View 2015 Chevrolet SS Insurance Cost

Looking for cheaper auto insurance rates for your Chevrolet SS? If you are new to online price comparisons, you may be overwhelmed by the large number of local and online companies all claiming to save you money.

It is always a good idea to compare premium rates every six months since insurance prices change quite often. Just because you had the best quotes on SS coverage on your last policy a different company probably has better rates today. Forget all the misinformation about auto insurance because you’re about to learn the right way to save on auto insurance.

These discounts can slash car insurance rates

Car insurance can be pricey, but there could be significant discounts that you may not even know about. Some trigger automatically at the time of quoting, but a few must be manually applied prior to receiving the credit.

  • Anti-lock Brakes – Cars equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
  • Payment Method – By paying your entire bill at once instead of making monthly payments you could save 5% or more.
  • New Vehicle Savings – Buying a new car model can save up to 30% because new model year vehicles keep occupants safer.
  • Accident-Free Discounts – Drivers who don’t have accidents can save substantially when compared with frequent claim filers.
  • Anti-theft System – Cars and trucks equipped with anti-theft or alarm systems are stolen with less frequency and that can save you a little bit as well.
  • First Accident Forgiveness – Not a discount per se, but companies like Progressive, Allstate, and GEICO will allow you to have one accident before they charge you more for coverage as long as you don’t have any claims prior to the accident.
  • Federal Government Employee – Active or retired federal employment may qualify for a discount when you quote insurance coverage on SS coverage with some car insurance companies.
  • Senior Citizens – Drivers that qualify as senior citizens are able to get a discount up to 10% on SS coverage.

Discounts lower rates, but most discounts do not apply to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. So even though you would think adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

A partial list of companies that may include most of these discounts may include but are not limited to:

When quoting, ask each insurance company which discounts you qualify for. Some discounts might not be offered in your area.

When do I need an agent’s advice?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no single plan that fits everyone. Each situation is unique.

For example, these questions might point out whether you will benefit from professional help.

  • What is the ISO rating for a 2015 Chevy SS?
  • Where can I find high-risk insurance?
  • Am I covered when delivering products for my home-based business?
  • Am I covered if I wreck a rental car?
  • Why do I only qualify for high-risk insurance?
  • Is my Chevy SS covered if I use it for business?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Can I still get insurance after a DUI?
  • When should I buy a commercial auto policy?

If it’s difficult to answer those questions but one or more may apply to you, you might consider talking to a licensed agent. To find an agent in your area, fill out this quick form.

Auto insurance buyers beware

GEICO, State Farm and Progressive regularly use ads on television and other media. All the ads convey the message of big savings just by moving your auto insurance coverage to their company. How is it possible that every company can give you a lower rate? It’s all in the words they use.

All companies quote the lowest rates for the type of driver that will add to their bottom line. For instance, a profitable customer might have to be between 25 and 40, carries full coverage, and drives a car with an anti-theft system. Any person that meets those criteria will get very good premium rates and will most likely cut their rates substantially.

Drivers who cannot meet this ideal profile will get a higher premium and this can result in the customer buying from a different company. The ads state “drivers that switch” but not “everyone who gets a quote” will save that much if they switch. That’s why insurance companies can lure you into getting a quote. Each company has different criteria, so it is so important to compare free insurance coverage quotes often. It’s just not possible to know which company will fit your personal profile best.

Auto insurance coverages explained

Knowing the specifics of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Coverage for collisions

This pays for damage to your SS resulting from a collision with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like driving through your garage door, sideswiping another vehicle, colliding with a tree and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Medical expense coverage

Med pay and PIP coverage kick in for short-term medical expenses such as nursing services, ambulance fees, funeral costs and surgery. They are used in conjunction with a health insurance program or if you are not covered by health insurance. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Comprehensive protection

This pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like falling objects, vandalism, theft and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability insurance

This coverage will cover damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as emergency aid, court costs, pain and suffering, medical expenses and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Uninsured or underinsured coverage

This protects you and your vehicle when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your 2015 Chevy SS.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Be a Smart Shopper

Drivers leave their current company for many reasons like being labeled a high risk driver, high prices, policy non-renewal or delays in paying claims. Regardless of your reason, finding the right car insurance provider is less work than it seems.

We just showed you quite a bit of information on how to save on 2015 Chevy SS insurance. It’s most important to understand that the more times you quote, the better likelihood of getting inexpensive insurance coverage. You may even find the lowest auto insurance rates come from some of the lesser-known companies.

Affordable 2015 Chevy SS insurance is available online as well as from insurance agents, and you need to comparison shop both to get a complete price analysis. Some companies may not have internet price quotes and many times these small, regional companies only sell coverage through local independent agents.

Even more information is available at these sites: