View 2015 Chevrolet Cruze Insurance Rates

Searching for cheaper insurance rates for your Chevrolet Cruze? I can’t think of anyone who anticipates paying for insurance, especially when they are aware that they are paying too much.

Many auto insurance companies vie to insure your vehicles, and it can be difficult to compare rates and get the best coverage at the best rates possible.

If you currently have car insurance, you stand a good chance to be able to cut costs considerably using these methods. Finding the best rates is easy if you know what you’re doing. Nevertheless, drivers must learn the way companies sell insurance online.

Why you might pay lower rates

Many things are part of the calculation when pricing auto insurance. Some are pretty understandable such as your driving record, but others are not quite as obvious like your continuous coverage or your financial responsibility.

Shown below are some of the most rate-impacting factors that factor into premiums.

  • Premiums are high for teenagers – Older, more experienced drivers are proven to be safer behind the wheel, statistically cause fewer accidents , and are generally more financially stable.Drivers with little experience are statistically shown to be less responsible when behind the wheel therefore auto insurance rates are much higher.
  • How much liability protection – Liability insurance will provide protection when you are found liable for physical damage or personal injury to other. Your liability coverage provides legal defense which can cost a lot. Liability is cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Lower miles driven equals lower premium – The more you drive your Chevy annually the more you will pay for auto insurance. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Cars that sit idle most of the time receive lower rates as compared to vehicles used primarily for driving to work. It’s always a good idea to double check that your auto insurance declarations sheet is rated on how each vehicle is driven. A policy that improperly rates your Cruze is throwing money out the window.
  • Low credit score equals high costs – Credit rating is a large factor in calculating your premium rate. Insureds that have high credit ratings tend to be better drivers and file fewer claims than those with lower credit scores. If your credit rating can be improved, you could save money insuring your 2015 Chevrolet Cruze by improving your rating.
  • Does your employer cost you more? – Do you work in a high-stress field? Occupations like judges, executives and stock brokers usually pay higher average rates attributed to intense work situations and long work days. Other professions such as actors, historians and homemakers receive lower rates on Cruze insurance.
  • Never have auto insurance lapses – Letting your insurance expire can be a sure-fire way to increase your rates. And not only will your rates increase, failure to provide proof of insurance can result in fines or a revoked license. You will then be forced to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Know your vehicle’s crash test rating – Safe vehicles tend to be cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and any reduction in injury severity translates directly to fewer claims and more competitive rates for policyholders.
  • Do you need those incidental coverages? – There are quite a few optional add-on coverages that can add up if you aren’t careful. Things like replacement cost coverage, accident forgiveness, and motor club memberships are some examples. These may sound like a good investment initially, but if they’re wasting money get rid of them and save.

Cheap car insurance quotes with discounts

Some insurers don’t necessarily list every policy discount very clearly, so the list below contains both well-publicized and the more hidden credits that may apply to you.

  • Resident Student – Older children who attend college more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Federal Employees – Employees or retirees of the government could provide a small rate reduction on Cruze insurance depending on your car insurance provider.
  • E-sign Discounts – Some of the larger companies may give you up to $50 for buying your policy online.
  • Drive Less and Save – Fewer annual miles on your Chevy could be rewarded with substantially lower prices.
  • Club Memberships – Having an affiliation with a civic or occupational organization could earn you a nice discount when getting a insurance coverage quote.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though the math looks like you can get free auto insurance, you aren’t that lucky.

Companies and some of the discounts include:

  • State Farm discounts include multiple policy, multiple autos, student away at school, anti-theft, defensive driving training, safe vehicle, and good driver.
  • Farmers Insurance includes discounts for switch companies, homeowner, good student, teen driver, and pay in full.
  • Progressive may offer discounts for online quote discount, homeowner, good student, multi-vehicle, and online signing.
  • GEICO policyholders can earn discounts including anti-lock brakes, military active duty, good student, emergency military deployment, multi-policy, and membership and employees.
  • Auto-Owners Insurance offers discounts for student away at school, mature driver, multiple vehicles, group or association, and air bags.
  • The Hartford may include discounts for vehicle fuel type, anti-theft, driver training, air bag, and bundle.
  • Farm Bureau offers premium reductions for multi-vehicle, youthful driver, renewal discount, multi-policy, driver training, safe driver, and good student.
  • USAA offers discounts including multi-policy, multi-vehicle, good student, safe driver, military installation, vehicle storage, and annual mileage.

It’s a good idea to ask every prospective company to apply every possible discount. All car insurance discounts might not be available to policyholders in your area.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Everyone’s situation is a little different so your insurance needs to address that. For example, these questions might help in determining if your insurance needs might need professional guidance.

  • Can I drive in Mexico and have coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I buy only the required minimum liability coverage?
  • Am I covered if hit by an uninsured driver?
  • Do I have coverage for damage caused while driving under the influence?
  • Why do I need rental car insurance?
  • Should I waive the damage coverage when renting a car?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of insurance coverage companies in your area.

Car insurance 101

Understanding the coverages of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average car insurance policy.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses like X-ray expenses, dental work, ambulance fees and EMT expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible

Comprehensive coverages

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a bird, theft and a tree branch falling on your vehicle. The most your car insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability auto insurance

This protects you from damage or injury you incur to other’s property or people that is your fault. This coverage protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that translate to $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as repair bills for other people’s vehicles, medical services, emergency aid and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your Chevy Cruze.

Due to the fact that many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Auto collision coverage

Collision insurance will pay to fix damage to your Cruze resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims like sideswiping another vehicle, colliding with a tree, scraping a guard rail, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

And the best car insurance company is…

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, someone dropped physical damage coverage only to discover later that the small savings ended up costing them much more. The goal is to buy the best coverage you can find at an affordable rate while not skimping on critical coverages.

In this article, we covered a lot of information how to save on 2015 Chevy Cruze insurance. The most important thing to understand is the more companies you get rates for, the better chance you’ll have of finding cheap insurance coverage. You may even discover the lowest prices are with a company that doesn’t do a lot of advertising. These smaller insurers can often insure niche markets at a lower cost as compared to the big name companies such as Progressive and GEICO.

Additional detailed information can be found by following these links: