Chevy Corsica Insurance in Las Vegas – 5 Discounts Drivers are Forgetting
Are you burned out from scraping nickels together to insure your Chevy every month? You have the same problem as many other people in Nevada. People have multiple insurers to insure vehicles with, and although it’s a good thing to have multiple companies, having more car insurance companies makes it harder to compare rates and cut insurance costs.
Five discounts for affordable car insurance rates
Not too many consumers would say car insurance is affordable, but you might find some hidden discounts to cut the cost considerably. Some trigger automatically when you quote, but lesser-known reductions have to be specifically requested before being credited.
- Discounts for New Vehicles – Buying car insurance coverage on a new vehicle can save up to 30% since new vehicles have better safety ratings.
- Defensive Driving Course – Participating in a defensive driver class could cut 5% off your bill and also improve your driving technique.
- Full Payment Discount – By making one initial payment rather than paying monthly you can avoid monthly service charges.
- Multi-line Discount – Larger insurance companies have a discounted car insurance rate on car insurance if you buy a life insurance policy as well.
- Discount for Low Mileage – Fewer annual miles on your Chevy could be rewarded with lower rates on the low mileage vehicles.
Discounts save money, but please remember that many deductions do not apply to the overall cost of the policy. Most only reduce specific coverage prices like collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, companies wouldn’t make money that way. But any discount should help lower your overall premium however.
Car insurance companies who may offer many of the previously listed discounts possibly include:
If you need lower rates, check with every company to give you their best rates. Some of the earlier mentioned discounts may not be offered in every state. To see a list of insurance companies that can offer you the previously mentioned discounts in Nevada, click here to view.
To find the best car insurance prices, there are several ways to compare quotes from many different Nevada insurance companies. One of the best ways to find the cheapest Chevy Corsica insurance rates involves getting comparison quotes online. This can be done in several different ways.
- Without a doubt, the easiest way to compare a lot of rates at once is an all-inclusive rate comparison click here to open form in new window. This type of form prevents you from having to do separate quotation requests for each price estimate. One simple form gets coverage cost estimates instantly.
- A different way to find more affordable insurance requires a visit to the website for each individual company and fill out their own quote form. For instance, let’s say you need rates from Farmers, Liberty Mutual and Allstate. You would be required to go to every website and type in your information over and over, which is not fast way to get rate quotes.
For a list of links to companies insuring cars in Las Vegas, click here.
- If you have time to kill, the last method to find cheaper rates is to drive around to and from local Las Vegas insurance agencies. The ability to quote online has reduced the need for local agents unless you prefer the extra assistance of a local Las Vegas agent. Drivers can find lower rates online and still use a local agent.
Whichever way you choose to compare rates, make sure you compare equivalent quote information with each company. If you compare different limits and deductibles on each one it’s impossible to make a fair rate comparison in Las Vegas. Slightly different insurance coverages or limits can make a big difference in price. And when comparing car insurance rates, know that comparing more rates from different companies provides better odds of finding the best price. Some smaller insurers to not give quotes online, so you also need to get rates from them as well.
Car insurance coverages for a Chevy Corsica
Understanding the coverages of your car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages available from car insurance companies.
Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Corsica.
Due to the fact that many Nevada drivers only carry the minimum required liability limits (Nevada limits are 15/30/10), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.
Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like dental work, surgery, funeral costs, ambulance fees and prosthetic devices. The coverages can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay
Collision coverage – This coverage covers damage to your Corsica resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.
Collision insurance covers things such as sustaining damage from a pot hole, sideswiping another vehicle and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to save money on collision insurance.
Liability coverages – Liability insurance can cover damage that occurs to a person or their property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.
Liability coverage protects against things such as funeral expenses, repair bills for other people’s vehicles, medical expenses, loss of income and structural damage. How much coverage you buy is your choice, but you should buy as high a limit as you can afford. Nevada requires minimum liability limits of 15,000/30,000/10,000 but you should consider buying better liability coverage.
Comprehensive coverage (or Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims such as hitting a deer, a broken windshield, hitting a bird, a tree branch falling on your vehicle and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
What is YOUR best insurance company?
Cheaper Chevy Corsica insurance is definitely available on the web as well as from insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers may not offer online price quotes and these regional carriers only sell coverage through local independent agencies.
In this article, we covered some good ideas how you can compare Chevy Corsica insurance auto insurance rates online. The most important thing to understand is the more times you quote, the better your chances of lowering your premium rates. Consumers may even find the lowest priced car insurance comes from some of the lesser-known companies. Regional companies can often provide lower premium rates in certain areas as compared to the big name companies such as GEICO and State Farm.
As you go through the steps to switch your coverage, you should never buy less coverage just to save a little money. There are too many instances where an insured cut liability limits or collision coverage and discovered at claim time they didn’t have enough coverage. Your focus should be to get the best coverage possible at an affordable rate but still have enough coverage for asset protection.