View 2008 Chevrolet Cobalt Insurance Quotes

Locating low-cost insurance for a new or used Chevy Cobalt can turn out to be a lot of work, but you can use these tips to find lower rates.

There is a better way to compare insurance rates so you’re going to learn the quickest way to compare rates for a Chevy and locate the best price possible from local insurance agents and online providers.

If you have insurance now or are looking for a new policy, you can use this information to find better prices and still get good coverage. Shopping for the lowest cost insurance coverage is not that difficult. Drivers just need to learn the most efficient way to compare price quotes on the web.

How to Get Auto Insurance

Comparing auto insurance rates can be a lot of work if you don’t understand the most efficient way to do it. You could spend your day discussing policy coverages with local insurance agents in your area, or you can stay home and use online quoting to get rate comparisons in just a few minutes.

Most major companies belong to a marketplace where prospective buyers only type in their quote data once, and at least one company provides a quote based on that information. This prevents consumers from doing quote forms to each company.

To find out how much you’re overpaying now click here (opens in new window).

The only downside to doing it this way is that you can’t choose which carriers to get quotes from. So if you prefer to pick from a list of companies to compare, we put together a list of low cost auto insurance companies in your area. View list of insurance companies.

However you get your quotes, make absolute certain that you use identical coverages and limits for each price quote. If you enter unequal deductibles or liability limits it will be next to impossible to truly determine the lowest rate.

Tailor your coverage to you

When it comes to buying the best insurance coverage, there really is no “perfect” insurance plan. Each situation is unique.

For instance, these questions might point out if you will benefit from professional help.

• How high should my medical payments coverage be?
• Is my teen driver covered when they drive my company car?
• Can I still get insurance after a DUI?
• Do I need to file an SR-22 for a DUI in my state?
• Does liability extend to a camper or trailer?
• Am I covered by my spouse’s policy after a separation?
• Can I afford to pay high deductible claims out of pocket?
• Which companies will insure high-risk drivers?

If it’s difficult to answer those questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

Insurance coverage breakdown

Having a good grasp of a insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and coverage can change by endorsement.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses like surgery, rehabilitation expenses, EMT expenses, pain medications and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Coverage for liability

Liability insurance provides protection from damage that occurs to a person or their property. It protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things like emergency aid, medical expenses and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like falling objects, hitting a bird and fire damage. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Chevy Cobalt.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Auto collision coverage

This pays to fix your vehicle from damage resulting from a 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 claims like backing into a parked car, scraping a guard rail, rolling your car, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from older vehicles. You can also choose a higher deductible to save money on collision insurance.