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Chevrolet Cruze Insurance Rates

You have lots of choices when comparing insurance rates on your Chevrolet vehicle. You can either contact an agent or go online to compare insurance costs of companies. Comparing car insurance by quoting online can be fast and easy and at the same time you can save money.

If you've never shopped for car insurance online, it's easy to be confused by the hoards of online companies offering insurance. There are several ways to compare rate quotes from car insurance companies in your area. One of the best ways to find the cheapest Cruze insurance cost involves getting comparison quotes online. It is quite easy and can be accomplished by getting a quick quote here.

Which factors influence the rate you pay?

Car insurance premiums paid to insure a Chevrolet Cruze will vary greatly depending on several factors. Taken into consideration are:

  • Higher performance Cruze vehicles cost more
  • Your accident history
  • Home and auto can earn discounts
  • How you use your vehicle
  • Special coverage such as replacement cost
  • Your occupation
  • The amount of protection requested
  • Whether you rent or own your home

An additional factor that can impact Cruze insurance rates is the year of the vehicle. Used vehicles have a reduced actual cash value than newer models so the costs to repair may result in lower rates. But new Chevrolet models may have safety features including blind-spot warning system, sideview assist mirrors, tire pressure monitors, and pedestrian detection so those may help offset higher rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Cruze from available model years below.

Liability coverages - This coverage provides protection from damages or injuries you inflict on a person or their property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so you should buy as much as you can afford.

Collision coverages - This coverage pays to fix your vehicle from damage from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive coverages - This covers damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured and underinsured coverage - This provides protection when the "other guys" either have no liability insurance or not enough. Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance pay for expenses such as doctor visits, EMT expenses, and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Personal Injury Protection is not universally available and may carry a deductible.

How Much are Chevrolet Cruze Insurance Rates?