2015 Chevrolet Cruze Car Insurance Quotes – 8 Tips for Cheaper Rates

Want better insurance coverage rates for your Chevrolet Cruze? Overpriced Chevrolet Cruze insurance can drain your checking account, especially in this economy. Doing a price comparison is a smart way to cut your insurance bill. Numerous auto insurance companies battle for your business, so it can be very hard to choose a provider and get the best coverage at the best price available.

If you have a current insurance policy or are shopping for new coverage, you can follow these tips to find better prices and still get good coverage. Buying car insurance is not that difficult. Consumers just need to learn the best way to shop their coverage around over the internet.

You probably qualify for some discounts

Car insurance can cost a lot, but companies offer discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but a few need to be asked for before you get the savings. If you don’t get every credit you qualify for, you are throwing money away.

  • One Accident Forgiven – A handful of insurance companies permit an accident without raising rates if you are claim-free prior to the accident.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get reduced rates on Cruze insurance.
  • Low Mileage – Fewer annual miles on your Chevy can earn discounted rates on garaged vehicles.
  • Federal Employees – Being employed by or retired from a federal job could cut as much as 10% off on Cruze insurance with certain companies.
  • Auto/Home Discount – When you have multiple policies with one company you will save 10% to 20% off each policy.
  • Student in College – Kids in college who are attending college and do not have a car may qualify for this discount.
  • Discount for Life Insurance – Larger companies have a break if you buy auto and life insurance together.
  • Good Student – A discount for being a good student can save 20 to 25%. This discount can apply until age 25.

As a disclaimer on discounts, some of the credits will not apply to the entire cost. The majority will only reduce individual premiums such as medical payments or collision. So when the math indicates all the discounts add up to a free policy, auto insurance companies aren’t that generous. But all discounts will help reduce the cost of coverage.

To see a list of insurers with the best auto insurance discounts, click here to view.

Insurance Comparison Rates

Shopping for lower insurance rates can be exhausting if you aren’t aware of the best way to get rate quotes. You could waste a few hours discussing policy coverages with agents in your area, or you could save time and use online quoting to achieve your goal.

Many companies participate in an industry program where insurance shoppers submit one quote, and each participating company then gives them pricing based on that data. This prevents consumers from doing quote forms for each company you want a rate for.

To use this form to compare 2015 Chevy Cruze insurance rates click here to start a free quote.

The one disadvantage to getting quotes like this is that you can’t choose which providers you want to price. So if you prefer to pick specific providers for rate comparison, we have a page of the cheapest insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but make absolute certain that you use identical information for every company. If you compare differing limits then you won’t be able to determine which rate is truly the best.

There’s no such thing as the perfect policy

When it comes to buying the best auto insurance coverage, there is no one size fits all plan. Every situation is different so this has to be addressed. For instance, these questions may help you determine if your insurance needs would benefit from an agent’s advice.

  • I have good health insurance, so how much medical payments coverage do I need?
  • Should I drop comprehensive coverage on older vehicles?
  • If my pet gets injured in an accident are they covered?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How high should my medical payments coverage be?
  • What is roadside assistance coverage?
  • Am I insured when driving a different vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

Insurance coverages 101

Learning about specific coverages of your insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Below you’ll find the usual coverages offered by insurance companies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for dental work, pain medications, nursing services and ambulance fees. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Collision coverage

This will pay to fix damage to your Cruze caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like sustaining damage from a pot hole, driving through your garage door, hitting a parking meter, sideswiping another vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability

Liability coverage can cover damage that occurs to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like medical expenses, emergency aid, funeral expenses, loss of income and structural damage. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like hitting a bird, damage from flooding and fire damage. The most your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection when other motorists 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.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Power to the consumer

You just learned some good ideas how to lower your 2015 Chevy Cruze insurance rates. The key thing to remember is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from an unexpected company. These smaller insurers may only write in your state and offer lower rates than their larger competitors like Allstate or State Farm.

As you go through the steps to switch your coverage, it’s not a good idea to buy poor coverage just to save money. There are many occasions where an insured cut uninsured motorist or liability limits to discover at claim time that they should have had better coverage. Your strategy should be to buy enough coverage at an affordable rate while not skimping on critical coverages.

Cost effective insurance can be found from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance companies don’t offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

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