2016 Chevrolet SS Insurance Cost – 5 Ideas for Cheaper Prices

Looking for better auto insurance rates for your Chevrolet SS? Paying for overpriced Chevrolet SS insurance can dwindle your budget and force you to tighten up your finances. Due to the large number of choices of insurance companies, it can be diffult for drivers to locate the most cost effective insurer.

The purpose of this article is to tell you the most effective way to quote insurance. If you currently have a car insurance policy, you should be able to lower your premiums substantially using this strategy. Drivers just need to understand the proper way to shop over the internet.

Find discounts on insurance

Companies that sell car insurance don’t always list every available discount in an easy-to-find place, so the following is a list of some of the best known and the harder-to-find discounts that you may qualify for. If you do not check that you are getting every discount you qualify for, you are paying more than you should be.

  • Student in College – Children living away from home attending college and leave their car at home can receive lower rates.
  • Drive Less and Save – Keeping the miles down on your Chevy can qualify you for discounted insurancerates on garaged vehicles.
  • Claim Free – Drivers who stay claim-free can save substantially as opposed to drivers who are more careless.
  • Waiver for an Accident – This one isn’t a discount, but a handful of insurance companies will let one accident slide without raising rates so long as you haven’t had any claims for a particular time prior to the accident.
  • Pay Now and Pay Less – If you pay your bill all at once as opposed to paying monthly you may reduce your total bill.

Remember that some credits don’t apply the the whole policy. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Even though it may seem like all the discounts add up to a free policy, it doesn’t quite work that way. But any discount will definitely reduce your policy cost.

A few popular companies and a selection of discounts can be found below.

  • Farm Bureau may offer discounts for multi-vehicle, driver training, multi-policy, renewal discount, safe driver, and good student.
  • State Farm may include discounts for driver’s education, passive restraint, Steer Clear safe driver discount, anti-theft, accident-free, and Drive Safe & Save.
  • Progressive offers discounts including online quote discount, multi-policy, homeowner, good student, online signing, and continuous coverage.
  • Allstate includes discounts for anti-lock brakes, premier discount, eSmart discount, senior citizen, early signing, and good student.
  • Nationwide offers premium reductions for business or organization, multi-policy, accident-free, Farm Bureau membership, easy pay, anti-theft, and defensive driving.
  • MetLife has discounts for good student, multi-policy, claim-free, good driver, accident-free, and defensive driver.

If you need lower rates, check with each company or agent to apply every possible discount. A few discounts may not be available in every state. To locate insurers who offer cheap insurance quotes, click here to view.

Tailor your insurance coverage coverage to you

When buying proper insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that can aid in determining if your situation might need an agent’s assistance.

  • Is my Chevy SS covered if I use it for business?
  • Am I covered if I hit my neighbor’s mailbox?
  • Do I need an umbrella policy?
  • Do I need added coverage for expensive stereo equipment?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Are my friends covered when driving my car?
  • Is other people’s property covered if stolen from my vehicle?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and can help protect your family.

Detailed coverages of your car insurance policy

Learning about specific coverages of your car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Car insurance terms can be confusing and coverage can change by endorsement. Shown next are the normal coverages found on most car insurance policies.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for immediate expenses for things like doctor visits, dental work, prosthetic devices, rehabilitation expenses and nursing services. They are used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Coverage for liability

This coverage will cover damage or injury you incur to other people or property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things such as legal defense fees, repair bills for other people’s vehicles, attorney fees, court costs and bail bonds. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive insurance

This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, a broken windshield and hitting a bird. The highest amount you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision insurance

This coverage pays for damage to your SS resulting from a collision with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like colliding with another moving vehicle, sustaining damage from a pot hole, scraping a guard rail and rolling your car. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy SS.

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 should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Quote more, save more

More affordable insurance can be found from both online companies in addition to many insurance agents, and you should compare rates from both to get a complete price analysis. Some companies may not have internet price quotes and these regional insurance providers sell through independent insurance agents.

As you go through the steps to switch your coverage, don’t be tempted to skimp on coverage in order to save money. There are many occasions where drivers have reduced comprehensive coverage or liability limits only to find out that they should have had better coverage. Your aim should be to buy the best coverage you can find at the best cost and still be able to protect your assets.

We just presented many ideas to compare 2016 Chevy SS insurance prices online. It’s most important to understand that the more providers you compare, the higher your chance of finding cheap insurance coverage. Drivers may discover the biggest savings come from a smaller regional carrier. Regional companies may often insure only within specific states and give getter rates than their larger competitors like Allstate or State Farm.

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