Lower Your 2013 Chevrolet Volt Car Insurance Quotes

Looking for better car insurance rates for your Chevrolet Volt? Getting the cheapest car insurance over the internet can seem to be challenging for consumers who are beginners to quoting and buying insurance on the web. With so many insurance agents and insurers to choose from, how are we expected to effectively compare the different rates to find the cheapest available price?

It’s important to take a look at other company’s rates before your policy renews because insurance rates change regularly. If you had the lowest rate for Volt coverage a couple years back a different company probably has better prices today. You’ll find a ton of advice on car insurance online but by reading this article, you’re going to learn some solid techniques on how to reduce your car insurance bill.

Buy insurance coverage online

When shopping for insurance coverage there are multiple ways to get quotes from all the different companies. The easiest way by far to compare rates consists of obtaining rate quotes online. This can be accomplished in several different ways.

  • Without a doubt, the easiest way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This method prevents you from having to do repetitive form entry for each company you want a rate for. One quote request compares rates instantly.It’s the quickest way to get rates.
  • A harder way to shop for insurance coverage online is to take the time to go to the website for each individual company to request a price quote. For example, let’s assume you want to compare prices for GEICO, Safeco and Liberty Mutual. In order to compare rates, you need to navigate to each company’s site to input your insurance information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  • The hardest method of getting rate comparisons is driving around to all the different insurance agencies. The fact that you can get quotes online eliminates the need for an insurance agent unless you prefer the trained guidance that you can only get from talking to an agent. Drivers can compare online quotes but have your policy serviced through an agent.

Which method you use is up to you, but ensure you are comparing nearly identical coverage limits and deductibles on every price quote you get. If you have different limits and deductibles on each one it’s not possible to truly determine the lowest rate. Quoting even small variations in limits could skew the results. Just remember that quoting more helps you find the best price.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that might help in determining if you might need professional guidance.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Does my insurance cover my expensive audio equipment?
  • Is a blown tire covered by insurance?
  • Do I have coverage when pulling a U-Haul trailer?
  • Does liability extend to a camper or trailer?
  • Should I sign the liability waiver when renting a car?
  • Are split liability limits better than a combined single limit?
  • How much liability do I need to cover my assets?
  • Am I covered by my spouse’s policy after a separation?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Auto insurance policy coverages for a 2013 Chevy Volt

Having a good grasp of your auto insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

This coverage pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a tree branch falling on your vehicle, hitting a deer and damage from getting keyed. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability

This coverage can cover injuries or damage you cause to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability can pay for things like structural damage, repair bills for other people’s vehicles, medical expenses, loss of income and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy higher limits if possible.

Collision insurance

Collision coverage pays for damage to your Volt caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like crashing into a building, sideswiping another vehicle, damaging your car on a curb, scraping a guard rail and colliding with a tree. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Chevy Volt.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for funeral costs, hospital visits, rehabilitation expenses and nursing services. They can be used to fill the gap from 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. PIP is only offered in select states and may carry a deductible