Nobody enjoys paying for auto insurance, especially when the cost is way too high. Popular companies such as GEICO and Progressive persitently shower you with fancy advertisements and consumers find it hard to see through the deception and effectively compare rates to find the best deal.
It is always a good idea to get comparison quotes before your policy renews because prices change regularly. Even if you think you had the best deal for SSR coverage two years ago there may be better deals available now. There is a lot of bad advice regarding auto insurance online, so we’re going to give you the best ways to reduce your auto insurance bill.
There are multiple methods to shop for 2005 Chevy SSR insurance, and some are more efficient than others. You could waste a few hours talking to insurance agencies in your area, or you can utilize the web to quickly compare rates.
Most car insurance companies participate in an industry program where prospective buyers only type in their quote data once, and each company then gives them pricing. This saves time by eliminating quote forms to each company.
To access this free quoting program, click here (opens in new window).
The only drawback to doing it this way is you are unable to specify which providers to get pricing from. So if you want to choose specific insurance companies to receive pricing from, we put together a list of low cost insurance companies in your area. Click to view list.
However you get your quotes, make absolute certain that you use the exact same coverage limits and deductibles on every quote you get. If you are comparing different limits and deductibles on each one it’s impossible to determine the best price for your Chevy SSR.
When it comes to buying proper insurance coverage, there isn’t really a single plan that fits everyone. Every situation is different and a cookie cutter policy won’t apply. For instance, these questions can help discover if your situation would benefit from professional advice.
If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form or go to this page to view a list of companies. It’s fast, free and may give you better protection.
Understanding the coverages of a auto insurance policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are the normal coverages found on most auto insurance policies.
This will pay to fix damage to your SSR from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.
Collision coverage protects against claims such as hitting a parking meter, rolling your car, damaging your car on a curb, colliding with another moving vehicle and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.
Liability insurance will cover damage or injury you incur to other’s property or people by causing an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability coverage protects against claims like medical services, pain and suffering, attorney fees and emergency aid. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like pain medications, nursing services and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage
Uninsured or underinsured coverage
Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Chevy SSR.
Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.
Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like hitting a deer, damage from flooding and hitting a bird. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.