Cheaper 2011 Chevrolet Cruze Car Insurance Rates

Buying the most affordable insurance on the web is challenging for consumers new to price shopping online. With so many companies in the marketplace, how can consumers have a chance to compare every company to locate the best available rates?

These factors can influence what you pay for Chevy Cruze insurance

It’s important that you understand the rating factors that go into determining insurance coverage rates. When you know what positively or negatively impacts premium levels enables informed choices that can help you get lower insurance coverage prices.

Listed below are some of the factors insurance coverage companies consider when setting your rates.

  • Men are more aggressive – The statistics show women tend to be less risk to insure than men. However, don’t assume that women are BETTER drivers than men. Men and women cause accidents at about the same rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations like reckless driving and DUI.
  • Occupation reflects on rates – Did you know your insurance coverage rates can be affected by your occupation? Occupations such as doctors, business owners and dentists are shown to have the highest average rates due to high stress and lots of time spent at work. Other occupations like pilots, historians and homemakers pay the least for Cruze coverage.
  • Safe vehicles cost less to insure – Safer cars get lower rates. The safest vehicles result in less severe injuries and lower injury rates means lower claim amounts and thus lower rates. If the Chevy Cruze scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you are probably receiving a discount.
  • Equipment add-ons that lower insurance coverage rates – Purchasing a vehicle with a theft deterrent system can help bring down rates. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your vehicle from being stolen.
  • A lapse in coverage is a bad thing – Driving without insurance is a misdemeanor and you will pay a penalty because you let your coverage have a gap. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a steep fine or even jail time.You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Don’t skimp on liability – Liability insurance is the coverage that protects you if you are found to be at fault for damages caused by your negligence. Liability provides you with a defense in court starting from day one. Carrying liability coverage is mandatory and cheap compared to physical damage coverage, so drivers should carry high limits.

Comparison of Auto Insurance

To find the best auto insurance prices, there are several ways to compare rate quotes from auto insurance companies in your area. The easiest way to find competitive 2011 Chevy Cruze insurance rates is to get quotes online. This can be done in just a few minutes using one of these methods.

  1. Probably the best way to get the best comparison quotes is to use a rate comparison form click to view form in new window. This type of form keeps you from doing separate quote forms for each company. One form will return price quotes from all major companies. This is perfect if you don’t have a lot of time.
  2. A more time consuming way to find lower rates requires visiting the website for every company you want to comare and request a quote. For instance, let’s say you want to compare rates from Progressive, State Farm and GMAC. You would have to take the time to go to each site and enter your policy data, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

Whichever way you use, ensure you are comparing apples-to-apples quote information with each company. If your comparisons have differing limits it will be very difficult to truly determine the lowest rate. Having just a slight variation in coverages may result in large price differences. It’s important to know that comparing more company’s prices helps locate lower pricing.

Discounts mean cheaper Chevy Cruze insurance rates

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not even be aware of. Certain discounts will be applied when you quote, but less common discounts must be manually applied before they will apply.

  • Payment Method – If paying your policy premium upfront instead of monthly or quarterly installments you may reduce your total bill.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with lower rates on the low mileage vehicles.
  • Accident Forgiveness – Some insurance companies will forgive one accident without raising rates so long as you haven’t had any claims prior to the accident.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes can reduce accidents and therefore earn up to a 10% discount.
  • Homeowners Discount – Simply owning a home may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Early Signing – Select companies give a discount for buying a policy prior to your current policy expiring. This can save 10% or more.
  • Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save up to 15% off your medical payments premium.
  • Drive Safe and Save – Drivers who don’t get into accidents may save up to 50% more for Cruze coverage than drivers with accidents.
  • New Vehicle Savings – Adding a new car to your policy is cheaper since new cars are generally safer.
  • Bundle and Save – When you combine your home and auto insurance with the same company you may save 10% to 20% off each policy.

Drivers should understand that many deductions do not apply the the whole policy. Most only reduce the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck. But all discounts will reduce the cost of coverage.

Companies who might offer these money-saving discounts may include but are not limited to:

It’s a good idea to ask all companies you are considering how you can save money. Some discounts might not be offered everywhere.

Tailor your coverage to you

When it comes to buying adequate coverage, there isn’t really a best way to insure your cars. Every situation is different.

Here are some questions about coverages that could help you determine if your insurance needs might need an agent’s assistance.

  • Does coverage extend to Mexico or Canada?
  • Should I waive the damage coverage when renting a car?
  • Why am I required to get a high-risk car insurance policy?
  • Can I still get insurance after a DUI?
  • Is my cargo covered for damage or theft?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I covered if I drive in a foreign country?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, simply complete this short form.

Insurance coverage basics

Knowing the specifics of a insurance policy can be of help when determining which coverages you need for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Chevy Cruze.

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. For this reason, having high UM/UIM coverages is very important. Normally these limits are similar to your liability insurance amounts.

Comprehensive or Other Than Collision – This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things such as hail damage, damage from flooding, vandalism, theft and rock chips in glass. The maximum amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision coverage – Collision insurance pays for damage to your Cruze resulting from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as driving through your garage door, sideswiping another vehicle, damaging your car on a curb, scraping a guard rail and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for things like dental work, rehabilitation expenses, ambulance fees and nursing services. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants and will also cover being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverage – Liability insurance protects you from injuries or damage you cause to a person or their property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as repair bills for other people’s vehicles, bail bonds and emergency aid. How much coverage you buy is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Do the work, save more money

Cheap 2011 Chevy Cruze insurance can be sourced on the web and with local insurance agents, and you need to comparison shop both to have the best rate selection. Some insurance companies do not offer the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

Drivers who switch companies do it for a variety of reasons including being labeled a high risk driver, denial of a claim, lack of trust in their agent or unfair underwriting practices. Whatever your reason, switching car insurance companies can be easy and end up saving you some money.

Throughout this article, we presented quite a bit of information on how to shop for insurance online. The most important thing to understand is the more times you quote, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with the least-expected company.

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