1998 Chevrolet Metro Insurance Rates
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UPDATED: Mar 4, 2020
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Trying to find cheaper insurance coverage rates for your Chevrolet Metro? I can’t think of anyone who likes having to buy insurance coverage, particularly when they are paying too much.
Many insurers vie for your business, and it can be difficult to compare rates and uncover the absolute cheapest price
It’s important to price shop coverage on a regular basis since insurance rates are rarely the same from one policy term to another. Even if you think you had the best rates on Metro insurance on your last policy a different company probably has better rates today. Starting right now, forget all the misinformation about insurance coverage because we’re going to show you the right way to save on insurance coverage.
Your Chevy Metro insurance rate is a complex equation
Smart consumers have a good feel for the different types of things that come into play when calculating the price you pay for insurance. Knowing what determines base rates allows you to make educated decisions that will entitle you to lower insurance prices.
The list below includes a few of the “ingredients” companies use to determine prices.
- Lower rates with optional equipment – Purchasing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance. Anti-theft devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
- No coverage gaps is important – Having an insurance coverage lapse will be a guaranteed way to pay more for insurance. Not only will rates go up, but being ticketed for driving with no insurance may earn you a revoked license or a big fine.
- Better credit scores mean better rates – A driver’s credit history is a huge factor in your rate calculation. If your credit score is not that good, you could be paying less to insure your 1998 Chevrolet Metro by repairing your credit. Drivers with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores.
- Liability coverage is peace of mind – Your policy’s liability coverage is the coverage that protects you if ever you are found liable for damages caused by your negligence. Liability insurance provides legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
Quick Auto Insurance Quotes
There are several ways to get quotes from local auto insurance companies. The simplest method to find the cheapest 1998 Chevy Metro insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished in several different ways.
- The most efficient way consumers can analyze rates is a comparison rater form click to view form in new window. This form keeps you from doing repetitive form entry to each individual auto insurance company. One form compares rates from all major companies.
- A slightly less efficient method to find lower rates is spending the time to visit each company’s website and request a quote. For examples sake, we’ll assume you want to compare rates from USAA, Allstate and State Farm. To find out each rate you need to visit each site and enter your information, which is why most consumers use the first method.
For a handy list of car insurance company links in your area, click here.
- The least recommended way of comparing rate quotes is to spend time driving to and from local insurance agencies. Buying insurance online makes this process obsolete unless you prefer the trained guidance of a local agent. You can, however, obtain prices from the web but still have the advice of a local agent and we’ll talk about that later.
It’s up to you which method you use, but make darn sure you compare identical deductibles and coverage limits with every price quote. If you are comparing mixed coverages it’s not possible to find the best deal for your Chevy Metro. Quoting even small variations in coverage limits may result in a large different in cost. And when comparing auto insurance rates, know that comparing a large number of companies helps you find the best rates.
Lots of discounts mean lots of savings
Car insurance companies don’t necessarily list all their discounts in a way that’s easy to find, so we break down some of the more common as well as the least known ways to save on car insurance.
- Pay Upfront and Save – If you pay your bill all at once instead of monthly or quarterly installments you could save 5% or more.
- Seat Belts Save more than Lives – Requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
- Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less on Metro insurance than drivers with accident claims.
- Save over 55 – If you qualify as a senior citizen, you can possibly qualify for better car insurance rates on Metro insurance.
- Resident Student – Any of your kids who live away from home and do not have a car can be insured at a reduced rate.
- Claim Free – Claim-free drivers pay less compared to drivers who are more careless.
- Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and will save you 10% or more.
- Memberships – Participating in certain professional organizations could trigger savings on car insurance on Metro insurance.
- Life Insurance – Some companies give lower rates if you buy auto and life insurance together.
- Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off on Metro insurance with a few car insurance companies.
It’s important to understand that most of the big mark downs will not be given to all coverage premiums. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like it’s possible to get free car insurance, companies wouldn’t make money that way.
Insurance companies that may offer these money-saving discounts are:
It’s a good idea to ask each insurance company what discounts are available to you. Some discounts may not apply in your state.
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Situations that might require an agent
When buying proper insurance coverage for your personal vehicles, there is no perfect coverage plan. Each situation is unique and your policy should reflect that. For example, these questions might help in determining whether your personal situation might need an agent’s assistance.
- When does my teenage driver need to be added to my policy?
- Should I get collision insurance on every vehicle?
- When can my company non-renew my policy?
- Is upholstery damage covered by car insurance?
- Can I still get insurance after a DUI?
- Should I waive the damage coverage when renting a car?
- If I drive on a suspended license am I covered?
- Do I have newly-aquired coverage?
- What is the rate difference between pleasure use and commuting?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area.
Insurance coverages and their meanings
Learning about specific coverages of insurance helps when choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the usual coverages found on most insurance policies.
This coverage provides protection from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Metro.
Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.
This coverage will pay to fix damage to your Metro resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.
Collision coverage protects against things like colliding with another moving vehicle, hitting a mailbox, backing into a parked car, driving through your garage door and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.
Medical costs insurance
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for things like surgery, hospital visits, X-ray expenses, chiropractic care and funeral costs. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay
This coverage will cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.
Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged property.
Liability coverage protects against things such as bail bonds, medical expenses and emergency aid. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.
Comprehensive or Other Than Collision
Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims like falling objects, damage from a tornado or hurricane, a broken windshield, hitting a deer and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.
Make an honest buck
As you prepare to switch companies, don’t be tempted to skimp on critical coverages to save a buck or two. There are too many instances where an insured cut comprehensive coverage or liability limits only to regret at claim time that the savings was not a smart move. Your strategy should be to get the best coverage possible for the lowest price.
Low-cost 1998 Chevy Metro insurance can be sourced both online and also from your neighborhood agents, and you should be comparing both to have the best selection. Some companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.
More detailed auto insurance information can be found in the articles below:
- Things to Know Before you Cancel Insurance (Allstate)
- How to Avoid Staged Accidents (State Farm)
- Choosing an Insurance Company (Insurance Information Insitute)
- Driving in Bad Weather (Insurance Information Insitute)
- Auto Insurance 101 (About.com)
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