2016 Chevrolet Volt Insurance Quotes – 7 Policy Discounts

Shoppers have many options when shopping for low-cost Chevy Volt insurance. You can either waste hours driving around trying to get quotes or utilize the internet to get rate quotes.

There are both good and bad ways to find insurance online and we’ll show you the absolute fastest way to get price quotes for a Chevy and obtain the cheapest rates either online or from local insurance agents.

The purpose of this article is to teach you how car insurance quotes work. If you are paying for car insurance now, you stand a good chance to be able to reduce your rates substantially using these tips. Consumers only need an understanding of the tricks to compare rates online.

The quickest method to compare rate quotes is to realize most of the larger companies provide online access to give free rates quotes. To get started, all you need to do is provide details including types of safety features, how much school you completed, driver ages, and if a SR-22 is needed. The rating information is automatically sent to many highly-rated insurers and they provide comparison quotes quickly.

To get price quotes for your 2016 Chevy Volt now, click here and enter your zip code.

Lower-cost insurance quotes with discounts

Companies don’t list every possible discount very well, so we researched a few of the more well known in addition to some of the lesser obvious discounts that you may qualify for. If you aren’t receiving every discount available, you are just wasting money.

• Student Driver Training – Require your teen driver to complete a driver education course as it can save substantially.
• Payment Method – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
• Telematics Data Discounts – Drivers who elect to allow driving data collection to monitor when and where they use their vehicle by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they have good driving habits.
• Professional Memberships – Being in a civic or occupational organization is a simple method to lower premiums when shopping for insurance.
• Paperwork-free – Many companies will give you a small discount get insurance coverage on the web.
• Own a Home – Owning a home can save you money because it means you have a higher level of financial diligence.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 25 to 30%.

One thing to note about discounts is that most of the big mark downs will not be given to the entire policy premium. Some only reduce specific coverage prices like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, you won’t be that lucky.

A list of insurance companies and some of their more popular discounts are:

• Progressive policyholders can earn discounts including homeowner, online quote discount, multi-policy, online signing, continuous coverage, and multi-vehicle.
• MetLife includes discounts for claim-free, accident-free, good driver, defensive driver, good student, and multi-policy.
• Mercury Insurance may include discounts for multi-car, accident-free, good student, location of vehicle, anti-theft, and age of vehicle.
• Nationwide offers discounts for defensive driving, good student, accident-free, family plan, easy pay, Farm Bureau membership, and anti-theft.
• GEICO discounts include anti-lock brakes, defensive driver, five-year accident-free, anti-theft, and federal employee.
• AAA has discounts for pay-in-full, education and occupation, good driver, AAA membership discount, and anti-theft.

If you need inexpensive insurance coverage quotes, ask every prospective company the best way to save money. Savings may not be offered in every state. For a list of insurance companies who offer insurance discounts, click here.

Tailor your auto insurance coverage to you

When buying proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Every situation is different.

For example, these questions may help you determine whether you may require specific advice.

• Do I need added coverage for expensive stereo equipment?
• Exactly who is provided coverage by my policy?
• Am I covered if I wreck a rental car?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Do all my vehicles need collision coverage?
• What if I total my 2016 Chevy Volt and owe more than it’s worth?
• Are all vehicle passengers covered by medical payments coverage?
• Who is covered when they drive my 2016 Chevy Volt?
• Am I covered if my car is in a flood?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverage options for a Chevy Volt

Understanding the coverages of your car insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Protection from uninsured/underinsured drivers – This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Volt.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually the UM/UIM limits do not exceed the liability coverage limits.

Comprehensive (Other than Collision) – This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hail damage, rock chips in glass and fire damage. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision – Collision insurance pays for damage to your Volt caused by collision with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as rolling your car, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Coverage for liability – Liability insurance can cover injuries or damage you cause to other’s property or people that is your fault. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability coverage protects against claims like loss of income, repair bills for other people’s vehicles, repair costs for stationary objects, court costs and medical expenses. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage pay for bills like hospital visits, rehabilitation expenses and funeral costs. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible