Cheapest 2000 Chevrolet Metro Insurance Rates in 2023
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UPDATED: Nov 19, 2021
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Trying to find cheaper car insurance rates? Buyers have lots of choices when searching for the lowest priced Chevy Metro insurance. They can either spend hours struggling with agents getting price quotes or save time using the internet to make rate comparisons. There is a better way to shop for car insurance so we’re going to tell you the best way to quote coverages for a new or used Chevy and locate the lowest price from local insurance agents and online providers.
You should take the time to compare rates once or twice a year because rates are adjusted regularly by insurance companies. Just because you had the best rates on Metro coverage a couple years back you can probably find a better price now. Forget anything you know (or think you know) about car insurance because you’re about to find out the best way to lower your rates without sacrificing coverage.
Why your Chevy Metro insurance rates may be high
Smart consumers have a good feel for some of the elements that come into play when calculating your auto insurance rates. Having a good understanding of what impacts premium levels allows you to make educated decisions that can help you get lower auto insurance prices.
The list below includes some of the items companies use to determine your rates.
- Don’t let your coverage lapse – Driving your car without having proper coverage is a misdemeanor and your next policy will cost more because you let your insurance expire. Not only will you pay more, but being ticketed for driving with no insurance may earn you a revoked license or a big fine.
- You might want pay the small claims yourself – Auto insurance companies give lower rates to insureds who file claims infrequently. If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Your insurance policy is designed for the large, substantial claims.
- Your credit rating is important – Your credit history is a important factor in determining your rates. If your credit is not that good, you could potentially save money when insuring your 2000 Chevrolet Metro by improving your credit score. Drivers with high credit scores tend to file fewer claims and have better driving records than those with lower credit scores.
- Liability coverage is cheap – Liability insurance is the coverage that protects you in the event that you are found liable for causing damage or personal injury in an accident. It provides you with a defense in court which can cost thousands of dollars. Liability is cheap compared to physical damage coverage, so drivers should carry high limits.
- More miles equals more premium – The higher the mileage driven in a year the more you will pay for auto insurance. Almost all companies rate vehicles based on their usage. Cars used primarily for pleasure use qualify for better rates than those used for commuting. If your policy improperly rates your Metro may be wasting your money. Double check that your auto insurance declarations sheet is rated on the correct usage for each vehicle.
- With age comes lower rates – Teenage drivers are statistically proven to be more careless in a vehicle so auto insurance rates are higher. Mature drivers are viewed as being more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
- More than one policy can earn a discount – Most insurance companies give discounts to people who consolidate policies with them such as combining an auto and homeowners policy. Discounts can be 10 percent or more. If you currently are using one company, it’s still a good idea to compare rates to make sure you are getting the best deal.
- Don’t buy coverages you don’t need – There are many additional coverages you can purchase on your 2000 Metro policy. Insurance for rental car reimbursement, better glass coverage and membership fees are examples of these. They may seem like a good idea when talking to your agent, but your needs may have changed so eliminate the coverages to reduce your premium.
Don’t pay full price with these discounts
Auto insurance companies don’t list every discount very well, so here is a list some of the more common and also the lesser-known ways to save on insurance coverage. If you don’t get every credit available, you are throwing money away.
- Anti-lock Brake Discount – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
- Multiple Vehicles – Insuring multiple vehicles on one policy could earn a price break for each car.
- College Student – Children who are attending college without a vehicle on campus may qualify for this discount.
- Memberships – Affiliation with a qualifying organization may earn a discount when shopping for insurance coverage on Metro coverage.
- Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
- Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less on Metro coverage than their less cautious counterparts.
It’s important to note that some of the credits will not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way.
Insurance companies who might offer these money-saving discounts are:
- American Family
- The Hartford
It’s a good idea to ask each insurance company what discounts are available to you. Savings might not apply everywhere.
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Your personal situation dictates your coverage
When it comes to buying the right insurance coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.
For instance, these questions might help in determining whether your personal situation might need an agent’s assistance.
- Do I have coverage when making deliveries for my home business?
- When would I need rental car insurance?
- What vehicles should carry emergency assistance coverage?
- Am I covered if I break a side mirror?
- Are my friends covered when driving my car?
- How high should my uninsured/underinsured coverage be in my state?
- Can I get a multi-policy discount?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Do I need special endorsements for business use of my vehicle?
If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.
Specific coverage details
Knowing the specifics of your insurance policy helps when choosing the best coverages for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy.
Uninsured Motorist or Underinsured Motorist insurance
Your UM/UIM coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your 2000 Chevy Metro.
Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive can pay for claims like theft, damage from a tornado or hurricane, a broken windshield and damage from flooding. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
This coverage will cover damage or injury you incur to people or other property in an accident. It protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged property.
Liability insurance covers claims like structural damage, bail bonds and medical expenses. How much liability coverage do you need? That is your choice, but you should buy as large an amount as possible.
Collision insurance pays for damage to your Metro from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as colliding with another moving vehicle, crashing into a building, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.
Insurance for medical payments
Medical payments and Personal Injury Protection insurance kick in for bills such as surgery, doctor visits, nursing services, hospital visits and dental work. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible
Never pay more for less
When shopping online for car insurance, make sure you don’t buy lower coverage limits just to save a few bucks. There are a lot of situations where an insured dropped physical damage coverage only to discover later they didn’t have enough coverage. Your goal should be to buy the best coverage you can find at an affordable rate.
People leave their current company for many reasons like being labeled a high risk driver, high rates after DUI convictions, high prices and lack of trust in their agent. Regardless of your reason, finding the right car insurance provider is less work than it seems.
We just covered some good ideas how to reduce 2000 Chevy Metro insurance prices online. The key thing to remember is the more providers you compare, the higher your chance of finding lower rates. You may even discover the lowest rates come from the least-expected company.
Additional car insurance information is available below:
- Can I Drive Legally without Insurance? (Insurance Information Insitute)
- Preventing Carjacking and Theft (Insurance Information Insitute)
- Airbag FAQ (iihs.org)
- Prom Night Tips for Teen Drivers (State Farm)
- Young Drivers: The High Risk Years Video (iihs.org)
- Vehicle Insurance (Wikipedia)
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