2013 Chevrolet Corvette Insurance Quotes

High-priced auto insurance can bottom out your accounts and force you to tighten up your finances. Getting a rate comparison is a smart way to ensure you are getting the best deal.

Since you have so many insurance companies to choose from, it can be diffult for drivers to locate the right insurance company.

How to get affordable auto insurance

There are a variety of methods you can shop for auto insurance and some are less time-consuming than others. You can waste a few hours (or days) talking to insurance agencies in your area, or you can utilize the web to get prices fast.

Most car insurance companies are enrolled in a marketplace that enables customers to submit one quote, and each participating company returns a rated price. This system prevents you from having to do quotation requests for every auto insurance company.

To submit your quote information now, click here to open in new window.

The one downside to doing it this way is you cannot specify the providers to receive prices from. If you prefer to choose specific insurance companies to compare prices, we have assembled a list of the cheapest auto insurance companies in your area. View list of insurance companies.

You can use whichever method you prefer to find lower rates, just double check that you are using the same quote data for each comparison quote. If you use different liability limits you can’t possibly make an equal comparison. Just a small difference in insurance coverages or limits can make a big difference in price. It’s important to know that having more price comparisons will increase your chances of finding better pricing.

More discounts mean affordable premiums

Companies don’t always advertise all available discounts very well, so we took the time to find some of the more common in addition to some of the lesser obvious credits that may apply to you.

Auto/Life Discount – Some insurance companies give a discount if you purchase some life insurance in addition to your auto policy.
Passive Restraint Discount – Vehicles equipped with air bags may qualify for discounts up to 30%.
Theft Prevention System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and therefore earn up to a 10% discount.
Low Miles Discount – Low mileage vehicles could be rewarded with better rates on cars that stay parked.
Good Grades Discount – Maintaining excellent grades can save 20 to 25%. You can use this discount normally up to age 25.
Discount for Swiching Early – Some companies reward drivers for switching companies before your current coverage expires. Ten percent is about the average savings.
Driver’s Ed – It’s a good idea to have your young drivers successfully complete driver’s ed class in school.
Multi-Vehicle Discounts – Buying a policy with more than one vehicle on one policy can reduce rates for all insured vehicles.

Please keep in mind that some credits don’t apply to the overall cost of the policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Despite the appearance that you can get free auto insurance, you won’t be that lucky.

Insurance companies that have most of these discounts include:

It’s a good idea to ask each company which discounts you qualify for. Depending on the company, some discounts might not be offered on policies everywhere. If you would like to choose from a list of insurers who offer discounts, click here to view.

It’s not one size fits all

When it comes to choosing coverage for your personal vehicles, there really is not a “perfect” insurance plan. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions could help you determine if you will benefit from professional help.

Does having multiple vehicles earn me a discount?
What are the financial responsibility laws in my state?
What is roadside assistance coverage?
Should I file a claim if it’s only slightly more than my deductible?
How can I find cheaper teen driver insurance?
How do I file an SR-22 for a DUI in my state?
Is my custom paint covered by insurance?
When should I drop full coverage on my 2013 Chevy Corvette?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
Am I covered if I break a side mirror?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

Specific coverage details

Knowing the specifics of a car insurance policy can help you determine the best coverages for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. These are the usual coverages found on the average car insurance policy.

Medical payments and PIP coverage

Med pay and PIP coverage pay for short-term medical expenses for hospital visits, pain medications and nursing services. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to you and your 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 but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Corvette.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Usually the UM/UIM limits are set the same as your liablity limits.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as rock chips in glass, fire damage, damage from flooding, a tree branch falling on your vehicle and a broken windshield. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto collision coverage

Collision insurance pays for damage to your Corvette from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with another moving vehicle, crashing into a building, hitting a parking meter and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Liability insurance

This coverage will cover injuries or damage you cause to people or other property. It protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 which stand for $50,000 bodily injury coverage, $100,000 for the entire accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against things such as medical services, structural damage, emergency aid and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as high a limit as you can afford.