Best 8 Ways You Can Insure a Chevy Cruze For Less

Consumers have options when looking for low-cost Chevy Cruze insurance. They can either spend hours calling around trying to get quotes or leverage the internet to find the lowest rates.

There are more efficient ways to shop for car insurance so you’re going to learn the proper way to get price quotes for your Chevy and get the lowest price from both online companies and local agents.

Smart consumers take time to check car insurance prices occasionally because rates go up and down regularly. Just because you found the lowest price for Cruze coverage a year ago you may be paying too much now. Starting now, block out anything you think you know about car insurance because we’re going to show you the best way to lower your annual insurance bill.

The purpose of this article is to help you learn the most effective way to quote insurance. If you have car insurance now, you will be able to lower your premiums substantially using these methods. Consumers only need an understanding of the most effective way to compare price quotes over the internet.

Discounts are great for lower rates

Properly insuring your vehicles can get expensive, but companies offer discounts to help offset the cost. Some discounts apply automatically when you purchase, but a few need to be asked for prior to receiving the credit. If they aren’t giving you every credit available, you are throwing money away.

  • Federal Employees – Employees or retirees of the government can save as much as 8% for Cruze coverage depending on your company.
  • Pay Upfront and Save – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Seat Belts Save – Drivers who require all occupants to wear their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Save with a New Car – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase a life insurance policy as well.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less for Cruze coverage than drivers with accident claims.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a set time period.
  • Resident Student – Kids in college who live away from home and do not have a car can be insured at a reduced rate.

Consumers should know that most credits do not apply to the entire policy premium. Some only reduce specific coverage prices like collision or personal injury protection. So when the math indicates all those discounts means the company will pay you, car insurance companies aren’t that generous. But any discount will bring down your premiums.

You may need specialized coverage

When it comes to buying adequate coverage, there really is not a best way to insure your cars. Every insured’s situation is different.

Here are some questions about coverages that may help highlight whether you may require specific advice.

  • What are the financial responsibility laws in my state?
  • Am I covered when pulling a rental trailer?
  • What if I don’t agree with a claim settlement offer?
  • When does my teenage driver need to be added to my policy?
  • Why am I required to buy high-risk coverage?
  • Should I buy only the required minimum liability coverage?

If you’re not sure about those questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, complete this form. It is quick, free and may give you better protection.

Save 15 percent in 15 minutes? Is it for real?

Drivers get pounded daily by advertisements that promise big savings from companies such as Progressive, Allstate and GEICO. They all seem to make the same claim that you can save if you move your policy.

How can each company say the same thing? This is how they do it.

All companies can use profiling for the right customer they prefer to insure. An example of a preferred risk could possibly be between 30 and 50, has no driving citations, and has a short commute. A driver who meets those qualifications will get very good rates and is almost guaranteed to save when switching.

Consumers who do not match the “perfect” profile will be quoted higher prices which leads to the driver buying from a lower-cost company. The ads state “drivers who switch” not “everybody who quotes” save money. That is how insurance companies can advertise the way they do.

This emphasizes why it’s extremely important to get a wide range of price quotes. It’s just too difficult to predict which company will provide you with the cheapest rates.

Detailed coverages of your car insurance policy

Knowing the specifics of a car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Liability insurance

Liability coverage will cover damage or injury you incur to other people or property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property. Another option is one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims like medical expenses, legal defense fees, funeral expenses, repair costs for stationary objects and bail bonds. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, theft and damage from flooding. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like EMT expenses, hospital visits, surgery and rehabilitation expenses. They can be 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 being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

Auto collision coverage

This coverage will pay to fix damage to your Cruze caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

insurance for Cruze

Collision coverage protects against claims like scraping a guard rail, driving through your garage door and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This gives you protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy Cruze.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Compare but don’t skimp

Low-cost Chevy Cruze insurance is available on the web as well as from independent agents, and you should be comparing both to have the best selection. Some companies don’t offer you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

When buying insurance coverage, make sure you don’t sacrifice coverage to reduce premiums. There are a lot of situations where someone dropped collision coverage to discover at claim time they didn’t have enough coverage. Your goal should be to get the best coverage possible at a price you can afford.

Drivers who switch companies do it for a number of reasons such as delays in paying claims, an unsatisfactory settlement offer, unfair underwriting practices or poor customer service. Whatever your reason, finding a new car insurance company is not as difficult as it may seem.