Compare 2018 Chevrolet Corvette Stingray Insurance Quotes in 2024

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 31, 2024

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Tired of not being able to scrape enough together to pay high insurance rates every month? You’re in the same situation as millions of other consumers. Online insurance companies like State Farm, GEICO and Farmers Insurance promote their brand names with ad campaigns and it is difficult to see past the corporate glitz and take the time to shop coverage around.

First Step: Get free auto insurance quotes

Many insurance companies such as State Farm and Allstate allow you to get prices for coverage on the web. Getting online rates is fairly straightforward as you simply type in your personal and coverage information into the quote form. Once you submit the form, the company’s rating system gets reports for credit and driving violations and gives you a price quote determined by many factors. Online quotes makes it simple to compare prices but the process of having to visit several different sites and type in your information can be a bit tiresome and repetitive. But it’s absolutely necessary to compare as many rates as possible in order to find a lower rate.

The quickest way to lower your auto insurance bill uses one form that gets price quotes from multiple companies. This type of form saves time, requires much less work on your part, and makes comparison shopping much more enjoyable and efficient. After your information is entered, it is rated and you are able to buy any of the quotes that you receive. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. This process takes 15 minutes at the most and you will know how your current rates stack up.

To find out how much you can save on auto insurance, simply enter your zip code here and complete the simple form. If you currently have coverage, we recommend you copy the limits and deductibles identical to your current policy. Doing this guarantees you will have a fair comparison for the exact same coverage.

Auto insurance rates and discounts

Some providers don’t always list the complete list of policy discounts very clearly, so the below list has a few of the more common and the more hidden savings tricks you should be using when you buy insurance coverage online.

  • First Accident Forgiveness – This one is not really a discount per se, but a few companies such as Liberty Mutual, Allstate and State Farm will let one accident slide without raising rates with the catch being you have to be claim-free before the accident.
  • Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Federal Employees – Active or former government employment may reduce rates when you quote insurance coverage on Corvette Stingray coverage with some auto insurance companies.
  • Senior Citizens – Seniors can get lower premium rates on Corvette Stingray coverage.
  • Multi-Vehicle Discounts – Buying coverage for primary and secondary vehicles on one policy can reduce the rates for all insured vehicles.
  • Passive Restraint Discount – Factory options such as air bags or motorized seat belts can qualify for discounts of 20% or more.
  • Early Payment Discounts – By paying your entire bill at once instead of paying each month you may reduce your total bill.
  • Theft Deterrent Discount – Vehicles with anti-theft systems are stolen with less frequency and qualify for as much as a 10% discount.
  • Driver’s Education for Students – Teen drivers should enroll and complete driver’s education in school or through a local driver safety program.
  • Paperwork-free – A few larger companies will provide an incentive for completing your application over the internet.

Keep in mind that many deductions do not apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts should help lower your premiums.

Some of the larger companies that may have many of the previously listed discounts include:

  • State Farm
  • Farmers Insurance
  • American Family
  • Nationwide
  • Progressive

Double check with every insurance company the best way to save money. Some discounts may not apply to policyholders in your state. To see insurers who offer cheap auto insurance quotes, enter your zip code here.

Situations that may require an agent’s advice

When choosing adequate coverage for your personal vehicles, there is no best way to insure your cars. Every insured’s situation is different so this has to be addressed. For example, these questions may help highlight whether you will benefit from professional help.

  • How much can I save by bundling my policies?
  • Is rental equipment covered for theft or damage?
  • What is roadside assistance coverage?
  • Do I pay less if my vehicle is kept in my garage?
  • When should I remove comp and collision on my 2018 Chevy Corvette Stingray?
  • What is an SR-22 filing?
  • Does having multiple vehicles earn me a discount?

If you don’t know the answers to these questions, you may need to chat with an agent. If you don’t have a local agent, take a second and enter your zip code. It is quick, free and can provide invaluable advice.

Why informed drivers pay less for Chevy Corvette Stingray insurance

One of the most helpful ways to save on auto insurance is to to have a grasp of a few of the rating criteria that play a part in calculating your premiums. When you know what positively or negatively impacts premium levels, this enables you to make decisions that can earn you big savings. Lots of factors are part of the equation when quoting car insurance. A few of the factors are predictable like an MVR report, but other criteria are not quite as obvious such as whether you are married or your financial responsibility.

  • Do you know you’re credit history? – Having a bad credit score can be an important factor in determining what you pay for auto insurance. People with good credit tend to be more responsible as compared to drivers with bad credit. If your credit history is low, you could save money insuring your 2018 Chevrolet Corvette Stingray by improving your credit score.
  • Limits of liability coverage – The liability section of your policy provides coverage if ever you are ruled to be at fault for personal injury or accident damage. This coverage provides for a legal defense which can cost a lot. This coverage is very inexpensive when compared with rates for comp and collision, so do not skimp.
  • Does insurance cost less for females? – Over the last 50 years, statistics have shown females are less aggressive when driving. Now that doesn’t mean men are worse drivers. Females and males cause auto accidents in similar percentages, but the men have accidents that have higher claims. Men also tend to receive more major tickets like DWI (DUI) or reckless driving.
  • Get better rates if married – Walking down the aisle can get you a discount on your auto insurance policy. Marriage means you’re more responsible and statistics prove married drivers tend to file fewer claims.
  • Use but don’t abuse your insurance – Car insurance companies give the lowest premiums to insureds who are claim-free. If you are a frequent claim filer, you can definitely plan on much higher rates or policy non-renewal. Insurance coverage is meant to be used in the event of claims that pose a financial burden.
  • Better rates with anti-theft devices – Purchasing a vehicle with a theft deterrent system can help bring down rates. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent car theft and help bring rates down.
  • Higher premiums for coverage lapses – Not maintaining insurance is not a good idea and auto insurance companies will penalize you for letting your insurance lapse. And not only will insurance be more expensive, failure to provide proof of insurance can result in a license revocation or jail time. You could then be forced to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.

Don’t listen to company ads

Consumers constantly see and hear ads for the lowest price car insurance from the likes of State Farm and Allstate. They all seem to make the point about how much you will save if you move your policy.

It sounds good, but how can they all claim to save you money? It’s all in the wording.

Companies offer their best rates for the right customer that earns them the most money. One example of this type of insured might have to be between the ages of 30 and 50, has no tickets, and drives a car with an anti-theft system. A driver that matches those criteria will get a cheap rate quote and most likely will pay quite a bit less when switching companies.

Consumers who do not meet the requirements will get a more expensive rate which leads to the customer buying from someone else. Company advertisements say “people who switch” not “everyone that quotes” save that much money. That is how companies can claim big savings. This emphasizes why it is so important to do a rate comparison at every renewal. It is just not possible to predict with any certainty which company will provide the lowest auto insurance rates.

Car insurance coverage considerations

Learning about specific coverages of car insurance helps when choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types found on the average car insurance policy.

Coverage for medical expenses

Med pay and PIP coverage provide coverage for expenses for dental work, nursing services, doctor visits, chiropractic care and surgery. They are utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your 2018 Chevy Corvette Stingray.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability insurance

This coverage provides protection from damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for claims like medical services, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is up to you, but consider buying as high a limit as you can afford.

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like falling objects, hitting a deer, vandalism, a tree branch falling on your vehicle and fire damage. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a parking meter, backing into a parked car, sustaining damage from a pot hole, colliding with a tree and colliding with another moving vehicle. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Final thoughts

Budget-conscious 2018 Chevy Corvette Stingray insurance is definitely available from both online companies and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some car insurance companies may not have the ability to get a quote online and many times these small insurance companies prefer to sell through independent agents.

As you shop your coverage around, do not skimp on coverage in order to save money. There are many occasions where an insured dropped uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your focus should be to get the best coverage possible at the best price, but do not sacrifice coverage to save money.

In this article, we covered a lot of information how to shop for 2018 Chevy Corvette Stingray insurance online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. You may even find the most savings is with the least-expected company. These smaller insurers often have lower prices on specific markets compared to the large companies like State Farm and Allstate.

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