Compare 2016 Chevrolet Cruze Limited Car Insurance Rates

Want the cheapest insurance rates for your Chevrolet Cruze Limited? Comparison shopping for more affordable Driversinsurance can seem to be quite difficult for people who are new to comparison shopping online. With such a large number of insurance companies available, it can easily become a challenge to locate the lowest price.

Consumers need to compare rates periodically since insurance prices tend to go up over time. Even if you got the lowest rates on Cruze Limited insurance last year there is a good chance you can find better rate quotes now. There is too much inaccurate information about insurance online but by reading this article, you’re going to learn some of the best techniques to reduce your insurance bill.

Buying car insurance is not rocket science. Just about every vehicle owner who carries auto insurance will most likely be able to save money. Nevertheless, consumers can benefit by having an understanding of the methods companies use to sell insurance online and apply this information to your search.

Ways to get auto insurance quotes

The are a couple different ways of comparing rate quotes from many different insurance companies. The recommended way to compare Chevy Cruze Limited insurance prices is to use the internet to compare rates. It is quite easy and can be accomplished in several different ways.

  1. The easiest and least time consuming way to get quotes is a comparison rater form click here to open form in new window. This quick form keeps you from doing multiple quote forms for every company. In just a few minutes this one form gets prices estimates direct from many companies. This is by far the quickest method.
  2. A less efficient way to find lower rates requires you to visit each individual company website and complete a new quote form. For sake of this example, let’s assume you want to view quotes from Allstate, 21st Century and American Family. To get each rate you have to take the time to go to each site to enter the same coverage data repeatedly, which can take a lot of time.

    For a list of links to insurance companies in your area, click here.

  3. The last way of comparing rate quotes is actually driving to each insurance agency near you. Comparing rates online can eliminate the need for a local agent unless you have a need for the peace of mind that only a licensed agent can provide. You can, however, price shop online and still use a local agent.

Take whichever approach you prefer, but be sure to compare exactly the same coverage limits and deductibles for each price quote. If you use unequal deductibles or liability limits it will be impossible to make an equal comparison. Just a small difference in insurance coverages may result in large price differences. And when price shopping your coverage, getting more free quotes helps improve the odds of finding a lower rate. Not every company allows you to get quotes online, so you need to compare quotes from those companies as well.

Misconceptions in car insurance advertisements

Car insurance companies such as Progressive, Geico, Allstate and State Farm constantly bombard you with ads in print and on television. All the ads seem to make the promise that you’ll save big if you just switch to their company. It sounds good, but how can they all make almost identical claims? You have to listen carefully.

Insurance companies provide the lowest rates for the type of driver that will add to their bottom line. For example, a profitable insured might be a married female, has a clear driving record, and drives a lower-performance vehicle. A customer that hits that “sweet spot” will qualify for the lowest auto insurance rates as well as save if they switch.

Consumers who do not match the ideal profile will get a higher premium which leads to the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everyone who quotes” can get the lowest rates when switching. That is how companies can truthfully state the savings. Different companies use different criteria so drivers must get price quotes at each policy renewal. It’s not possible to predict which insurance companies will have the best premium rates at this point in time.

Lower your insurance premiums

Multiple criteria are used in the calculation when premium rates are determined. A few of the factors are predictable like a motor vehicle report, but other criteria are not quite as obvious like your vehicle usage or how safe your car is.One of the most helpful ways to save on auto insurance is to to have a grasp of some of the factors that help determine the price you pay for auto insurance. When consumers understand what determines base rates, this empowers consumers to make smart changes that can help you get much lower annual insurance costs.

The itemized list below are some of the items used by insurance companies to determine premiums.

  • More traffic equals higher prices – Residing in areas with lower population has it’s advantages when talking about auto insurance. Drivers in populated areas have to deal with more traffic problems and higher rates of accident claims. Lower population translates into fewer accidents in addition to lower liability claims
  • High coverage deductibles equal low rates – Comprehensive and collision coverage deductibles are how much you are willing to pay if you file a covered claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some instances where coverage would apply would be collision with another vehicle, hail damage, and having a roll-over accident. The larger the amount you are required to pay out-of-pocket, the lower your rates will be on Cruze Limited insurance.
  • Prevent your car from being stolen – Selecting a car model with a theft deterrent system can save you some money. Advanced theft deterrents like OnStar, LoJack tracking, and tamper alarms all hinder car theft.
  • Better drivers pay less – Your driving record can have a huge impact on auto insurance premiums. Good drivers pay lower auto insurance prices as compared to careless drivers. Having just one chargable violation may cause rates to rise by as much as thirty percent. Drivers who have gotten severe tickets like DUI or reckless driving may need to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to legally drive.
  • Keep the miles off and save – The higher the mileage driven each year the more it will cost to insure it. A lot of companies price each vehicle’s coverage based on how the vehicle is used. Cars left parked in the garage receive lower rates than those that get driven frequently. It’s a good idea to make sure your declarations sheet is showing how each vehicle is driven, because it can save money. Improper usage on your Cruze Limited can cost quite a bit.
  • Having a spouse can lower costs – Having a wife or husband may save some money on auto insurance. Having a spouse is viewed as being more responsible it has been statistically shown that drivers who are married file infrequent claims.
  • Policy add-ons may be wasting money – There are a ton of additional coverages you can purchase if you aren’t careful. Insurance for things like vanishing deductibles, death and dismemberment, and extra life insurance coverage could be just wasting money. They may seem good when deciding what coverages you need, but your money might be better spent on other coverage so eliminate the coverages to reduce your premium.
  • Bundle policies with the same company – Many insurance companies provide lower prices to buyers who consolidate policies with them, otherwise known as a multi-policy discount. Even if you qualify for this discount already, you may still want to compare rates to confirm you are receiving the best rates possible. Drivers may still save money by buying insurance from more than one company.

Don’t miss these discounts

Not too many consumers would say insurance coverage is affordable, but there could be available discounts that can drop the cost substantially. Certain credits will be shown when you quote, but some may not be applied and must be inquired about before they will apply. If you do not double check each discount available, you may be paying too high a price.

  • Low Mileage – Low annual miles may enable drivers to earn lower premium rates on the low mileage vehicles.
  • Paperless Signup – Some larger companies give back up to $50 for buying your policy on your computer.
  • Driver Safety – Passing a defensive driver course may get you a small discount and also improve your driving technique.
  • Accident Forgiveness – This one is not really a discount per se, but a handful of insurance companies may permit one accident before they charge you more for coverage as long as you don’t have any claims for a particular time prior to the accident.
  • Resident Student – Any of your kids who are enrolled in higher education away from home without a vehicle on campus can receive lower rates.
  • Student Discount for Driver Training – Cut your cost by having your teen driver take driver’s ed class as it will make them better drivers and lower rates.
  • ABS Braking Discount – Anti-lock brake equipped vehicles are safer to drive and will save you 10% or more.
  • Seat Belt Usage – Drivers who require all occupants to use a seat belt can save up to 15% off the PIP or medical payment premium.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you may earn over 10 percent off each policy depending on the company.

A little disclaimer on discounts, most discounts do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like you can get free auto insurance, insurance coverage companies aren’t that generous. Any qualifying discounts should definitely cut the amount you have to pay.

Companies and some of their more popular discounts are outlined below.

  • Farmers Insurance includes discounts for electronic funds transfer, bundle discounts, switch companies, homeowner, and early shopping.
  • Esurance policyholders can earn discounts including Switch & Save, anti-theft, paid-in-full, Pac-12 alumni, and online quote.
  • State Farm offers discounts for multiple policy, Steer Clear safe driver discount, anti-theft, good driver, safe vehicle, and good student.
  • Geico discounts include military active duty, seat belt use, multi-vehicle, daytime running lights, anti-theft, multi-policy, and air bags.
  • Allstate may have discounts that include EZ pay plan discount, early signing, good student, passive restraint, defensive driver, safe driver, and teenSMART discount.

When getting free insurance quotes, it’s a good idea to every company how you can save money. A few discounts might not apply in your area. To see a list of companies that can offer you the previously mentioned discounts, click here.

Special considerations

When it comes to choosing the best insurance coverage coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions can aid in determining whether you could use an agent’s help.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • What is UM/UIM insurance?
  • Is my nanny covered when driving my vehicle?
  • Can I afford low physical damage deductibles?
  • Does my 2016 Chevy Cruze Limited need full coverage?
  • Do I need to file an SR-22 for a DUI in my state?
  • Is a new car covered when I drive it off the dealer lot?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form.

Car insurance coverage specifics

Knowing the specifics of car insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Medical costs insurance

Med pay and PIP coverage reimburse you for immediate expenses for things like X-ray expenses, doctor visits, surgery and pain medications. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Chevy Cruze Limited.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Liability coverage

This will cover damage that occurs to a person or their property in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 100/300/100 which stand for $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things such as court costs, medical expenses, medical services, bail bonds and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Comprehensive or Other Than Collision

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as theft, rock chips in glass, a broken windshield, vandalism and hitting a deer. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision coverage

This coverage covers damage to your Cruze Limited caused by collision with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as scraping a guard rail, colliding with a tree and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Never pay more for less

Consumers leave their current company for many reasons like policy cancellation, unfair underwriting practices, policy non-renewal or denial of a claim. Regardless of your reason for switching companies, finding a new company can be less work than you think.

Budget-conscious 2016 Chevy Cruze Limited insurance can be purchased on the web and with local insurance agents, so you need to shop insurance with both to have the best rate selection. There are still a few companies who may not offer the ability to get quotes online and many times these smaller providers provide coverage only through local independent agents.

We covered a lot of ways to save on 2016 Chevy Cruze Limited insurance. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding the cheapest insurance. Consumers could even find that the lowest prices come from a smaller regional carrier.

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