2016 Chevrolet Cruze Limited Insurance Rates – 7 Tips for Cheapest Quotes

Do you get overwhelmed by the dozens of auto insurance providers? vehicle owners have such a vast assortment of providers available that it can quickly become a real challenge to find the perfect company for you.

You should take the time to do price comparisons once or twice a year since insurance prices are rarely the same from one policy term to another. Just because you had the best deal for Cruze Limited insurance a couple years back other companies may now be cheaper. Ignore everything you know about auto insurance because I’m going to teach you the quickest way to lower your annual insurance bill.

Get lower-cost auto insurance with discounts

Insuring your vehicles can cost a lot, but there could be available discounts to help bring down the price. Certain credits will be shown when you quote, but occassionally some discounts must be asked for before being credited.

  • College Student – Kids living away from home attending college and do not have a car could qualify for this discount.
  • Discounts for Safe Drivers – Accident-free drivers can get discounts for up to 45% lower rates for Cruze Limited insurance as compared to drivers with claims.
  • 55 and Retired – If you qualify as a senior citizen, you are able to get lower premium rates for Cruze Limited insurance.
  • Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices prevent vehicle theft and can earn a small discount on your policy.
  • Full Payment Discount – If you can afford to pay the entire bill rather than spreading payments over time you can avoid monthly service charges.
  • Discounts for New Vehicles – Adding a new car to your policy can save you some money due to better safety requirements for new model year vehicles.
  • Clubs and Organizations – Being in qualifying clubs or civic groups could qualify you for a break on auto insurance.

As a disclaimer on discounts, most credits do not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. So even though they make it sound like you could get a free auto insurance policy, you aren’t that lucky. But any discount will positively reduce your premiums.

The best auto insurance companies and their possible discounts are:

  • Farm Bureau includes discounts for 55 and retired, good student, safe driver, multi-vehicle, and driver training.
  • MetLife may offer discounts for defensive driver, good driver, good student, accident-free, multi-policy, claim-free
  • Progressive policyholders can earn discounts including online signing, homeowner, multi-policy, continuous coverage, and online quote discount.
  • AAA discounts include multi-policy, multi-car, education and occupation, good student, good driver, AAA membership discount, and anti-theft.
  • American Family may include discounts for bundled insurance, accident-free, Steer into Savings, good student, multi-vehicle, good driver, and mySafetyValet.
  • GEICO offers premium reductions for seat belt use, air bags, anti-theft, defensive driver, and federal employee.
  • State Farm may have discounts that include safe vehicle, multiple policy, good student, passive restraint, accident-free, and student away at school.

If you want cheaper auto insurance quotes, ask every insurance company what discounts are available to you. Some discounts listed above might not apply everywhere.

Beware of misleading insurance ads

Insurance providers like Allstate and Progressive constantly bombard you with ads on TV and radio. All the companies advertise the message that drivers will save a bundle if you move your insurance coverage to their company. That’s great but how can every company charge lower premium rates? It’s all in the numbers.

Insurance companies offer their best rates for a prospective insured that will generate a profit. For example, a desirable insured may need to be a married male, has no prior claims, and drives less than 5,000 miles a year. A propective insured that meets those criteria will get very good car insurance rates and as a result will probably save when switching.

People who fall outside those standards may be forced to pay higher premiums which leads to the customer not purchasing. Company advertisements say “drivers who switch” but not “all drivers who get quotes” save money. That’s why insurance companies can make those statements.

This illustrates why drivers should compare many company’s car insurance rates. Because you never know which insurance company will have the best rates at this point in time.

Tailor your car insurance coverage to you

When buying the right insurance coverage, there isn’t really a best way to insure your cars. Everyone’s situation is unique.

For instance, these questions could help you determine if you would benefit from an agent’s advice.

  • Does my policy cover my teen driver if they drive my company car?
  • How much can I save by bundling my policies?
  • Does insurance cover tools stolen from my truck?
  • What should my uninsured motorist coverage limits be in my state?
  • Am I covered if I hit a deer?
  • Are rental cars covered under my policy?
  • Am I covered if I drive in a foreign country?
  • Is my state a no-fault state?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Coverages available on your policy

Learning about specific coverages of car insurance aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Med pay and PIP coverage reimburse you for expenses for hospital visits, nursing services and ambulance fees. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants and damage to your Chevy Cruze Limited.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage

This coverage pays for damage to your Cruze Limited caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like damaging your car on a curb, crashing into a ditch, rolling your car, colliding with a tree and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to bring the cost down.

Comprehensive coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like a broken windshield, fire damage, falling objects, theft and damage from flooding. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability car insurance

Liability insurance will cover damage or injury you incur to people or other property that is your fault. It protects you from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things like repair costs for stationary objects, court costs, loss of income and funeral expenses. How much coverage you buy is up to you, but buy as much as you can afford.

Feed the piggy bank

When you buy auto insurance online, it’s a bad idea to skimp on critical coverages to save a buck or two. There are many occasions where an insured cut collision coverage only to discover later that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy a smart amount of coverage for the lowest cost, but don’t skip important coverages to save money.

A few companies do not provide online price quotes and most of the time these small, regional companies only sell through independent agents. Lower-priced 2016 Chevy Cruze Limited insurance is definitely available on the web in addition to many insurance agents, and you need to price shop both so you have a total pricing picture.

Drivers switch companies for many reasons like policy non-renewal, high rates after DUI convictions, questionable increases in premium and even an unsatisfactory settlement offer. No matter why you want to switch, finding a great new company is not as difficult as it may seem.

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