How Much Does 2016 Chevrolet Cruze Insurance Cost?

Searching for the cheapest car insurance rates for your Chevrolet Cruze? Sick and tired of trying to scrape together enough money to pay your car insurance bill each month? You are in the same boat as many other drivers.

Multiple insurance companies compete to insure your vehicles, so it can be very hard to choose a provider and uncover the absolute lowest rate

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these techniques. Buying car insurance is quite easy. But consumers must comprehend how insurance companies market insurance on the web because it can help you find the best coverage.

Which Insurance Coverage is Cheapest?

There are multiple methods to shop for 2016 Chevy Cruze insurance coverage, but one way is more efficient than others. You could waste a few hours driving to insurance companies in your area, or you can utilize online quoting to get prices fast.

Many popular insurance companies belong to an insurance system that enables customers to enter their policy data once, and each participating company returns a rated price determined by their information. This system prevents you from having to do form submissions for each company.

To enter your information into the quoting system, click here to open in new window.

The only drawback to using this type of system is buyers cannot specifically choose the insurers to receive prices from. So if you prefer to choose specific providers to compare rates, we have a page of companies who write insurance coverage in your area. View list of insurance companies.

Which method you use is up to you, but compare exactly the same coverages and limits on every quote you get. If you are comparing higher or lower deductibles you will not be able to determine which rate is truly the best. Having just a slight variation in limits may cause a big price difference. Just keep in mind that getting more free quotes helps locate better pricing.

Chevy Cruze rates are complex

Smart consumers have a good feel for the rating factors that play a part in calculating the price you pay for insurance. Having a good understanding of what influences your rates enables informed choices that can help you get better insurance rates.

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

  • Your job and insurance rates – Jobs such as doctors, architects and accountants are shown to have higher rates than average in part from high stress and long work days. On the flip side, occupations like scientists, athletes and retirees pay the least for Cruze coverage.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles protect occupants better and better occupant protection translates into savings for insurance companies and thus lower rates. If your Chevy Cruze has ratings of a minimum 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.
  • Do you have enough liability coverage? – Your policy’s liability coverage provides coverage if ever you are found liable for damages from an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
  • The more you drive the more you pay – Driving more miles in a year’s time the higher your rates will be. The majority of insurers apply a rate based on how the vehicle is used. Vehicles not used for work or commuting receive lower rates than vehicles that are driven to work every day. If your policy improperly rates your Cruze may be costing you. Ask your agent if your insurance coverage properly reflects the proper vehicle usage, because improper ratings can cost you money.
  • Teen drivers pay high rates – More mature drivers tend to be more responsible, tend to file fewer claims and tend to be better behind the wheel. Teenage drivers tend to be careless and easily distracted when driving therefore insurance rates are much higher.

Cut your insurance rates with discounts

The price of auto insurance can be rather high, but companies offer discounts to help offset the cost. Certain discounts will be triggered automatically when you quote, but lesser-known reductions have to be asked about before you get the savings.

  • Service Members Pay Less – Being deployed with a military unit could be rewarded with lower premiums.
  • Driver Safety – Completing a course in driver safety can save you 5% or more if your company offers it.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may save up to 20% off your total premium.
  • No Claims – Drivers with accident-free driving histories pay much less compared to bad drivers.
  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Cruze coverage than less cautious drivers.
  • Life Insurance Discount – Companies who offer life insurance give a break if you buy life insurance.

Drivers should understand that some of the credits will not apply to the entire cost. Some only apply to specific coverage prices like liability and collision coverage. Even though it may seem like you can get free auto insurance, you’re out of luck. But any discount will help reduce the amount you have to pay.

For a list of insurance companies with discount insurance rates, follow this link.

You are unique and your car insurance should be too

When it comes to buying coverage for your personal vehicles, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For example, these questions could help you determine if you may require specific advice.

  • What is medical payments coverage?
  • What is roadside assistance coverage?
  • How do I buy GAP insurance?
  • What are the best liability limits?
  • Do I have coverage when pulling a U-Haul trailer?
  • How much liability coverage do I need in my state?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Auto insurance coverage considerations

Understanding the coverages of auto insurance can be of help when determining which coverages you need at the best deductibles and correct limits. Auto insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on the average auto insurance policy.

Coverage for medical expenses

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for dental work, pain medications and nursing services. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Auto liability insurance

Liability insurance provides protection from damages or injuries you inflict on people or other property. It protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as legal defense fees, structural damage, medical expenses, attorney fees and medical services. How much liability coverage do you need? That is your choice, but buy as much as you can afford.

Collision coverage

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

Collision coverage pays for things such as crashing into a ditch, hitting a mailbox, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive auto insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, a broken windshield and damage from flooding. The most your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy Cruze.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

What is YOUR best insurance company?

As you go through the steps to switch your coverage, don’t be tempted to buy poor coverage just to save money. In many instances, drivers have reduced full coverage to discover at claim time that they should have had better coverage. The proper strategy is to buy enough coverage at the best price while still protecting your assets.

Lower-priced 2016 Chevy Cruze insurance is attainable both online as well as from independent agents, so you should be comparing quotes from both to have the best rate selection. Some insurance companies don’t offer online quoting and many times these smaller companies only sell through independent insurance agents.

We covered many ways to shop for insurance online. It’s most important to understand that the more you quote, the better your comparison will be. Consumers could even find that the biggest savings come from a small mutual company. Some small companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm or Progressive.

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