Trying to find cheaper auto insurance rates? Buyers have many options when searching for the best price on Chevy Cruze insurance. You can either waste hours calling around getting price quotes or utilize the internet to make rate comparisons. There is a right way and a wrong way to find auto insurance online so we’re going to tell you the proper way to quote coverages for a new or used Chevy and obtain the cheapest rates.
It’s a great practice to shop coverage around on a regular basis due to the fact that insurance rates are rarely the same from one policy term to another. Even if you got the lowest rates for Cruze coverage a couple years back you may be paying too much now. So just block out anything you think you know about auto insurance because I’m going to teach you one of the quickest ways to reduce your cost while increasing coverage.
Car insurance companies don’t list every available discount in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find savings tricks you should be using. If you aren’t receiving every discount available, you are throwing money away.
It’s important to note that most discount credits are not given to all coverage premiums. Most only cut the price of certain insurance coverages like comp or med pay. So even though it sounds like adding up those discounts means a free policy, you’re out of luck.
For a list of providers who offer insurance coverage discounts, follow this link.
There are a lot of ways to shop for auto insurance, but some are more efficient than others. You can waste hours discussing policy coverages with agents in your area, or you could save time and use the internet to get prices fast.
All the larger companies belong to a marketplace where insurance shoppers submit their information once, and every company then gives them pricing for coverage. This saves time by eliminating quotation requests to every company. To fill out one form to compare multiple rates now click here to start a free quote.
The only downside to pricing coverage this way is you are unable to specify which carriers you will receive quotes from. So if you prefer to choose individual companies to receive pricing from, we have a listing of companies who write auto insurance in your area. Click here for list of insurance companies.
It’s up to you which method you use, but make absolute certain that you use exactly the same coverage information for each price quote. If you are comparing mixed coverages you can’t possibly decipher which rate is best.
When choosing the right insurance coverage, there really is no single plan that fits everyone. Every situation is different.
For instance, these questions may help highlight if your insurance needs might need an agent’s assistance.
If you’re not sure about those questions, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and may give you better protection.
Learning about specific coverages of your car insurance policy helps when choosing the right coverages and proper limits and deductibles. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.
Comprehensive auto coverage – Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers things like damage from getting keyed, falling objects and a tree branch falling on your vehicle. The maximum payout a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.
Collision coverages – This coverage will pay to fix damage to your Cruze resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as sustaining damage from a pot hole, crashing into a building, driving through your garage door and hitting a parking meter. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for EMT expenses, pain medications, chiropractic care and hospital visits. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Coverage for liability – This coverage will cover injuries or damage you cause to other people or property in an accident. It protects YOU against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.
Liability insurance covers claims such as loss of income, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.
When buying insurance coverage, it’s very important that you do not skimp on coverage in order to save money. In many instances, drivers have reduced liability coverage limits and found out when filing a claim that the small savings ended up costing them much more. The ultimate goal is to buy enough coverage for the lowest price while still protecting your assets.
We covered many ways to compare 2015 Chevy Cruze insurance prices online. It’s most important to understand that the more quotes you get, the better your chances of lowering your rates. You may even find the biggest savings come from an unexpected company.
Insureds leave their current company for a variety of reasons including questionable increases in premium, extreme rates for teen drivers, being labeled a high risk driver or even an unsatisfactory settlement offer. It doesn’t matter why you want to switch finding a great new company is actually quite simple.