette?
• Am I covered if my car is in a flood?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form.

Specifics of your insurance policy

Knowing the specifics of a insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from flooding, rock chips in glass, theft, hitting a bird and vandalism. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Chevy Corvette.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time the UM/UIM limits do not exceed the liability coverage limits.

Medical expense insurance – Med pay and PIP coverage reimburse you for short-term medical expenses like ambulance fees, surgery, nursing services, EMT expenses and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Collision coverages – This pays for damage to your Corvette resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, crashing into a ditch, driving through your garage door, colliding with another moving vehicle and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Liability coverage – This protects you from damage that occurs to a person or their property. This insurance protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like pain and suffering, repair bills for other people’s vehicles, loss of income, medical expenses and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.