View 2013 Chevrolet Cruze Insurance Cost

Trying to find cheaper auto insurance rates for your Chevrolet Cruze? Online price comparisons for the cheapest insurance might sound like a lofty goal if you are a beginner to quoting online. But keep reading because there is an easy way to compare rates.

You need to do price comparisons quite often due to the fact that insurance prices are adjusted regularly by insurance companies. Even if you got the lowest price for Cruze coverage a few years ago the chances are good that you can find a lower rate today. Ignore everything you know about auto insurance because you’re about to learn the fastest way to reduce your cost while improving coverage.

How to get the cheapest insurance

To find the best insurance prices, there are several ways of comparing rates from many different insurance companies. The easiest way by far to find the lowest 2013 Chevy Cruze rates is to jump online and get quotes. It’s really quite simple and can be done in a couple minutes as outlined below.

The easiest and least time consuming way consumers can make multiple comparisons is to use a rate comparison form click to view form in new window. This quick form saves time by eliminating separate quotation requests to each individual insurance company. One quote request compares rates instantly. It’s definitely the quickest method.

A more time consuming way to compare rate quotes consists of going to the website for every company you want to comare and request a quote. For sake of this example, we’ll pretend you want to see prices from Allstate, Safeco and State Farm. In order to get each rate, you would have to navigate to each company’s site and enter your policy data, which can take a lot of time.

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

It’s your choice how you get your quotes, but ensure you are comparing nearly identical coverage limits and deductibles on every price quote you get. If you are comparing mixed coverages it’s impossible to determine the best price for your Chevy Cruze. Even a minor difference in coverage limits can result in a big premium difference. And when comparison shopping, getting more free quotes gives you a better chance of getting a lower rate than you’re paying now. Some regional insurers cannot provide rate quotes online, so you should also compare quotes from them, too.

How to lower your insurance costs

Many things are considered when premium rates are determined. A few of the factors are predictable like a motor vehicle report, although others are not quite as obvious such as whether you are married or your vehicle rating.It’s important that you understand some of the factors that are used to determine your insurance rates. If you have a feel for what influences your rates, this allows you to make educated decisions that could result in cheaper rates.

  • Bad credit hurts insurance costs – Credit score is a big factor in determining premium rates. People with good credit tend to file fewer claims than drivers with poor credit scores. So if your credit is low, you could potentially save money when insuring your 2013 Chevrolet Cruze by taking the time to improve your credit score.
  • Your liability protection limits – Liability coverage will provide protection in the event that a court rules you are at fault for physical damage or personal injury to other. It provides you with a defense in court which can be incredibly expensive. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
  • You may save more by bundling policies – The majority of insurance companies provide better rates for people that have more than one policy such as combining an auto and homeowners policy. Even with this discount, consumers should still check prices from other companies to help ensure you have the lowest rates.
  • Rental and towing coverage may not be needed – Insurance policies have a lot of add-on coverages that can waste your money on your Cruze policy. Coverage for things like rental car reimbursement, accidental death, and motor club memberships may be wasting your money. They may seem good when discussing your needs, but if you don’t need them remove them from your policy.
  • Your stress level may be raising your prices – Careers such as doctors, executives and dentists generally have the highest average rates in part from intense work requirements and incredibly demanding work hours. Conversely, occupations like actors, engineers and homemakers receive lower rates for Cruze coverage.
  • What are your comp and collision deductibles? – Comprehensive and collision coverage deductibles are the amount of money you are required to pay if a covered claim is submitted. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some examples of claims that would be covered would be colliding with a stationary object, fire damage, and having a roll-over accident. The more damage repair cost you pay before a claim is paid (deductible), the lower your rates will be for Cruze coverage.
  • Rural vs Urban Areas – Being located in a rural area may provide you with better prices when insuring your vehicles. People who live in big cities have much more traffic and more severe claims. Fewer people means less chance of accidents and a lower car theft rate.

Get cheap insurance coverage rates with discounts

Properly insuring your vehicles can get expensive, but you can get discounts that many people don’t even know exist. Many discounts should be triggered when you complete an application, but occassionally some discounts must be requested specifically in order for you to get them.

  • New Vehicle Savings – Buying a new car instead of a used car can cost up to 25% less because newer vehicles are generally safer.
  • Distant Student Discount – who live away from home at college and don’t have a car may be insured at a cheaper rate.
  • Payment Method – If you can afford to pay the entire bill rather than paying monthly you can avoid monthly service charges.
  • Low Mileage Discounts – Low annual miles can qualify you for better insurance coveragerates on cars that stay parked.
  • Discounts for Cautious Drivers – Insureds who avoid accidents can save as much as half off their rates for Cruze coverage as compared to drivers with claims.

As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky.

A list of companies and a selection of discounts are detailed below.

  • GEICO offers discounts including five-year accident-free, anti-lock brakes, multi-policy, air bags, seat belt use, emergency military deployment, and defensive driver.
  • Auto-Owners Insurance has discounts for anti-theft, paperless, student away at school, safe driver, and teen driver.
  • American Family may include discounts for air bags, TimeAway discount, good driver, mySafetyValet, multi-vehicle, Steer into Savings, and accident-free.
  • Esurance includes discounts for defensive driver, multi-policy, anti-lock brakes, good student, multi-car, DriveSense, and homeowner.
  • Progressive offers discounts for multi-policy, homeowner, multi-vehicle, online signing, and good student.
  • State Farm may have discounts that include good student, student away at school, driver’s education, accident-free, defensive driving training, and multiple policy.
  • AAA policyholders can earn discounts including education and occupation, multi-car, AAA membership discount, anti-theft, good driver, good student, and pay-in-full.

Before you buy a policy, ask all the companies which credits you are entitled to. Some of the discounts discussed earlier might not be offered on policies in every state. To find companies who offer free insurance coverage quotes, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

For instance, these questions could help you determine whether you will benefit from professional help.

  • Do I have coverage when pulling a U-Haul trailer?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What can I do if my company denied a claim?
  • Do I have newly-aquired coverage?
  • What is the difference between comprehensive and collision coverage?
  • Is a fancy paint job covered?
  • Why does it cost so much to insure a teen driver?
  • Is extra glass coverage worth it?
  • What vehicles should carry emergency assistance coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form.

Car insurance coverages for a Chevy Cruze

Learning about specific coverages of insurance aids in choosing which coverages you need at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement.

Collision coverage – Collision coverage will pay to fix damage to your Cruze resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like scraping a guard rail, crashing into a building, crashing into a ditch, rolling your car and hitting a parking meter. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. You can also choose a higher deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2013 Chevy Cruze.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP pay for short-term medical expenses for X-ray expenses, nursing services and dental work. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Comprehensive insurance – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hitting a deer, damage from flooding, theft and hail damage. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability – Liability coverage can cover damage or injury you incur to people or other property. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as court costs, bail bonds and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Be a Smart Shopper

We’ve covered a lot of ways to compare 2013 Chevy Cruze insurance prices online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the lowest prices are with a lesser-known regional company.

Lower-priced 2013 Chevy Cruze insurance is definitely available from both online companies and from local agencies, so you need to quote insurance with both so you have a total pricing picture. There are still a few companies who may not offer rate quotes online and most of the time these regional carriers work with independent agencies.

Drivers leave their current company for many reasons like an unsatisfactory settlement offer, unfair underwriting practices, policy non-renewal or delays in paying claims. It doesn’t matter why you want to switch choosing a new company can be easier than you think.

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