2013 Chevrolet Captiva Sport Insurance Rates

Looking for the cheapest insurance rates for your Chevrolet Captiva Sport? Are you tired of scraping the payment together to insure your Chevy every month? You are in the same boat as many other drivers.

Insurance companies such as Allstate and Progressive continually bombard you with ad campaigns and it can be hard to ignore the flying pigs and cute green geckos and effectively compare rates to find the best deal.

Smart consumers take time to compare rates on a regular basis since rates change regularly. Even if you think you had the lowest price for Captiva Sport insurance two years ago the chances are good that you can find a lower rate today. You can find a lot of wrong information about insurance on the internet, so with this article, you’re going to get some solid techniques on how to buy insurance cheaper.

If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using these techniques. Choosing the best insurance company for you is not that difficult. Nevertheless, car owners should learn the methods companies use to price online insurance.

Chevy Captiva Sport insurance rates have many determining factors

Consumers need to have an understanding of the rating factors that go into determining the price you pay for car insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

  • Equipment add-ons that lower car insurance rates – Choosing a vehicle with anti-theft technology or alarm system can save you a little every year. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores can get you lower premiums. These vehicles reduce injuries and fewer injuries translates into savings for insurance companies and lower rates for you. If your Chevy has ratings of a minimum four stars on Safercar.gov it is probably cheaper to insure.
  • The more you drive the more you pay – The more miles you rack up on your Chevy in a year the higher your rate. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Autos that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Verify your car insurance policy properly reflects how each vehicle is driven. If your policy improperly rates your Captiva Sport may be wasting your money.
  • Don’t buy coverages you don’t need – There are many extra coverages you can purchase on your Captiva Sport policy. Coverages like personal injury protection, better glass coverage and term life insurance may be costing you every month. These coverages may sound good at first, but if they’re wasting money get rid of them and save.

More discounts equal less premium

Car insurance can cost a lot, but you may find discounts that can drop the cost substantially. A few discounts will automatically apply when you purchase, but a few must be specially asked for in order for you to get them.

  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount for Captiva Sport insurance with a few auto insurance companies.
  • Organization Discounts – Belonging to a qualifying organization could qualify you for a break when shopping for auto insurance for Captiva Sport insurance.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use their safety belts could save 15% off your medical payments premium.
  • Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.
  • Good Student – A discount for being a good student can save 20 to 25%. This discount can apply up to age 25.
  • College Student – Any of your kids who attend school more than 100 miles from home and do not have access to a covered vehicle can receive lower rates.

Consumers should know that some credits don’t apply to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. So when the math indicates you can get free auto insurance, it just doesn’t work that way. Any amount of discount will cut your premiums.

Car insurance companies that possibly offer these discounts include:

It’s a good idea to ask every prospective company what discounts are available to you. Discounts may not be available in your area.

Drivers who switch save $472 a year? Really?

Progressive, Allstate and Geico continually stream ads on television and other media. All the companies say the same thing that you can save after switching your coverage to them. But how can every company make the same claim?

All the different companies have a certain “appetite” for the right customer that makes them money. An example of a driver they prefer could be between 25 and 40, a clean driving record, and has a short commute. A customer getting a price quote who fits that profile receives the best rates and therefore will save quite a bit of money when switching.

Potential insureds who fall outside the requirements will have to pay higher rates which leads to the driver buying from a lower-cost company. The ads say “customers who switch” but not “drivers who get quotes” save that kind of money. That’s why companies can truthfully state the savings.

Because of the profiling, you absolutely need to get quotes from several different companies. Because you never know the company that will have the lowest Chevy Captiva Sport insurance rates.

It’s not one size fits all

When buying coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s needs are different and your policy should reflect that. These are some specific questions might help in determining whether your personal situation might need an agent’s assistance.

  • Exactly who is provided coverage by my policy?
  • Do I need PIP coverage since I have good health insurance?
  • Should I buy additional glass protection?
  • What can I do if my company denied a claim?
  • I don’t drive much so do I pay less?
  • How do I insure my teen driver?
  • What is an SR-22 filing?
  • What are the best liability limits?

If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Auto insurance coverage information

Having a good grasp of your policy helps when choosing the best coverages for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are typical coverage types offered by insurance companies.

Collision coverages – This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, hitting a parking meter, rolling your car and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Liability car insurance – This will cover damage or injury you incur to people or other property in an accident. It protects YOU from legal claims by others. Liability 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. You might see liability limits of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like structural damage, emergency aid and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Captiva Sport.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Comprehensive coverage – This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, hitting a bird and hail damage. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for things like chiropractic care, ambulance fees, funeral costs, rehabilitation expenses and hospital visits. They are used in conjunction with a health insurance program 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 coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Final thoughts

Throughout this article, we presented a lot of information how to save on 2013 Chevy Captiva Sport insurance. The key concept to understand is the more you quote, the better your chances of lowering your rates. You may be surprised to find that the lowest priced auto insurance comes from a small local company. These companies often have lower prices on specific markets than their larger competitors like Geico and State Farm.

When shopping online for auto insurance, you should never buy less coverage just to save a little money. Too many times, someone sacrificed physical damage coverage and learned later that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage for the lowest price while still protecting your assets.

Additional detailed information can be read at these sites: