Save on 2017 Chevrolet Cruze Insurance Quotes

Trying to find the cheapest auto insurance rates for your Chevrolet Cruze? Have you finally had enough of trying to scrape together enough money to make your auto insurance payment? Your situation is no different than many other drivers. Lots of auto insurance companies contend for your insurance dollar, so it’s not easy to compare every insurance company and uncover the absolute best rates possible.

If you are insured now or need a new policy, you can use these tips to find the best rates and possibly find even better coverage. Choosing the best insurance company for you is not rocket science. Consumers only need an understanding of how to shop for insurance coverage over the internet.

Discounts can really help lower premiums

Companies that sell car insurance don’t always list the entire discount list very well, so below is a list a few of the more common in addition to some of the lesser obvious discounts that may be available. If you don’t get every credit possible, you are not getting the best rate possible.

  • Senior Discount – Seniors are able to get lower premium rates on Cruze coverage.
  • Membership in Organizations – Affiliation with certain professional organizations could qualify you for a break on your next car insurance statement.
  • Home Ownership Discount – Being a homeowner may earn you a small savings since owning and maintaining a home requires personal responsibility.
  • New Vehicle Savings – Putting coverage on a new car can save you some money because new vehicles keep occupants safer.
  • Drivers Ed for Students – Teen drivers should participate in a local driver’s education class as it can save substantially.
  • Passive Restraints – Vehicles equipped with air bags or motorized seat belts could see savings of 20 to 30 percent.
  • Good Student Discount – This discount can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • Low Miles Discount – Keeping the miles down on your Chevy could be rewarded with substantially lower car insurancerates.
  • Seat Belts Save more than Lives – Drivers who require all vehicle occupants to buckle their seat belts can save up to 15% off the personal injury premium cost.

A little disclaimer on discounts, some credits don’t apply to the overall cost of the policy. Some only apply to specific coverage prices like medical payments or collision. Even though it appears it’s possible to get free car insurance, nobody gets a free ride.

Car insurance companies who may offer most of these discounts include:

Check with each company which discounts they offer. Some discounts may not be available in your area. To see companies that offer the discounts shown above, click this link.

Smart buyers can slash their insurance costs

Multiple criteria are taken into consideration when you get your auto insurance bill. Some of the criteria are obvious like your driving record, but other factors are less apparent like your vehicle usage or how safe your car is.

The list below includes a few of the “ingredients” used by companies to determine prices.

  • Good drivers pay the best prices – Having a single moving violation can boost insurance rates forty percent or more. Good drivers pay lower auto insurance prices than bad drivers. Drivers unfortunate enough to have serious violations such as DUI, reckless driving or excessive speeding may find that they have to to prove financial responsibility with their state in order to keep their license.
  • Consolidate policies with the same company – The majority of insurers afford better rates to policyholders that have more than one policy such as combining an auto and homeowners policy. The amount of the discounts can be ten or even up to twenty percent in some cases. Even if you’re getting this discount consumers should still compare rates to ensure the best deal.
  • The higher your credit score the lower your prices – An insured’s credit rating is a big factor in determining what you pay. So if your credit score could use some work, you may save money insuring your 2017 Chevrolet Cruze if you improve your credit rating. Insureds with very high credit ratings tend to be less risk to insure as compared to drivers with lower credit scores.
  • Too many auto insurance claims drive up prices – Companies generally give discounts to insureds who are claim-free. If you frequently file small claims, you can definitely plan on much higher rates or policy non-renewal. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • High deductibles save money – Comp and collision deductibles define how much you are required to pay if you file a covered claim. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Some examples of claims that would be covered could be a windshield broken by a bird, animal collisions, and having a roll-over accident. The more of the claim you pay before a claim is paid (deductible), the better rate you will receive on Cruze coverage.

Will just any policy work for me?

When it comes to choosing coverage for your personal vehicles, there really is no single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions may help you determine if your situation would benefit from professional advice.

  • How much underlying liability do I need for an umbrella policy?
  • When can my company non-renew my policy?
  • Do I need PIP coverage since I have good health insurance?
  • Can I make deliveries for my home business?
  • Am I insured when driving a different vehicle?
  • What if I owe more than I can insure my car for?
  • Will my vehicle be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Be skeptical of auto insurance ads

Drivers can’t get away from ads that promise big savings by companies like Allstate, Geico and Progressive. They all seem to advertise claims of big savings if you move to them.

It sounds good, but how can they all make almost identical claims? It’s all in the wording.

Insurance providers have underwriting criteria for the type of customer that makes them money. One example of a preferred risk could be over the age of 50, owns a home, and has great credit. A customer getting a price quote who matches that profile will get low car insurance rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who do not meet the ideal profile will have to pay a higher premium which usually ends up with business going elsewhere. The trick companies use is to say “people who switch” not “everyone that quotes” save the amount stated. This is how insurance companies can make those claims.

That is why drivers should do a price quote comparison at every renewal. Because without a comparison, you cannot know the company that will have the lowest rates.

Auto insurance policy specifics

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the normal coverages offered by auto insurance companies.

Insurance for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses for things like funeral costs, hospital visits and EMT expenses. They are used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

Liability coverage will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things like court costs, pain and suffering, emergency aid and medical expenses. How much coverage you buy is a decision to put some thought into, but you should buy higher limits if possible.

Collision protection

Collision insurance pays for damage to your Cruze caused by collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, driving through your garage door, damaging your car on a curb and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, damage from a tornado or hurricane and rock chips in glass. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your Chevy Cruze.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Smart consumers save more

Throughout this article, we presented a lot of tips how to save on 2017 Chevy Cruze insurance. The key concept to understand is the more rate quotes you have, the better your chances of lowering your premium rates. Drivers may discover the biggest savings come from some of the smallest insurance companies. These companies often have lower premium rates on specific markets compared to the large companies like State Farm and Allstate.

Cheap 2017 Chevy Cruze insurance can be bought from both online companies in addition to local insurance agencies, so get free auto insurance quotes from both of them to have the best selection. Some insurance companies may not have online rate quotes and usually these smaller companies sell through independent insurance agencies.

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