Would you like to stop overpaying and find more competitive Chevy Corvette insurance in Irvine? Searching for the cheapest insurance for a Chevy Corvette in California can turn out to be a painful process, but you can learn a few tricks to make it easier.
There are both good and bad ways to shop for auto insurance so we’re going to tell you the best way to price shop coverage for a new or used Chevy and obtain the lowest possible price either online or from Irvine insurance agents.
Inconceivable but true, a large majority of consumers renewed their policy with the same company for more than four years, and nearly the majority have never compared rates to find affordable insurance. Many drivers in California can save hundreds of dollars each year by just comparing rate quotes, but most tend to underestimate the benefits if they just switched companies.
Smart consumers take time to compare prices occasionally since prices go up and down regularly. Despite the fact that you may have had the lowest quotes on Chevy Corvette insurance in Irvine two years ago a different company probably has better rates today. You can find a lot of information about Corvette insurance on the web, but in just a couple of minutes you can learn some proven techniques to slash your auto insurance rates in Irvine.
Quote Irvine Chevy Corvette insurance online
The majority of larger companies like 21st Century, Allstate and State Farm give insurance quotes direct online. Doing online quotes for Chevy Corvette insurance in Irvine is possible for anyone as you just type in the coverages you want into the quote form. When the form is submitted, the system will order reports for credit and driving violations and provides a quote based on these and other factors.
Using the web to get rate quotes for Chevy Corvette insurance in Irvine makes it simple to compare prices and it is imperative to perform this step in order to find the best auto insurance rates.
To use this form to compare rates, consider comparing rates from the companies shown below. If you have a policy now, it’s recommended that you enter the coverages identical to your current policy. Using the same limits helps guarantee you will receive an apples-to-apples comparison for similar coverage.
The companies shown below can provide free quotes in Irvine, CA. To buy the cheapest auto insurance in CA, it’s highly recommended you click on several of them in order to get a fair rate comparison.
Chevy Corvette insurance analysis
The premium information shown next highlights different insurance premium costs for Chevy Corvette models. Having a better understanding of how insurance premiums are established can help customers make decisions on which insurance to purchase.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Corvette 2-Dr Coupe | $370 | $804 | $380 | $22 | $114 | $1,690 | $141 |
| Corvette GS 2-Dr Coupe | $438 | $898 | $380 | $22 | $114 | $1,852 | $154 |
| Corvette 2-Dr Convertible | $438 | $898 | $488 | $28 | $146 | $1,998 | $167 |
| Corvette GS 2-Dr Convertible | $472 | $992 | $488 | $28 | $146 | $2,126 | $177 |
| Corvette Z06 2-Dr Coupe | $472 | $992 | $380 | $22 | $114 | $1,980 | $165 |
| Corvette ZR1 2-Dr Coupe | $610 | $1366 | $380 | $22 | $114 | $2,492 | $208 |
| Get Your Own Custom Quote Go | |||||||
Table data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, homeowner, claim-free, multi-policy, and multi-vehicle. Rates do not factor in vehicle location which can influence insurance rates significantly.
Physical damage deductible comparison
The hardest decision when buying coverage is how high should your deductibles be. The comparison tables below help summarize how much more rates are when you select higher and lower insurance deductibles. The first rate comparisons uses a $250 physical damage coverage deductible and the second price chart uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Corvette 2-Dr Coupe | $474 | $882 | $292 | $18 | $88 | $1,779 | $148 |
| Corvette GS 2-Dr Coupe | $562 | $986 | $292 | $18 | $88 | $1,971 | $164 |
| Corvette 2-Dr Convertible | $562 | $986 | $376 | $22 | $112 | $2,083 | $174 |
| Corvette GS 2-Dr Convertible | $606 | $1088 | $376 | $22 | $112 | $2,229 | $186 |
| Corvette Z06 2-Dr Coupe | $606 | $1088 | $292 | $18 | $88 | $2,117 | $176 |
| Corvette ZR1 2-Dr Coupe | $780 | $1498 | $292 | $18 | $88 | $2,701 | $225 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Corvette 2-Dr Coupe | $384 | $712 | $292 | $18 | $88 | $1,494 | $125 |
| Corvette GS 2-Dr Coupe | $456 | $794 | $292 | $18 | $88 | $1,648 | $137 |
| Corvette 2-Dr Convertible | $456 | $794 | $376 | $22 | $112 | $1,760 | $147 |
| Corvette GS 2-Dr Convertible | $492 | $878 | $376 | $22 | $112 | $1,880 | $157 |
| Corvette Z06 2-Dr Coupe | $492 | $878 | $292 | $18 | $88 | $1,768 | $147 |
| Corvette ZR1 2-Dr Coupe | $634 | $1208 | $292 | $18 | $88 | $2,240 | $187 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, claim-free, and homeowner. Information does not factor in Irvine location which can raise or lower price quotes significantly.
Using the premium rates above, we can conclude that using a $250 deductible will cost you approximately $29 more each month or $348 every year across all Chevrolet Corvette models than choosing the higher $500 deductible. Since the policyholder would be required to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you average more than 9 months between claim filings, you would probably be better off if you elect the higher deductible.
How to calculate if a higher deductible is a good decision
| Average monthly premium for $250 deductibles: | $179 |
| Average monthly premium for $500 deductibles (subtract): | – $150 |
| Monthly savings from raising deductible: | $29 |
| Difference between deductibles ($500 – $250): | $250 |
| Divide difference by monthly savings: | $250 / $29 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 9 months |
The diagram below demonstrates how deductible levels and can affect Chevy Corvette insurance costs for each different age category. The data assumes a single male driver, full physical damage coverage, and no policy discounts are applied.
Insurance agent or online?
Some people still like to sit down and talk to an agent and that can be a smart move Most agents can help you build your policy and help you file claims. One of the benefits of comparing insurance online is that you can find cheaper premium rates and still choose a local agent. And providing support for neighborhood agents is definitely important in Irvine.
After completing this quick form, the coverage information is transmitted to participating agents in Irvine who will give you quotes for your business. There is no need to visit any agencies as quotes are delivered straight to your inbox. In the event you want to get a comparison quote from a specific company, you can always go to their quote page to submit a rate quote request.
Best auto insurance agent in Irvine
When finding a good Irvine insurance agent, it’s helpful to know the different agency structures and how they are distinctly different. Insurance agencies in Irvine are classified as either exclusive agents or independent agents. Either type can insure your vehicles properly, but it’s important to know the differences because it may have an impact on the kind of agent you use.
Independent Insurance Agents
Independent agencies do not write with just one company and that gives them the ability to insure with multiple insurance companies enabling the ability to shop coverage around. If they quote lower rates, they can switch companies in-house which requires no work on your part.
If you need lower rates, we recommend you compare quotes from at least one independent agent for the best price selection. Most can insure with smaller regional carriers which can be an advantage.
Below are independent agents in Irvine that can give you comparison quotes.
- USG Insurance Services-California
100 Pacifica Suite 340 – Irvine, CA 92618 – (800) 886-3897 – View Map - California Agency Insurance
17632 Irvine Blvd # 235 – Tustin, CA 92780 – (714) 731-8300 – View Map - Isu Insurance Services Irvine
18022 Cowan Ste 225 – Irvine, CA 92614 – (949) 419-2100 – View Map
Exclusive Agencies
Agents that choose to be exclusive generally can only insure with one company and examples are Allstate and State Farm. Exclusive agencies are unable to place coverage with different providers so they have no alternatives for high prices. Exclusive agents are usually well trained on their products and sales techniques which aids in selling service over price. Some insured continue to use the same exclusive agent primarily because of high brand loyalty rather than having the cheapest rates.
The following is a short list of exclusive agents in Irvine that are able to give comparison quotes.
- Mike Stitt – State Farm Insurance Agent
17452 Irvine Blvd #208 – Tustin, CA 92780 – (714) 544-4717 – View Map - Ray Vermeulen – State Farm Insurance Agent
2151 Michelson Dr #242 – Irvine, CA 92612 – (949) 752-6335 – View Map - State Farm: Richard Tay
14210 Culver Dr A – Irvine, CA 92604 – (949) 559-8866 – View Map
Finding the right insurance agency needs to be determined by more than just a low price. Here are some questions you should ask.
- How much training do they have in personal risk management?
- Does the agency support the community they serve?
- If your car is in the repair shop, do you have coverage for a rental car?
- If you are a high risk driver, do they have special markets for your coverage?
- Which companies do they recommend if they are an independent agency?
Irvine car insurance companies ranked
Picking a high-quality insurance company is hard considering how many companies there are to choose from in Irvine. The company information in the next section could help you select which providers you want to consider buying from.
Top 10 Irvine Car Insurance Companies by A.M. Best Rank
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Top 10 Irvine Car Insurance Companies Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%