Chevrolet Chevrolet Metro Insurance Rates
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UPDATED: Mar 4, 2020
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Searching for the cheapest insurance coverage rates for your Chevrolet Metro? Saving money on insurance coverage can seem to be hard for consumers not familiar with comparison shopping online. You have so many choices that it can easily become a big hassle to locate the lowest price.
Why your Chevy Metro might be costing you more
Consumers need to have an understanding of the factors that play a part in calculating the price you pay for car insurance. Knowing what determines base rates helps enable you to make changes that may reward you with big savings.
- Do you need the policy add-ons? – There are quite a few add-on coverages you can purchase if you aren’t careful. Coverages like rental car reimbursement, better glass coverage and term life insurance are examples of these. They may seem good when you first buy your policy, but if they’re wasting money get rid of them and save.
- Where you reside plays a part – Choosing to live in less populated areas is a positive aspect when buying car insurance. City drivers regularly have more traffic problems and a longer drive to work. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.
- Discounts for multiple policies – The majority of insurance companies will give a discount to insureds who carry more than one policy in the form of a multi-policy discount. Even though this discount sounds good, you may still want to shop around to make sure you are getting the best deal. Consumers may find better rates by buying insurance from more than one company.
- Always keep insurance in force – Driving with no insurance is a misdemeanor and as a result your rates will increase for letting your coverage have a gap. Not only will you pay more, getting caught without coverage may earn you a steep fine or even jail time.
- The more you drive the more you pay – Driving more miles each year the higher your rates will be. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars and trucks used primarily for pleasure use receive lower rates as compared to vehicles used primarily for driving to work. An improperly rated Metro can result in significantly higher rates. Double check that your car insurance coverage shows the proper vehicle usage, because improper ratings can cost you money.
- Optional equipment can affect rates – Purchasing a vehicle that has an advanced theft prevention system can get you a discount on your car insurance. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
- Safer occupants lowers premiums – Safer cars are cheaper to insure. Safe vehicles have better occupant injury protection and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If the Chevy Metro has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
- Pay less after the wedding – Being married can get you a discount on your policy. Having a significant other translates into being more mature and it’s proven that married couples file fewer claims.
Insurance Coverage Quote Comparison
All major insurance coverage companies like 21st Century, Allstate and State Farm provide insurance quotes on the web. Getting quotes is fairly straightforward as you simply type in your personal and coverage information as detailed in the form. When complete, the system will order reports for credit and driving violations and provides a quote determined by many factors.
This simplifies rate comparisons, but the time it takes to visit a lot of sites and complete many quote forms is not the best way to spend an afternoon. But it is imperative to perform this step in order to get lower prices.
The easy way to compare rates
The easiest way to compare rates is to use a quote form that analyzes rates from several companies at one time. It’s a real time-saver, eliminates form submissions, and makes online quotes much more enjoyable and efficient. After sending the form, it is quoted and you are able to buy any or none of the quote results. If a lower price is quoted, you can simply submit the application and buy the new coverage. The whole process can be completed in less than 10 minutes and can result in significant savings.
To fill out one form to compare multiple rates now, simply click here to open in new window and submit the form. To compare your current rates, we recommend you input the limits and deductibles identical to your current policy. Doing this assures you’re receiving an apples-to-apples comparison for the exact same coverage.
Discounts mean cheaper Chevy Metro insurance rates
Companies offering auto insurance don’t necessarily list all their discounts very well, so we break down both well-publicized and the more hidden ways to save on auto insurance.
- Accident Free – Good drivers with no accidents pay less as compared to frequent claim filers.
- Low Mileage – Keeping the miles down on your Chevy can earn discounted rates on garaged vehicles.
- Student in College – Youth drivers who attend school more than 100 miles from home and do not have a car may qualify for this discount.
- New Car Discount – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
- Senior Discount – If you’re over the age of 55, you may qualify for a discount up to 10% for Metro insurance.
- Discount for Swiching Early – Some companies give discounts for buying a policy before your current policy expires. The savings is around 10%.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class if it’s offered in school.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and will save you 10% or more.
- Good Student – Getting good grades can earn a discount of 20% or more. This discount can apply up to age 25.
- Club Memberships – Affiliation with a qualifying organization may earn a discount on your policy for Metro insurance.
Consumers should know that some credits don’t apply to your bottom line cost. Some only reduce specific coverage prices like comp or med pay. So when it seems like all those discounts means the company will pay you, auto insurance companies aren’t that generous.
For a list of insurance companies with the best auto insurance discounts, follow this link.
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Tailor your coverage to you
When choosing proper insurance coverage, there isn’t really a one size fits all plan. Every situation is different.
For instance, these questions may help you determine if your insurance needs would benefit from professional advice.
- Should I buy more coverage than the required minimum liability coverage?
- Do I pay less for low miles?
- Does coverage extend to Mexico or Canada?
- Should I get collision insurance on every vehicle?
- Do I have any recourse if my insurance company denies a claim?
- Are rental cars covered under my policy?
- Will filing a claim cost me more?
- Is my custom paint covered by insurance?
- Am I covered if hit by an uninsured driver?
- Is my Chevy Metro covered if I use it for business?
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.
Knowing the specifics of insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” 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.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.
Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers things such as falling objects, damage from flooding, hitting a deer, damage from a tornado or hurricane and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for EMT expenses, nursing services, prosthetic devices, hospital visits and doctor visits. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. PIP is not an option in every state but can be used in place of medical payments coverage
Collision – This coverage will pay to fix damage to your Metro from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like backing into a parked car, hitting a parking meter and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.
Liability car insurance – Liability coverage will cover damages or injuries you inflict on people or other property that is your fault. It protects you against claims from other people, and doesn’t cover damage sustained by your vehicle in an accident.
Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property.
Liability can pay for things such as loss of income, attorney fees and pain and suffering. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.
Keep this in mind
As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. In many cases, consumers will sacrifice full coverage and learned later that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage for the lowest price, not the least amount of coverage.
Insureds leave their current company for any number of reasons including high rates after DUI convictions, high prices, denial of a claim or questionable increases in premium. Regardless of your reason for switching companies, choosing a new company is pretty simple and you could end up saving a buck or two.
Affordable 1999 Chevy Metro insurance can be sourced both online in addition to many insurance agents, and you need to comparison shop both in order to have the best chance of saving money. Some insurance providers do not provide online quoting and these small, regional companies work with independent agents.
- Should I Buy a New or Used Car? (Allstate)
- Side Impact Crash Tests (iihs.org)
- Young Drivers: The High Risk Years Video (iihs.org)
- State Car Insurance Guides (GEICO)
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