2017 Chevrolet Bolt Insurance Rates – 9 Tips for Cheaper Quotes

Searching for cheaper insurance for your Chevy Bolt can turn out to be an all-consuming task, but you can use our auto insurance buying tips and make it easy.

There is a better way to compare auto insurance rates so we’re going to tell you the absolute fastest way to quote coverages for your Chevy and find the lowest possible price from local insurance agents and online providers.

You should take the time to compare premium rates as often as possible due to the fact that insurance prices are constantly changing. Just because you had the lowest quotes for Bolt coverage a year ago there is a good chance you can find better rates now. There is lot of inaccurate information about auto insurance on the web, but by reading this article, you’re going to learn some excellent ideas to lower your auto insurance premiums.

If you have a current insurance policy or are shopping for new coverage, you can learn to reduce the price you pay while maximizing coverage. Buying affordable insurance coverage is not that difficult. Consumers just need to understand the most effective way to shop for insurance on the web.

The method we recommend to get policy rate comparisons is to know the fact most of the bigger providers will pay a fee to compare their rates. To get started, all you need to do is provide information including if it has an anti-theft system, whether you are married, if the car is leased, and level of coverage desired. Your rating data is sent automatically to multiple companies and you get price estimates very quickly.

Insurance coverage policy discounts

Some companies do not advertise the complete list of policy discounts in an easy-to-find place, so below is a list both the well known as well as some of the hidden credits available to lower your premiums when you buy insurance online.

  • Claim Free – Drivers with accident-free driving histories can save substantially as opposed to drivers with a long claim history.
  • Active Military Service – Being on active deployment in the military could qualify you for better premium rates.
  • Senior Citizen Discount – If you qualify as a senior citizen, you may receive a small decrease in premiums for Bolt coverage.
  • Federal Government Employee – Simply working for the federal government may qualify for a discount when you quote insurance for Bolt coverage but check with your company.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class in school or through a local driver safety program.
  • College Student Discount – Older children who are attending college and do not take a car to college can be insured at a reduced rate.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Chevy could earn substantially lower premium rates.
  • Buy New and Save – Buying a new car model can get you a discount because new vehicles are generally safer.
  • One Accident Forgiven – Not a discount per se, but a few companies such as State Farm and GEICO permit an accident before they charge you more for coverage if you are claim-free prior to being involved in the accident.

A little disclaimer on discounts, some of the credits will not apply the the whole policy. Most only cut individual premiums such as physical damage coverage or medical payments. Even though the math looks like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

Companies and their possible discounts are shown below.

  • State Farm may have discounts that include driver’s education, multiple autos, safe vehicle, student away at school, defensive driving training, and passive restraint.
  • GEICO includes discounts for membership and employees, seat belt use, military active duty, air bags, and anti-lock brakes.
  • Progressive offers discounts for multi-vehicle, online quote discount, good student, continuous coverage, and homeowner.
  • 21st Century has savings for 55 and older, anti-lock brakes, early bird, teen driver, defensive driver, homeowners, and good student.
  • American Family has discounts for good driver, bundled insurance, air bags, good student, and early bird.
  • The Hartford may offer discounts for air bag, bundle, good student, driver training, defensive driver, vehicle fuel type, and anti-theft.
  • AAA may include discounts for good driver, good student, AAA membership discount, education and occupation, anti-theft, and multi-car.

If you need inexpensive insurance quotes, ask every insurance company what discounts are available to you. Savings may not apply to policyholders in your area. If you would like to choose from a list of insurance coverage companies with significant discounts, follow this link.

How do I know if I need professional advice?

When buying the right insurance coverage, there is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that might point out whether your personal situation might need an agent’s assistance.

  • Am I covered when using my vehicle for business?
  • Should I buy only the required minimum liability coverage?
  • Why am I required to buy liability insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Should I buy full coverage?
  • Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages for a Chevy Bolt

Understanding the coverages of a insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and reading a policy is terribly boring.

Collision coverage

This coverage pays to fix your vehicle from damage resulting from a collision with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for claims like driving through your garage door, rolling your car, hitting a mailbox and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical costs insurance

Med pay and PIP coverage provide coverage for immediate expenses like chiropractic care, doctor visits, X-ray expenses and hospital visits. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

Your UM/UIM coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your Chevy Bolt.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Coverage for liability

This provides protection from damage or injury you incur to other’s property or people by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Another option is a combined single limit or CSL that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair bills for other people’s vehicles, court costs, structural damage and pain and suffering. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for 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 insurance covers claims such as hitting a deer, a broken windshield, falling objects and theft. The most a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Quote often and quote early

People leave their current company for any number of reasons including denial of a claim, questionable increases in premium, an unsatisfactory settlement offer and policy cancellation. Whatever your reason, finding a new company can be easier than you think.

We just covered a lot of tips how to shop for 2017 Chevy Bolt insurance online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. Consumers may even find the best price on insurance coverage is with a small local company.

While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. Too many times, an insured cut full coverage and discovered at claim time they didn’t have enough coverage. Your strategy should be to purchase a proper amount of coverage at the lowest possible cost, but do not skimp to save money.

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