Tired of scraping the payment together to insure your Chevy every month? You are in the same boat as millions of other consumers.
Lots of car insurance companies contend for your business, and it can be difficult to compare rates to discover the definitive best rate
If you are paying for car insurance now, you stand a good chance to be able to lower your premiums substantially using these techniques. Finding the best rates is quite easy. But consumers can benefit from knowing the methods companies use to price insurance differently and use this information to your advantage.
There are several ways to compare Chevy SSR auto insurance prices but there is one way that is less labor-intensive and much quicker. You could waste time discussing policy coverages with insurance companies in your area, or you can utilize online quotes to get the quickest rates.
All the larger companies enroll in a system where insurance shoppers complete one form, and at least one company then gives them pricing for coverage. This eliminates the need for quote forms for every auto insurance company.
To submit your quote information now, click here to start a free quote.
The only drawback to comparing rates this way is you are unable to specify which carriers to get quotes from. So if you want to choose individual companies to compare, we put together a list of low cost auto insurance companies in your area. Click to view list.
However you get your quotes, compare identical coverages for each comparison quote. If your comparisons have differing limits it’s not possible to determine the best price for your Chevy SSR. Slightly different insurance coverages can result in a big premium difference. Just keep in mind that comparing a large number of companies provides better odds of finding the best rates.
Insuring your vehicles can cost a lot, but there could be available discounts that can drop the cost substantially. Most are applied when you complete an application, but a few need to be specially asked for before being credited.
A little note about advertised discounts, most of the big mark downs will not be given to all coverage premiums. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like you would end up receiving a 100% discount, you’re out of luck. Any qualifying discounts will help reduce your premiums.
Companies that may have these discounts include:
Double check with each company which discounts they offer. Discounts might not apply everywhere.
When it comes to buying proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Every situation is different so your insurance needs to address that. These are some specific questions might point out whether your personal situation would benefit from professional advice.
If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.
An important part of buying insurance is that you know the rating factors that play a part in calculating your car insurance rates. Having a good understanding of what controls the rates you pay allows you to make educated decisions that can help you get better car insurance rates.
Shown below are a partial list of the pieces companies use to determine your rates.
Auto insurance providers like Allstate and Progressive constantly bombard you with ads on TV and radio. They all make an identical promise of big savings if you switch your policy. How does each company make the same claim? This is how they do it.
Different companies have a preferred profile for the type of driver that is profitable for them. For instance, a desirable insured could possibly be over the age of 50, insures multiple vehicles, and drives newer vehicles. A customer getting a price quote that hits that “sweet spot” receives the best rates and most likely will cut their rates substantially.
Consumers who fall outside the requirements will be charged higher rates which leads to business going elsewhere. The ads state “customers that switch” but not “drivers who get quotes” save money. That is how companies can advertise the way they do.
That is why you absolutely need to get as many comparisons as possible. It’s just too difficult to predict which company will give you the biggest savings on Chevy SSR insurance.
Understanding the coverages of insurance can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages available from insurance companies.
Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as fire damage, damage from getting keyed, hitting a bird and a tree branch falling on your vehicle. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.
Collision coverage – This coverage pays for damage to your SSR resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.
Collision insurance covers things such as scraping a guard rail, crashing into a building and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also bump up the deductible to bring the cost down.
Medical costs insurance – Med pay and PIP coverage provide coverage for immediate expenses such as funeral costs, pain medications and dental work. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible
Coverage for liability – Liability coverage provides protection from injuries or damage you cause to people or other property. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.
Liability insurance covers claims such as repair bills for other people’s vehicles, court costs, structural damage and funeral expenses. The amount of liability coverage you purchase is up to you, but buy as much as you can afford.
UM/UIM Coverage – This gives you protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Chevy SSR.
Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently these coverages are similar to your liability insurance amounts.
As you shop your coverage around, it’s a bad idea to reduce needed coverages to save money. There have been many situations where someone dropped uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage at a price you can afford while still protecting your assets.
We covered many tips how you can lower your 2004 Chevy SSR insurance rates. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even find the lowest priced insurance coverage comes from some of the lesser-known companies. They may only write in your state and offer lower rates than their larger competitors like State Farm, GEICO and Nationwide.
Affordable insurance is definitely available both online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some insurance providers do not provide the ability to get a quote online and usually these smaller companies provide coverage only through local independent agents.