Cheaper 2014 Chevrolet Cruze Insurance Quotes

Price shopping your car insurance might be slightly frustrating for drivers new to online price comparisons. Consumers have so many options that it can quickly become a big hassle to locate the lowest price.

The fastest way that we advise to compare insurance rates from multiple companies takes advantage of the fact most larger insurance companies have advanced systems to quote your coverage. To begin a comparison, all you need to do is give the companies some data like the type of vehicles you drive, if a SR-22 is required, your education level, and how old drivers are. That rating information is submitted instantly to insurance companies and they return rate quotes immediately.

How do car insurance companies determine Chevy Cruze insurance rates?

Lots of things are used when you quote your car insurance policy. Most are fairly basic like your driving record, although others are not as apparent such as your marital status or your vehicle rating.

  • Guys pay more for auto insurance – Statistics show that females tend to be a little less risky than males. It does not mean women are better drivers. They both get in at-fault accidents at a similar rate, but the men have accidents that have higher claims. Men also receive more costly citations like driving under the influence (DUI). Youthful male drivers have the highest risk to insure and therefore pay the highest rates.
  • High coverage deductibles save money – Physical damage coverage, also known as collision and other-than-collision, is used to repair damage to your vehicle. Examples of some claims that would be covered could be a windshield shattered by a rock, flood damage, and having your car stolen. Your deductibles are the amount of money you are willing to pay out-of-pocket if you file a covered claim. The more of the claim you choose to pay out-of-pocket, the less money you will pay for insurance coverage on Cruze insurance.
  • Buy as much liability as you can afford – Your insurance coverage policy’s liability coverage will afford coverage in the event that you are responsible for causing personal injury or damage in an accident. It will provide for a legal defense which can cost thousands of dollars. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
  • Do you need those incidental coverages? – Insurance companies have many optional add-on coverages that sound like a good idea at the time on your Cruze policy. Insurance for things like coverage for rental cars, high-cost glass coverage, and motor club memberships could be just wasting money. The coverages may be enticing when you first buy your policy, but now you might not need them so eliminate the coverages to reduce your premium.
  • Vehicles with better crash test results cost less to insure – Safe vehicles tend to have lower insurance rates. The safest vehicles reduce occupant injuries and fewer injuries means less money paid by your insurance company and thus lower rates.
  • Poor credit score equals high prices – Having a good credit rating is a large factor in calculating your premium rate. Insureds that have very good credit scores tend to be more responsible than drivers who have poor credit scores. So if your credit leaves room for improvement, you could pay less to insure your 2014 Chevrolet Cruze by repairing your credit.

Cheap insurance coverage rates with discounts

Insuring your vehicles can cost a lot, but discounts can save money and there are some available that you may not know about. Some discounts will apply at the time of purchase, but once in a while a discount must be asked about before you will receive the discount.

  • New Car Discount – Buying insurance coverage on a new vehicle can be considerably cheaper because newer models keep occupants safer.
  • Seat Belts Save – Forcing all vehicle occupants to buckle up before driving could save 15% on the medical payments or PIP coverage costs.
  • Bundle and Save – If you can combine your auto and home policy with one insurance company you could get a discount of approximately 10% to 15%.
  • Homeowners Pay Less – Simply owning a home can save you money because maintaining a house is proof that your finances are in order.
  • Defensive Driving Course – Taking time to complete a class that teaches defensive driving techniques could earn you a small percentage discount if you qualify.
  • Multiple Cars – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
  • Active Military Service – Having a family member in the military could be rewarded with lower prices.
  • Fewer Miles Equal More Savings – Driving less could qualify for discounted rates on garaged vehicles.
  • Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts as much as 30%.
  • Senior Citizens – Mature drivers can get a discount up to 10% on Cruze insurance.

As a sidenote, most discount credits are not given to all coverage premiums. The majority will only reduce individual premiums such as medical payments or collision. Even though it may seem like you could get a free insurance coverage policy, it’s just not the way it works.

If you would like to view insurance companies with discount insurance coverage rates, follow this link.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is a little different.

These are some specific questions might point out whether or not you would benefit from an agent’s advice.

  • Should I file a claim if it’s only slightly more than my deductible?
  • Is pleasure use cheaper than using my 2014 Chevy Cruze to commute?
  • Should I have combined single limit or split liability limits?
  • When would I need rental car insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • What if I total my 2014 Chevy Cruze and owe more than it’s worth?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form.

Information about specific coverages

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants and damage to your 2014 Chevy Cruze.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Liability car insurance

Liability coverage will cover damages or injuries you inflict on other’s property or people that is your fault. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as repair bills for other people’s vehicles, court costs and structural damage. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance

Coverage for medical payments and/or PIP pay for bills for things like nursing services, X-ray expenses, hospital visits and EMT expenses. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not universally available and gives slightly broader coverage than med pay

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hitting a bird, a broken windshield, fire damage, theft and vandalism. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage protection

This covers damage to your Cruze caused by collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision can pay for claims like sideswiping another vehicle, driving through your garage door and crashing into a building. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

More quotes. Lower rates.

People change insurance companies for any number of reasons including delays in responding to claim requests, policy non-renewal, high rates after DUI convictions or delays in paying claims. It doesn’t matter why you want to switch choosing a new insurance company can be easy and end up saving you some money.

Lower-priced 2014 Chevy Cruze insurance is possible on the web and with local insurance agents, and you should compare price quotes from both to have the best rate selection. Some companies may not have the ability to get a quote online and most of the time these small, regional companies only sell coverage through independent insurance agents.

As you shop your coverage around, do not reduce needed coverages to save money. There are too many instances where an accident victim reduced comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. The proper strategy is to get the best coverage possible at the best cost but still have enough coverage for asset protection.

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