2013 Chevrolet Volt Insurance Quotes – 9 Tips for Best Rates

Searching for low-cost insurance for your Chevy Volt could be a lot of work, but you can use these tips and make it easy. There is a better way to find insurance online so we’re going to tell you the absolute fastest way to compare rates for a Chevy and find the best price possible from local insurance agents and online providers.

If you have insurance now or need a new policy, you can use these techniques to cut your premiums while maximizing coverage. Shopping for cheaper insurance coverage coverage is not that difficult. Drivers only need to know the tricks to find the lowest price online.

How to Lower Your Auto Insurance Cost

Performing a rate comparison can be a daunting task if you don’t know the most efficient way to do it. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you can stay home and use the web to get pricing more quickly.

All the larger companies participate in an industry program that enables customers to complete one form, and each participating company can give them a price. This eliminates the need for quotation requests for every auto insurance company.

To find out what other companies charge for 2013 Chevy Volt insurance click here to open in new window.

The only downside to getting quotes like this is you don’t know exactly which companies to receive prices from. So if you prefer to pick individual companies to request quotes from, we have a listing of the cheapest auto insurance companies in your area. Click here to view list.

Whichever method you choose, compare the exact same coverages for each price quote. If you use different liability limits you can’t possibly truly determine the lowest rate.

Pay less by taking advantage of these nine discounts

Companies do not list all available discounts very clearly, so here is a list both the well known as well as the least known savings tricks you should be using. If you’re not getting every credit you deserve, you’re just leaving money on the table.

  • Service Members Pay Less – Being on active duty in the military can result in better rates.
  • Low Mileage – Keeping the miles down on your Chevy can earn lower rates on the low mileage vehicles.
  • Multi-policy Discount – When you combine your home and auto insurance with one company you may earn 10% to 20% off each policy.
  • Defensive Driver – Taking a defensive driving course could cut 5% off your bill if you qualify.
  • Multiple Vehicles – Buying coverage for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Payment Discounts – By paying your policy upfront instead of making monthly payments you could save up to 5%.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to complete a driver education course in school.
  • No Claims – Good drivers with no accidents can earn big discounts compared to accident-prone drivers.
  • Passive Restraints – Cars that have air bags or motorized seat belts can get savings of up to 25% or more.

It’s important to understand that most discounts do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

Car insurance companies that possibly offer these benefits are:

Double check with each company which discounts you may be entitled to. Savings may not be available in every state.

Your coverage should be tailored to you

When choosing coverage, there really is not a perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that might point out whether you would benefit from professional advice.

  • What should my uninsured motorist coverage limits be in my state?
  • Should I carry comprehensive and collision coverage?
  • Should I put collision coverage on all my vehicles?
  • How much liability coverage do I need in my state?
  • What if I don’t agree with a claim settlement offer?
  • Do I have coverage if my license is suspended?
  • Is a fancy paint job covered?
  • Am I covered if I crash into my own garage door?
  • Why am I required to buy liability insurance?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.

Do drivers who switch really save?

Drivers get pounded daily by advertisements that promise big savings from the likes of Progressive, Allstate and GEICO. They all have a common claim that you can save if you change your coverage to them.

But how can every company say the same thing?

All companies have a certain “appetite” for the type of customer that makes them money. A good example of a profitable customer could be over the age of 40, is a homeowner, and drives less than 10,000 miles a year. A driver who meets those qualifications will get very good rates and therefore will save quite a bit of money when switching.

Potential insureds who don’t measure up to these standards will have to pay higher prices which leads to business going elsewhere. The ads say “people who switch” but not “drivers who get quotes” save money. That’s why companies can advertise the way they do. Because of the profiling, drivers must get as many comparisons as possible. Because you never know which company will fit your personal profile best.

Specific coverages for a Chevy Volt

Learning about specific coverages of your policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for bills such as dental work, pain medications, ambulance fees and X-ray expenses. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This will pay to fix damage to your Volt from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like damaging your car on a curb, colliding with a tree, hitting a parking meter and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Liability auto insurance

This coverage provides protection from injuries or damage you cause to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as medical expenses, structural damage, repair costs for stationary objects, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive (Other than Collision)

Comprehensive insurance covers damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, theft and rock chips in glass. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Volt.

Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Be a penny pincher

As you go through the steps to switch your coverage, do not buy less coverage just to save a little money. There have been many situations where someone dropped liability coverage limits to discover at claim time that they should have had better coverage. The proper strategy is to find the BEST coverage at a price you can afford while still protecting your assets.

We just presented many tips how you can save on 2013 Chevy Volt insurance. The key concept to understand is the more rate quotes you have, the higher your chance of finding lower rates. Drivers may discover the lowest premiums are with the least-expected company.

Cheaper insurance can be bought both online and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. Some companies may not provide online quoting and usually these small insurance companies provide coverage only through local independent agents.

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