Trying to find the cheapest insurance rates for your Chevrolet SS? Finding affordable insurance can seem to be hard for consumers not familiar with shopping for insurance online. People have so many options that it can easily become more work than you anticipated to find lower rates.
If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these tips. The purpose of this post is to instruct you on how to get online quotes and some tips to save money. But consumers benefit from understanding the way companies price insurance differently and use this information to your advantage.
The best way we recommend to compare insurance rates from multiple companies is to understand all the major auto insurance companies have advanced systems to compare their rates. All consumers are required to do is spend a couple of minutes providing details such as how old drivers are, your education level, marital status, and how much you drive. That information is then submitted to multiple companies and they return rate quotes within a short period of time.
The price of auto insurance can be rather high, buy you may qualify for discounts to cut the cost considerably. Some discounts apply automatically when you quote, but less common discounts must be asked for before you get the savings.
Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to individual premiums such as physical damage coverage or medical payments. So even though they make it sound like adding up those discounts means a free policy, companies don’t profit that way. But any discount will cut your premiums.
Companies that possibly offer some of the above discounts include:
Double check with each company which discounts you may be entitled to. Savings may not apply in every state.
When buying adequate coverage, there really is not a cookie cutter policy. Coverage needs to be tailored to your specific needs.
For instance, these questions can help discover whether your personal situation may require specific advice.
If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, complete this form.
Having a good grasp of your auto insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.
Uninsured or underinsured coverage – This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your Chevy SS.
Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally these coverages are set the same as your liablity limits.
Comprehensive protection – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.
Comprehensive can pay for claims like rock chips in glass, a tree branch falling on your vehicle, fire damage and damage from getting keyed. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for expenses like ambulance fees, prosthetic devices, dental work and chiropractic care. They are often used in conjunction with a health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay
Liability coverage – This protects you from damage that occurs to people or other property in an accident. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.
Liability can pay for things like legal defense fees, emergency aid, attorney fees and court costs. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.
Collision – Collision insurance covers damage to your SS from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision can pay for things such as colliding with a tree, crashing into a building and hitting a parking meter. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible to get cheaper collision coverage.
As you prepare to switch companies, never buy lower coverage limits just to save a few bucks. Too many times, someone dropped physical damage coverage only to find out that their decision to reduce coverage ended up costing them more. The ultimate goal is to buy enough coverage at a price you can afford, not the least amount of coverage.
We just presented a lot of tips how to save on 2014 Chevy SS insurance. The most important thing to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the lowest premiums are with a lesser-known regional company.
Lower-priced insurance can be bought on the web and also from your neighborhood agents, and you should be comparing both so you have a total pricing picture. Some companies may not provide online price quotes and many times these small insurance companies only sell through independent insurance agents.
More detailed auto insurance information is located by following these links: