2014 Chevrolet Cruze Insurance Rates – 9 Savings Tips

Want lower insurance coverage rates for your Chevrolet Cruze? Feel like you’re a prisoner to high-priced insurance coverage? Trust us, you’re not the only one. Drivers have multiple insurers to pick from, and even though it’s nice to have a selection, too many choices makes it more difficult to find the lowest rates.

It is always a good idea to get comparison quotes periodically because insurance rates change regularly. Despite the fact that you may have had the best deal for Cruze insurance six months ago you will most likely find a better rate today. Forget anything you know (or think you know) about insurance coverage because I’m going to let you in on the secrets to how to use online quotes to eliminate unnecessary coverages and save money.

Locating affordable protection is not that difficult. If you are insured now or are shopping for new coverage, you can follow these tips to get lower rates and possibly find even better coverage. Vehicle owners only need an understanding of the most effective way to shop for car insurance online.

Free Car Insurance Quotes

Comparing car insurance rates can be a lot of work if you aren’t aware of the easiest way. You can waste hours talking about coverages with local insurance agents in your area, or you could use online quotes to get prices fast.

Most of the larger companies take part in a program where prospective buyers submit their information once, and at least one company returns a rated price. This prevents consumers from doing form submissions to each individual car insurance company.

To find out how much you can save on car insurance click here (opens in new window).

One minor caviat to using this type of system is buyers cannot specifically choose which insurance companies to get quotes from. So if you want to choose from a list of companies to receive pricing from, we have a page of car insurance companies in your area. View list of insurance companies.

However you get your quotes, make sure you use identical quote information with every price quote. If your comparisons have different liability limits then you won’t be able to make a fair comparison for your Chevy Cruze.

Are you getting all your discounts?

Car insurance can cost a lot, buy you may qualify for discounts to help offset the cost. Larger premium reductions will be automatically applied when you purchase, but some may not be applied and must be asked for before being credited. If you don’t get every credit you qualify for, you’re just leaving money on the table.

  • Drivers Education – Require your teen driver to take driver’s ed class in high school.
  • Payment Discounts – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
  • Defensive Driver – Successfully completing a course in driver safety could save 5% or more if you qualify.
  • Multi-car Discount – Insuring more than one vehicle on one policy could earn a price break for each car.
  • Discount for New Cars – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Accident Free – Claim-free drivers pay less when compared with frequent claim filers.
  • Good Student – Getting good grades can save 20 to 25%. The good student discount can last until age 25.
  • Distant Student – Children who attend school more than 100 miles from home without a vehicle on campus can be insured at a reduced rate.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.

Keep in mind that many deductions do not apply to your bottom line cost. Most cut the price of certain insurance coverages like liability, collision or medical payments. Even though it may seem like adding up those discounts means a free policy, companies wouldn’t make money that way. Any qualifying discounts will cut your premiums.

Car insurance companies that may have these benefits include:

Double check with all companies you are considering which discounts you may be entitled to. Some discounts may not apply in every state.

When might I need an agent?

When it comes to choosing the best insurance coverage, there isn’t really a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. For instance, these questions might help in determining if you could use an agent’s help.

  • Does my medical payments coverage pay my health insurance deductible?
  • Is my trailer covered?
  • Is my nanny covered when driving my vehicle?
  • What companies insure drivers after a DUI or DWI?
  • Can I afford low physical damage deductibles?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does my insurance cover a custom paint job?
  • Do I have coverage when using my vehicle for my home business?
  • Should I drop comprehensive coverage on older vehicles?
  • Why does it cost so much to insure a teen driver?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Switch companies and save? Really?

Drivers get pounded daily by advertisements for the lowest price auto insurance by companies like Allstate and Progressive. All the ads make the same claim that you’ll save big if you move to them.

But how can every company say the same thing? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of driver that makes them money. An example of a driver they prefer could possibly be over the age of 50, a clean driving record, and has excellent credit. A customer who fits that profile will get the preferred rates and most likely will save when switching.

Consumers who don’t measure up to the requirements will be charged a more expensive rate 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 much money. That is how insurance companies can confidently claim big savings.

That is why you need to get quotes from several different companies. It’s just too difficult to predict which insurance coverage company will have the lowest Chevy Cruze insurance rates.

Insurance coverages 101

Understanding the coverages of a insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the normal coverages found on most insurance policies.

Collision protection

Collision coverage will pay to fix damage to your Cruze resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as damaging your car on a curb, rolling your car, hitting a parking meter, backing into a parked car and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverages

This coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, rock chips in glass, hitting a deer, falling objects and theft. The highest amount your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability insurance

This protects you from damages or injuries you inflict on other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as emergency aid, structural damage and medical expenses. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Chevy Cruze.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually these limits are set the same as your liablity limits.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses for things like dental work, hospital visits, chiropractic care and prosthetic devices. They can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Saving money makes a lot of cents

When you buy insurance online, it’s not a good idea to skimp on coverage in order to save money. There have been many cases where an accident victim reduced liability limits or collision coverage only to regret that the few dollars in savings costed them thousands. The proper strategy is to purchase a proper amount of coverage for the lowest price.

Cheaper 2014 Chevy Cruze insurance can be bought on the web as well as from independent agents, and you should compare price quotes from both to have the best chance of lowering rates. There are still a few companies who don’t offer you the ability to get quotes online and most of the time these small, regional companies sell through independent agents.

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