2014 Chevrolet SS Insurance Rates – 5 Tricks for Best Quotes

Trying to find better insurance rates for your Chevrolet SS? Overpriced Chevrolet SS insurance can bleed your checking account and put a big crunch on your finances. Comparing rates annually is a fast and free way to cut your insurance bill.

There is such a variety of insurance companies to choose from, and though it is a good thing to have a choice, it can be more difficult to compare rates and find the lowest cost insurance.

It’s important to get comparison quotes occasionally since insurance prices are variable and change quite frequently. Just because you had the lowest price on SS insurance on your last policy the chances are good that you can find a lower rate quote today. There is a lot of wrong information about insurance online but by reading this article, you’re going to learn a bunch of ideas how to find affordable insurance.

The purpose of this post is to teach you how to effectively get price quotes and some tricks to saving. If you are paying for car insurance now, you should be able to cut costs considerably using this information. Consumers just need to understand the most efficient way to shop online.

Where can I get the cheapest insurance coverage?

Reducing your 2014 Chevy SS insurance rates doesn’t have to be difficult. The only requirement is to spend a little time to get quotes online with multiple companies. Price comparisons can be done in a couple of different ways.

  1. The single most time-saving way consumers can analyze rates is a comparison rater form click to view form in new window. This form saves time by eliminating repetitive form entry for every insurance coverage company. A single, simple form gets insurance cost estimates from many national carriers.
  2. A slightly less efficient method to compare prices consists of visiting the website for every company you want to comare and complete a new quote form. For instance, let’s assume you want to compare GEICO, 21st Century and Liberty Mutual. You would be required to spend time on each company’s site and punch in your information repeatedly, which is why the first method is more popular. For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but ensure you are comparing the same coverage limits and deductibles for every quote you compare. If the quotes have different liability limits then you won’t be able to find the best deal for your Chevy SS.

Insurance policy discounts you can’t miss

Car insurance can cost a lot, but you might already qualify for some discounts to reduce the price significantly. Larger premium reductions will be automatically applied when you get a quote, but some discounts are required to be requested specifically prior to receiving the credit. If you do not double check each discount you deserve, you could be getting lower rates.

  • Memberships – Having an affiliation with a civic or occupational organization could trigger savings on your next insurance statement.
  • Switch and Save Discount – Some companies reward drivers for buying a new policy prior to your current policy expiration. It could save around 10% when you buy insurance coverage online.
  • Anti-theft Discount – Cars and trucks equipped with tracking devices and advanced anti-theft systems are stolen less frequently and can earn a small discount on your policy.
  • Air Bag Discount – Vehicles equipped with air bags may qualify for discounts of up to 25% or more.
  • Claim Free – Drivers who stay claim-free are rewarded with significantly better rates on insurance coverage quote in comparison with drivers with a long claim history.

Discounts lower rates, but some credits don’t apply to your bottom line cost. Most only cut specific coverage prices like collision or personal injury protection. So when it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

The best insurance companies and a partial list of their discounts are included below.

  • Farm Bureau may include discounts for driver training, youthful driver, multi-vehicle, safe driver, 55 and retired, renewal discount, and good student.
  • Liberty Mutual has savings for multi-car, hybrid vehicle, newly married, multi-policy, good student, and new graduate.
  • State Farm policyholders can earn discounts including Steer Clear safe driver discount, anti-theft, driver’s education, defensive driving training, multiple autos, and Drive Safe & Save.
  • Auto-Owners Insurance may offer discounts for mature driver, company car, safe vehicle, multi-policy, multiple vehicles, and group or association.
  • GEICO may have discounts that include driver training, good student, anti-lock brakes, emergency military deployment, and federal employee.
  • SAFECO offers discounts including safe driver, teen safety rewards, homeowner, drive less, bundle discounts, and accident prevention training.

If you are trying to find cheap insurance coverage quotes, ask each company which discounts can lower your rates. Some discounts might not be offered on policies everywhere. To locate insurance companies that have a full spectrum of discounts, click here.

Insurance agents can help

When choosing proper insurance coverage, there is no best way to insure your cars. Everyone’s situation is unique and a cookie cutter policy won’t apply. For instance, these questions might point out if you would benefit from an agent’s advice.

  • Is pleasure use cheaper than using my 2014 Chevy SS to commute?
  • How high should my uninsured/underinsured coverage be in my state?
  • How high should deductibles be on a 2014 Chevy SS?
  • Does my insurance cover my expensive audio equipment?
  • Will filing a claim cost me more?
  • What vehicles should carry emergency assistance coverage?
  • Is my custom paint covered by insurance?
  • Does my policy pay for OEM or aftermarket parts?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Advertising myths

Drivers can’t get away from ads that promise big savings for switching from companies such as 21st Century, Allstate and State Farm. All the ads advertise claims that drivers will save a bundle if you move to them.

How does each company make almost identical claims? This is the trick they use.

Most companies have specific guidelines for the type of customer that will most likely be profitable. An example of this type of risk profile could possibly be between the ages of 30 and 50, carries high limits, and drives newer vehicles. A propective insured that hits that “sweet spot” will most likely get cheap rates and will probably save money with a new company.

Potential customers who do not fit those criteria will probably be forced to pay higher premium rates which results in the customer buying from someone else. Company advertisements say “people that switch” not “everybody who quotes” save the amount stated. That is how insurance companies can confidently lure you into getting a quote.

This illustrates why drivers should quote coverage with many companies. It is impossible to guess which insurance companies will have the best car insurance rates at this point in time.

Coverage specifics

Learning about specific coverages of auto insurance aids in choosing the right coverages for your vehicles. Policy terminology can be confusing and coverage can change by endorsement. Listed below are typical coverage types found on most auto insurance policies.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, vandalism and hail damage. The maximum payout 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 it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently the UM/UIM limits are set the same as your liablity limits.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like hitting a parking meter, crashing into a ditch, hitting a mailbox and colliding with a tree. This coverage can be expensive, so consider dropping it from older vehicles. Another option is to increase the deductible to save money on collision insurance.

Auto liability insurance

This coverage protects you from damages or injuries you inflict on other’s property or people in an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

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 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as emergency aid, structural damage, repair costs for stationary objects, loss of income and funeral expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as ambulance fees, doctor visits, surgery, EMT expenses and dental work. They are used in conjunction with a health insurance program or if you do not have health coverage. Medical payments and PIP 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 universally available but can be used in place of medical payments coverage

Better coverage you can count on

When searching for the cheapest insurance coverage quotes, it’s not a good idea to buy less coverage just to save a little money. In too many instances, an accident victim reduced uninsured motorist or liability limits only to find out that it was a big error on their part. The ultimate goal is to purchase a proper amount of coverage at a price you can afford, but don’t skip important coverages to save money.

Some companies may not provide price quotes online and many times these smaller companies only sell through independent insurance agencies. Discount 2014 Chevy SS insurance can be bought online in addition to local insurance agencies, and you should compare rates from both in order to have the best chance of saving money.

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