Cheap 2014 Chevrolet Captiva Sport Insurance Quotes

Nobody likes having to buy auto insurance, especially when the cost is way too high.

You have so many insurance companies to pick from, and although it’s a good thing to have a choice, it can be more difficult to compare rates.

How to Compare Car Insurance Costs

Shopping for lower car insurance rates can be a lot of work if you don’t utilize the most efficient way. You can waste hours driving to agents in your area, or you can utilize online quoting to maximize your effort.

Most major companies participate in a marketplace that allows shoppers to enter their policy data once, and at least one company can provide price quotes based on the submitted data. This prevents consumers from doing form submissions for each company you want a rate for. To submit your quote information now, click to open in new window.

One minor caviat to getting quotes like this is you cannot specify the insurers to get pricing from. So if you want to select individual companies to request quotes from, we have a listing of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s up to you which method you use, but make sure you use the exact same coverages and limits for every company. If you use differing limits you will not be able to make an equal comparison. Having just a slight variation in coverage limits can make a big difference in price. And when price shopping your coverage, having more price comparisons gives you a better chance of getting lower pricing.

Take advantage of discounts

Companies offering auto insurance don’t necessarily list all their discounts in an easy-to-find place, so we took the time to find some of the more common and the harder-to-find savings tricks you should be using.

  • Save with a New Car – Buying coverage on a new vehicle can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Safety Course Discount – Taking a course teaching defensive driving skills could cut 5% off your bill and easily recoup the cost of the course.
  • Save over 55 – Mature drivers may qualify for a discount up to 10% on Captiva Sport insurance.
  • Employee of Federal Government – Simply working for the federal government could cut as much as 10% off on Captiva Sport insurance with certain companies.
  • Early Switch Discount – Some companies give discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Memberships – Affiliation with a civic or occupational organization may earn a discount on your policy on Captiva Sport insurance.

Keep in mind that some credits don’t apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. So when it seems like you can get free auto insurance, companies don’t profit that way.

To see a list of insurance companies offering insurance discounts, click this link.

How to know if you need help

When it comes to choosing adequate coverage, there is no “best” method to buy coverage. Every insured’s situation is different so your insurance needs to address that. For instance, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • Can my teen driver be rated on a liability-only vehicle?
  • Do I need an umbrella policy?
  • Am I missing any policy discounts?
  • How much underlying liability do I need for an umbrella policy?
  • Why is insurance for a teen driver so high?
  • Is my cargo covered for damage or theft?
  • What is roadside assistance coverage?
  • Is pleasure use cheaper than using my 2014 Chevy Captiva Sport to commute?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Coverages available on your policy

Having a good grasp of auto insurance can be of help when determining appropriate coverage at the best deductibles and correct limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types available from auto insurance companies.

Medical expense insurance

Coverage for medical payments and/or PIP kick in for immediate expenses like dental work, EMT expenses, chiropractic care and X-ray expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Coverage for liability

Liability insurance provides protection from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU from legal claims by others. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which stand for a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as medical services, bail bonds, attorney fees, repair costs for stationary objects and loss of income. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Comprehensive (Other than Collision)

This pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as hail damage, falling objects and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage protection

This coverage will pay to fix damage to your Captiva Sport 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 sideswiping another vehicle, colliding with another moving vehicle, backing into a parked car and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

What is YOUR best insurance company?

Low-cost 2014 Chevy Captiva Sport insurance can be bought from both online companies in addition to many insurance agents, and you should be comparing both so you have a total pricing picture. A few companies do not provide online price quotes and these small insurance companies work with independent agents.

We covered a lot of information how to shop for insurance online. The most important thing to understand is the more price quotes you have, the better your comparison will be. Drivers may discover the lowest priced auto insurance comes from the least-expected company. Smaller companies can often provide lower rates in certain areas than their larger competitors like State Farm or Progressive.

Additional auto insurance information is located at the links below