2006 Chevrolet SSR Car Insurance Quotes

Trying to find cheaper car insurance rates? Buyers have a choice when searching for the lowest priced Chevy SSR insurance. You can either waste hours calling around getting price quotes or use the internet to find the lowest rates.

There are both good and bad ways to find car insurance online so we’re going to tell you the proper way to quote coverages for your Chevy and find the cheapest rates either online or from local insurance agents.

It’s a great practice to do rate comparisons at least once a year because rates are constantly changing. Even if you got the lowest price for SSR coverage a few years ago there may be better deals available now. So block out anything you think you know about car insurance because we’re going to show you how to quote online to find lower rates on car insurance.

Don’t miss these discounts

Insurance can cost an arm and a leg, but you can get discounts that you may not even be aware of. A few discounts will automatically apply at the time of quoting, but a few must be inquired about in order for you to get them. If you’re not getting every credit you qualify for, you’re paying more than you need to.

  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Early Signing – Some insurance companies reward drivers for buying a policy before your current policy expires. This can save 10% or more.
  • Braking Control Discount – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.
  • Clubs and Organizations – Being a member of a qualifying organization could qualify you for a break on insurance for SSR coverage.
  • Anti-theft System – Cars that have factory anti-theft systems prevent vehicle theft and qualify for as much as a 10% discount.

A little note about advertised discounts, most credits do not apply to the entire policy premium. Most only cut individual premiums such as collision or personal injury protection. Even though it may seem like adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will help reduce your overall premium however.

A partial list of companies who might offer some of the above discounts include:

Double check with all companies you are considering which discounts they offer. Savings may not be available everywhere.

When might I need help?

When buying adequate coverage for your personal vehicles, there isn’t really a perfect coverage plan. Everyone’s needs are different.

For example, these questions might help in determining if your situation would benefit from an agent’s advice.

  • Am I covered if I wreck a rental car?
  • Do I need special endorsements for business use of my vehicle?
  • Why is insurance for a teen driver so high?
  • Does my 2006 Chevy SSR qualify for pleasure use?
  • Am I covered when driving someone else’s vehicle?
  • Is extra glass coverage worth it?
  • Should I drop comprehensive coverage on older vehicles?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Is motorclub coverage worth it?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance coverages explained

Having a good grasp of your policy aids in choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, hail damage and fire damage. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for EMT expenses, X-ray expenses and chiropractic care. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Collision insurance

This coverage will pay to fix damage to your SSR from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as sustaining damage from a pot hole, driving through your garage door, crashing into a building, rolling your car and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on people or other property that is your fault. This coverage protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as structural damage, emergency aid, bail bonds, attorney fees and court costs. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Final thoughts

While you’re price shopping online, do not buy less coverage just to save a little money. There are a lot of situations where an insured cut physical damage coverage to discover at claim time that it was a big mistake. Your focus should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.

We just covered many tips how you can save on 2006 Chevy SSR insurance. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best prices are with a small mutual company.

Consumers leave their current company for a variety of reasons including an unsatisfactory settlement offer, delays in paying claims, questionable increases in premium or policy cancellation. No matter why you want to switch, finding a new company can be easier than you think.

Much more information about auto insurance is located below: