2000 Chevrolet Prizm Insurance Quotes – 8 Discounts for Cheaper Rates
Purchasing the lowest cost car insurance may at first seem to be challenging for vehicle owners who are beginners to quoting and shopping for insurance over the internet. With such a big selection of agents and companies, how are vehicle owners expected to have time to compare the different rates to find lower car insurance premiums?
It’s smart to check car insurance prices quite often since insurance prices are variable and change quite frequently. Even if you got the best deal on Prizm insurance six months ago you may be paying too much now. Forget all the misinformation about car insurance because I’m going to let you in on the secrets to the best methods to buy cheaper car insurance.
If you currently have car insurance, you stand a good chance to be able to save some money using this strategy. Locating cheaper insurance coverage coverage is not that difficult. But drivers must know how the larger insurance companies price insurance differently and apply this information to your search.
How to get free auto insurance quotes online
Comparing auto insurance rates can take hours if you don’t know the most efficient way. You can spend your afternoon driving to local insurance agents in your area, or you could save time and use online quotes to get prices fast.
Most of the larger companies are enrolled in a marketplace that enables customers to enter their coverage request one time, and at least one company can give them a price determined by their information. This eliminates the need for repetitive form submissions for every auto insurance company.
To use this form to compare rates click here to open in new window.
One minor caviat to using this type of system is you cannot specify which carriers you want pricing from. So if you want to select from a list of companies to compare, we have a listing of low cost auto insurance companies in your area. View list of insurance companies.
It’s your choice how you get your quotes, but be sure to compare identical coverage information for each price quote. If each company quotes different values for each quote you can’t possibly decipher which rate is best. Having just a slight variation in coverage limits can make a big difference in price. It’s important to know that comparing more quotes helps you find more affordable rates.
Drivers save money with these eight premium-slashing discounts
Some providers don’t always publicize every disount available in a way that’s easy to find, so the list below contains a few of the more common as well as some of the hidden discounts that you may qualify for.
- Early Renewal Discounts – Some insurance companies provide a discount for switching policies prior to your current policy expiring. It could save around 10% when you buy insurance online.
- E-sign Discounts</strong – A few larger online companies provide a small discount for signing up on their website.
- Braking Control Discount – Cars and trucks that have anti-lock braking systems have fewer accidents and qualify for as much as a 10% discount.
- Distant Student Discount – College-age children who are enrolled in higher education away from home and do not take a car to college can be insured at a reduced rate.
- Senior Citizen Rates – Drivers that qualify as senior citizens can possibly qualify for reduced rates on Prizm insurance.
- Multiple Policy Discount – If you have multiple policies with the same company you may earn 10% to 20% off each policy.
- Seat Belts Save – Drivers who require all vehicle occupants to use their safety belts can save a little off the PIP or medical payment premium.
- Club Memberships – Being in specific professional or occupational memberships or organizations could qualify you for a break on your next auto insurance statement.
Remember that some of the credits will not apply to the entire policy premium. Some only apply to individual premiums such as comp or med pay. So even though you would think you could get a free auto insurance policy, it just doesn’t work that way.
For a list of insurers that offer some of these discounts, follow this link.
Do I need special coverages?
When buying proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Your needs are not the same as everyone else’s.
These are some specific questions can aid in determining whether your personal situation might need professional guidance.
- How much underlying liability do I need for an umbrella policy?
- Is there coverage for injuries to my pets?
- Do I need replacement cost coverage?
- Are my friends covered when driving my car?
- Is motorclub coverage worth it?
- Should I drop comprehensive coverage on older vehicles?
- Is my 2000 Chevy Prizm covered for smoke damage?
If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, complete this form.
Car insurance coverages explained
Having a good grasp of your policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be difficult to understand and nobody wants to actually read their policy.
Auto liability insurance – Liability insurance can cover damage or injury you incur to a person or their property by causing an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.
Liability coverage pays for things like legal defense fees, medical expenses, structural damage and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.
Comprehensive coverage (or Other than Collision) – This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive insurance covers things like a tree branch falling on your vehicle, a broken windshield and fire damage. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Collision coverages – Collision insurance will pay to fix damage to your Prizm from colliding with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like scraping a guard rail, damaging your car on a curb, hitting a parking meter, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.
Insurance for medical payments – Coverage for medical payments and/or PIP reimburse you for bills for nursing services, doctor visits, chiropractic care and surgery. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage
Uninsured Motorist or Underinsured Motorist insurance – This gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Gordon Sloan
Checking in from San Jose, California. I got free quotes with Progressive, AAA, and Esurance for my 2000 Chevrolet Prizm and I’m now saving $20 a month. Next renewal I’ll just do liability.
Sean Horton
I got decent rates for a 2000 Chevrolet Prizm in Hilo, Hawaii. Ended up at darn near $120 every six months with AIG Insurance. Thankfully I’m not a high risk driver. It was easy to get rates.
Lynna Graham
Just my two cents. Checking in from Raleigh, NC. I got free rates from GEICO, Amica, and some I forget for my Prizm and saved just over $80 a year. Was with Amica. Hopefully won’t need it.
Jackelyn Cantu
If you have a good history and live in the vicinity of Concord, NH, check out GEICO. You might get cheaper rates. Left Western Auto Insurance to switch. I get lower rates because of my clean driving record. Not sure if rates are cheaper online or not. Anyone else drop full coverage?
Ozell Rice
In Minneapolis, Minnesota, Allstate is a good choice. Got better coverage too. When should I drop full coverage?
Kimbery Santana
Well-written and thought out article. I’m in the west part of South Burlington, VT. I quoted with GEICO, Eastwood, and Hartford for my Chevrolet and I think I saved about $10 each month. Teenage drivers are expensive!
Ailene Richard
GEICO quoted the best rates in Texas.
Kenneth Fowler
Hope my car insurance gets cheaper. Lifelong resident of Madison, WI. I got free prices from GEICO, Eastwood, and Hanover for my Prizm and I’m now saving $16 a month. I just quoted rates online. It’s only liability tho.
Jame Copeland
I’m in Rapid City, South Dakota. Quoted with American Family, Sentry, and some smaller one I can’t remember the name of for my Prizm and saved around $70 a year. Got better coverage too.
Tegan Sanford
Just a quick comment on my experience. I live south of Phoenix, Arizona. Got car insurance prices from Auto-Owners, Esurance, and Nationwide for my Chevrolet and saved just over $70 a year. Was with Allstate. I think they have home insurance too. They have free quotes online.
Lory Keller
Quoted with Auto-Owners for my Prizm and saved about $70 a year. I have kids on my policy, too. I quoted rates online then called them. I only have liability coverage on it.
Madie Jarvis
From Charleston, WV. Compared quite a few companies. Saved about $30 a month. GEICO was the best choice for me.
Hortensia Drake
Just a quick comment on my experience. Got a quote with AIG Insurance for my 2000 Chevrolet Prizm and am saving around $70 a year. Just waiting to see how claims go.
Hayley Lopez
I’m in Provo, UT, and GEICO rates were affordable. Thankfully I’m not a high risk driver. My Chevrolet doesn’t have full coverage.
Abraham Compton
GEICO and Allstate were both pretty cheap in Baltimore, MD.
Raye Bruce
If you have a clean record and live in the vicinity of Green Bay, Wisconsin, check out Progressive. They seem to be cheaper. I get lower rates because of my clean driving record. Only insure liability on my Chevrolet.