2014 Chevrolet Cruze Car Insurance Rates

Price shopping your insurance is always a challenge for people who are new to buying insurance online. There are so many companies to choose from that it can quickly become a lot of work to compare prices.

It’s a good habit to price shop coverage once or twice a year since rates change frequently. Despite the fact that you may have had the best rates on Cruze insurance a year ago a different company probably has better rates today. Starting now, forget all the misinformation about insurance because I’m going to teach you one of the best ways to reduce your cost while increasing coverage.

The easiest way to compare rates is to realize most larger insurance companies will pay a fee to provide you with free rate quotes. The only thing you need to do is give them some information including your education level, if you require a SR-22, types of safety features, and how your vehicles are used. Your details is instantly provided to insurance companies and you receive quotes within a short period of time.

To compare rates now, click here and find out if you can get cheaper insurance.

Is there deception in advertising?

State Farm, Allstate and GEICO constantly bombard you with ads in print and on television. All the companies have a common claim of big savings if you switch to their company. How does each company make almost identical claims? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of driver that is profitable for them. A good example of a driver they prefer might be a mature driver, is a homeowner, and chooses high deductibles. Any new insured who fits that profile receives the best rates and is almost guaranteed to save a lot of money.

Potential customers who fall outside these standards must pay a higher premium which leads to business going elsewhere. Company advertisements say “customers who switch” not “people who quote” save that much. This is how insurance companies can confidently state the savings. This illustrates why drivers must get quotes from several different companies. It’s just too difficult to predict which insurance companies will have the lowest Chevy Cruze insurance rates.

Cut prices on 2014 Chevy Cruze insurance

Auto insurance companies do not advertise all available discounts in a way that’s easy to find, so we researched some of the best known as well as the least known insurance savings.

  • Service Members Pay Less – Having a deployed family member can result in better rates.
  • Discount for Swiching Early – Some companies give discounts for signing up prior to your current policy expiring. The savings is around 10%.
  • Own a Home – Owning a home may trigger a insurance policy discount because owning a home is proof that your finances are in order.
  • Sign Online – A handful of insurance companies give back up to $50 for buying a policy and signing up online.
  • Clubs and Organizations – Belonging to a qualifying organization could qualify you for a break on your policy on Cruze insurance.
  • Discount for New Cars – Buying coverage on a new vehicle can save up to 30% since new cars are generally safer.
  • Pay Upfront and Save – If you pay your entire premium ahead of time rather than paying monthly you could save 5% or more.
  • Life Insurance Discount – Some companies give a break if you buy life insurance.

It’s important to note that most credits do not apply to the entire cost. Most only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like it’s possible to get free car insurance, companies don’t profit that way.

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

Tailor your coverage to you

When it comes to buying the right insurance coverage, there is no one size fits all plan. Every situation is different.

Here are some questions about coverages that could help you determine whether or not you might need professional guidance.

  • Is my vehicle covered by my employer’s policy when using it for work?
  • Are my friends covered when driving my 2014 Chevy Cruze?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Will my insurance pay for OEM parts?
  • Am I covered when driving a rental car?
  • Am I covered if I drive in a foreign country?
  • Why do I need rental car insurance?
  • Is my cargo covered for damage or theft?
  • Is motorclub coverage worth it?
  • If I drive on a suspended license am I covered?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form.

Educate yourself about car insurance coverages

Understanding the coverages of your policy helps when choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Coverage for medical payments

Med pay and PIP coverage pay for short-term medical expenses such as chiropractic care, pain medications, nursing services, funeral costs and surgery. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage


This coverage will cover damages or injuries you inflict on a person or their property that is your fault. It protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as medical services, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Collision insurance

This will pay to fix damage to your Cruze from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a ditch, scraping a guard rail, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance coverage 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 pays for things like hitting a bird, vandalism and hitting a deer. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and damage to your Chevy Cruze.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

One last thing about your coverage

We just covered a lot of tips how to get a better price on 2014 Chevy Cruze insurance. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with some of the lesser-known companies.

Insureds who switch companies do it for many reasons like poor customer service, questionable increases in premium, being labeled a high risk driver and even lack of trust in their agent. No matter why you want to switch, choosing a new company is not as difficult as it may seem.

As you prepare to switch companies, you should never skimp on coverage in order to save money. There are many occasions where someone sacrificed full coverage and discovered at claim time they didn’t have enough coverage. Your goal should be to buy the best coverage you can find at an affordable rate, not the least amount of coverage.

Much more information about car insurance is available on the following sites: