7 Discounts Drivers Forget when Buying Insurance Online for a Chevy Captiva Sport

Shoppers have a choice when shopping for the best price on Chevy Captiva Sport insurance. You can either waste hours contacting agents trying to get quotes or use the internet to compare rates. There is a better way to find car insurance online and we’ll show you the quickest way to compare rates on a Chevy and find the cheapest rates from local insurance agents and online providers.

Finding the best rates is quite easy. If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using this strategy. Although consumers can benefit from knowing how big insurance companies price insurance differently and take advantage of how the system works.

Car Insurance Prices Online

The are a couple different ways of comparing price quotes from different insurance companies. The best method to find the lowest Chevy Captiva Sport rates consists of obtaining rate quotes online. This is very easy and can be done in several different ways.

  1. The best way to find low rates is a comparison rater form (click to open form in new window). This easy form keeps you from doing separate quotes to each individual car insurance company. A single form will return price quotes direct from many companies.It’s the quickest way to get rates.
  2. Another way to compare rate quotes requires a trip to the website for each individual company to request a price quote. For instance, we’ll pretend you want rates from Farmers, Progressive and GMAC. To find out each rate you need to visit each site and enter your information, which is why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, double check that you are using apples-to-apples information with every price quote. If each company quotes different deductibles it’s impossible to truly determine the lowest rate. Just a small difference in limits can make a big difference in price. Just keep in mind that getting more free quotes helps locate a lower rate.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different.

These are some specific questions can aid in determining if your insurance needs would benefit from an agent’s advice.

  • Am I getting all the discounts available?
  • Why am I required to buy high-risk coverage?
  • Does my insurance cover my expensive audio equipment?
  • Who is covered when they drive my Chevy Captiva Sport?
  • Can I afford to buy a different vehicle if my Chevy Captiva Sport is totaled?
  • Do I need rental car coverage?
  • What happens if I owe more than my Chevy Captiva Sport is worth?
  • Is a no-fault state?
  • Does my Chevy Captiva Sport need full coverage?
  • Will I lose any money if I cancel my policy before it expires?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form.

Detailed coverages of your car insurance policy

Understanding the coverages of your car insurance policy can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Auto liability – Liability coverage will cover damage that occurs to people or other property by causing an accident. This coverage protects you from legal claims by others, and 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. Your policy might show policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like pain and suffering, court costs, loss of income, medical services and emergency aid. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Medical payments coverage and PIP – Med pay and PIP coverage pay for expenses like nursing services, doctor visits, dental work, pain medications and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy Captiva Sport.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

insurance for Captiva Sport

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

Comprehensive can pay for claims such as hitting a bird, hail damage, damage from getting keyed and damage from a tornado or hurricane. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance covers damage to your Captiva Sport from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, crashing into a building, hitting a parking meter and scraping a guard rail. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.