1999 Chevrolet Prizm Car Insurance Quotes – 7 Tricks for Cheaper Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 6, 2020

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No one in their right mind likes having to buy insurance, particularly when the cost is way too high. Lots of insurers contend for your business, and because of this it can be hard to compare insurance companies to discover the definitive best rates possible.

It’s a good habit to check insurance prices yearly because rates tend to go up over time. Even if you think you had the best deal for Prizm coverage a couple years back you can probably find a lower rate today. There is a lot of wrong information about insurance on the internet, so I’m going to show you some proven techniques to quit paying high insurance rates.

If you have a policy now or are just looking to switch companies, you can follow these tips to find better prices while maximizing coverage. Finding the best rates is quite easy. Drivers just need to know the most efficient way to shop online.

Do you qualify for these seven discounts?

Companies that sell car insurance don’t always advertise every available discount in an easy-to-find place, so here is a list both well-publicized and the more hidden discounts you could be receiving. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Driver Safety – Taking a defensive driving course could save 5% or more and easily recoup the cost of the course.
  • Sign Early and Save – A few companies offer discounts for signing up before your current expiration date. It can save you around 10%.
  • Seat Belt Usage – Drivers who require all occupants to buckle their seat belts can save 10% or more off your medical payments premium.
  • Discount for Life Insurance – Some companies give a break if you buy a life insurance policy as well.
  • Senior Citizens – If you qualify as a senior citizen, you may receive reduced rates for Prizm coverage.
  • Discount for New Cars – Buying coverage on a new vehicle can be considerably cheaper due to better safety requirements for new cars.
  • Lower Rates for Military – Being deployed with a military unit could mean lower rates.

A little note about advertised discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like all those discounts means the company will pay you, insurance coverage companies aren’t that generous.

To see a list of companies who offer insurance coverage discounts, click here.

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Don’t assume everyone needs the same coverage

When buying coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if you might need professional guidance.

  • Why do I only qualify for high-risk insurance?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I have combined single limit or split liability limits?
  • Do I need PIP (personal injury protection) coverage in my state?
  • I have health insurance so do I need medical payments coverage?
  • Is my nanny covered when driving my vehicle?
  • Is a fancy paint job covered?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, free and may give you better protection.

Car insurance coverages and their meanings

Having a good grasp of car insurance can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring. These are typical coverage types found on most car insurance policies.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 1999 Chevy Prizm.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability

Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability insurance covers things such as repair bills for other people’s vehicles, medical expenses and funeral expenses. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like hospital visits, dental work, funeral costs, ambulance fees and surgery. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, driving through your garage door, backing into a parked car, crashing into a ditch and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a bird, fire damage, falling objects and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Pennies from heaven

As you prepare to switch companies, you should never skimp on coverage in order to save money. In many instances, someone dropped uninsured motorist or liability limits only to regret at claim time that it was a big error on their part. The proper strategy is to get the best coverage possible at the best price.

We just showed you a lot of ways to compare 1999 Chevy Prizm insurance prices online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers could even find that the best prices are with the least-expected company. Regional companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

More detailed insurance information can be found in the articles below:

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