Save on 2016 Chevrolet Cruze Car Insurance Rates

Want the cheapest insurance coverage rates for your Chevrolet Cruze? Trying to find the cheapest insurance for a Chevy Cruze can be a lot of work, but you can use these tips and make it easy.

There is a better way to shop for insurance coverage and you need to know the proper way to price shop coverage for a Chevy and get the cheapest rates from local insurance agents and online providers.

Compare insurance coverage quotes

Comparing insurance coverage rates can be exhausting if you don’t know the most efficient way to do it. You could waste time talking about coverages with local insurance agents in your area, or you could save time and use online quoting to achieve your goal.

Most major companies are enrolled in a marketplace that enables customers to enter their policy data once, and at least one company then gives them pricing based on that data. This prevents consumers from doing quote forms for each company you want a rate for.

To fill out one form to compare multiple rates now click here to open in new window.

The only downside to getting quotes like this is that you can’t choose which carriers you will receive quotes from. So if you want to choose from a list of companies to request quotes from, we have a page of the cheapest insurance coverage companies in your area. View list of insurance companies.

Whichever method you choose, do your best to enter apples-to-apples coverages and limits for each quote you get. If your comparisons have unequal deductibles or liability limits it will be impossible to make an equal comparison.

Discounts can really help save money

Car insurance can cost a lot, but there are discounts available to help bring down the price. A few discounts will be applied at quote time, but once in a while a discount must be requested specifically before you get the savings.

  • College Student – Children who are enrolled in a college that is more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Paperwork-free – Certain insurance companies will provide an incentive for buying a policy and signing up over the internet.
  • Driver Safety – Taking part in a course teaching driver safety skills could cut 5% off your bill and easily pay for the cost of the class.
  • No Accidents – Good drivers with no accidents get the best insurance rates when compared with frequent claim filers.
  • Theft Prevention Discount – Vehicles equipped with tracking devices and advanced anti-theft systems are stolen with less frequency so companies will give you a small discount.
  • Discounts for Multiple Vehicles – Buying coverage for more than one vehicle with one company may reduce the rate for each vehicle.
  • Discounts for Government Workers – Having worked for a branch of the government may qualify for a discount when you quote insurance coverage on Cruze coverage but check with your company.
  • Payment Discounts – By paying your policy upfront instead of monthly or quarterly installments you can avoid monthly service charges.
  • Low Mileage Discounts – Fewer annual miles on your Chevy could earn discounted rates on garaged vehicles.

A little note about advertised discounts, most discounts do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. If you do the math and it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

To see a list of companies that offer multiple discounts, click here to view.

Components of your Chevy Cruze insurance prices

One of the most helpful ways to save on auto insurance is to to have a grasp of the factors that help determine the level of your policy premiums. When you know what positively or negatively determines premiums, this helps enable you to make changes that could help you find much lower annual insurance costs. Lots of things are taken into consideration when you quote your car insurance policy. Some factors are common sense like a motor vehicle report, but some are more obscure such as whether you are married or your financial responsibility.

Shown below are just a few of the factors auto insurance companies consider when setting premiums.

  • Safety first – Vehicles with high crash test scores cost less to insure. The safest vehicles reduce occupant injuries and better occupant protection translates into fewer and smaller insurance claims passed on to you as lower rates.
  • Too many insurance claims drive up premiums – Auto insurance companies provide the lowest premiums to policyholders who file claims infrequently. If you frequently file small claims, you can pretty much guarantee much higher rates or policy non-renewal. Your insurance policy is intended for more catestrophic claims.
  • Your job may affect premiums – Occupations such as military generals, social workers and miners are shown to have higher premium rates in part from high stress and lots of time spent at work. Conversely, jobs like scientists, students and homemakers have the lowest average rates on Cruze coverage.
  • Better premiums with anti-theft devices – Choosing a vehicle that has an advanced theft prevention system can save you some money. Anti-theft devices like GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart vehicle theft.

Will just any policy work for me?

When choosing coverage for your vehicles, there is no one size fits all plan. Everyone’s situation is unique.

These are some specific questions may help highlight whether or not you might need an agent’s assistance.

  • I have a DUI can I still get coverage?
  • What is the minimum liability in my state?
  • What is high-risk coverage and where do I buy it?
  • Am I covered when driving a rental car?
  • How can I get my company to pay me more for my totalled car?
  • Should I buy full coverage?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to an agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

What insurance coverages do you need?

Knowing the specifics of a insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Comprehensive or Other Than Collision – This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims like fire damage, hitting a bird, vandalism and hail damage. The most your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability – Liability insurance can cover damage that occurs to a person or their property. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims such as repair costs for stationary objects, pain and suffering, repair bills for other people’s vehicles, structural damage and loss of income. How much coverage you buy is up to you, but you should buy as much as you can afford.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for things like rehabilitation expenses, doctor visits, hospital visits and prosthetic devices. They can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – Collision coverage covers damage to your Cruze resulting from a collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as hitting a mailbox, hitting a parking meter and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

UM/UIM Coverage – This coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Best coverage at the best price

Drivers change insurance companies for any number of reasons including extreme rates for teen drivers, denial of a claim, questionable increases in premium or even not issuing a premium refund. Whatever your reason, switching insurance companies is less work than it seems.

We just covered many tips how you can get a better price on 2016 Chevy Cruze insurance. The key concept to understand is the more quotes you get, the better chance you’ll have of finding inexpensive insurance coverage. Consumers may even find the best prices are with a small local company.

A few companies may not provide online price quotes regional carriers provide coverage only through independent agents. Cheap 2016 Chevy Cruze insurance can be purchased from both online companies as well as from independent agents, and you need to comparison shop both in order to have the best price selection to choose from.

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