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Chevrolet Prizm Insurance Rates

You have many choices when insurance shopping for your Chevrolet vehicle. You can either buy through your neighborhood insurance agent or shop online to compare insurance costs of a lot of car insurance companies. Buying car insurance through online companies is easy, in addition you will probably save money.

People who are new to comparing rates may think purchasing affordable Prizm insurance is difficult. To find the best car insurance prices, there are several ways of comparing rates and find the best price. The easiest way to find the cheapest Prizm insurance cost is to get quotes online. This is very easy and can be done by getting a quick quote here.

Criteria which help determine car insurance premiums

Insurance rates paid to insure a Chevrolet Prizm can vary widely based upon several criteria. A few of these criteria are:

  • The performance level of your Prizm
  • Any accidents you may have
  • Multiple policies can save money
  • How you use your vehicle
  • Your birth date
  • Being married may save money
  • Optional coverages like vehicle replacement
  • Your profession
  • Insurance coverage level
  • Owning a home can lower rates

One last important factor that helps determine the rate you pay on your Chevrolet is the year of manufacture. Older models have a much lower replacement value so the costs to repair will push premiums down. Although newer vehicles may have options included like a rollover prevention system, forward-collision avoidance, and dual-stage airbags which can help offset higher rates.

To get a better understanding how much rates will be for your vehicle, select the year of your Prizm from the following list.

Coverage for liability - Liability insurance can cover injuries or damage you cause to a person or their property in an accident. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision - Collision insurance covers damage to your Chevrolet from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible in order to get cheaper Prizm insurance rates.

Comprehensive coverage (or Other than Collision) - This covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value it's probably time to drop comprehensive insurance.

UM/UIM Coverage - This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. Since many drivers carry very low liability coverage limits, it doesn't take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is very important.

Insurance for medical payments - Coverage for medical payments and/or PIP provide coverage for bills for things like ambulance fees, surgery, and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. PIP is not an option in every state and may carry a deductible.

How Much are Chevrolet Prizm Insurance Rates?