How Much Does 2017 Chevrolet Cruze Insurance Cost?

Buyers have many options when searching for the best price on Chevy Cruze insurance. You can either spend your time contacting agents getting price quotes or utilize the internet to make rate comparisons. There is a better way to shop for car insurance so we’re going to tell you the quickest way to price shop coverage for a new or used Chevy and obtain the lowest possible price from local insurance agents and online providers.

It’s important to compare premium rates every six months since insurance prices are usually higher with each renewal. Even if you think you had the best deal on Cruze coverage on your last policy there may be better deals available now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate the only way to buy cheaper car insurance.

Five things that impact your insurance costs

Many things are considered when premium rates are determined. Some are obvious like a motor vehicle report, although some other factors are more obscure like your vehicle usage or your vehicle rating.

The factors shown below are just a few of the factors auto insurance companies consider when setting rates.

  • Do you know your comp and collision deductibles? – The deductibles you choose represent how much money you are required to spend out-of-pocket before your auto insurance pays a claim. Physical damage insurance, also called ‘full coverage’, insures against damage to your car. Some coverage claims could be colliding with a stationary object, animal collisions, and damage from wind. The more of the claim you pay before a claim is paid (deductible), the better rate you will receive on Cruze coverage.
  • Cut auto insurance rates and deter theft – Buying a car that has an advanced theft prevention system can save you some money. Systems that thwart theives like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart your vehicle from being stolen.
  • Only buy coverage you need – There are many additional extra coverages that you can buy when buying auto insurance. Insurance for replacement cost coverage, towing, and extra life insurance coverage are examples of these. The coverages may be enticing initially, but your needs may have changed so get rid of them and save.
  • Cheaper auto insurance rates with safer cars – Cars with high safety ratings tend to be cheaper to insure. Vehicles engineered for safety reduce injuries and fewer injuries means less claims paid and cheaper rates on your policy.
  • Traffic violations drive up rates – Attentive drivers pay lower auto insurance prices compared to drivers with tickets. Getting just one driving citation could increase your next policy renewal forty percent or more. Drivers who have gotten dangerous tickets like DUI or willful reckless driving may need to submit a SR-22 form with their state’s department of motor vehicles in order to drive a vehicle legally.

Do you qualify for discounts?

Car insurance companies do not advertise all their discounts very well, so the list below details a few of the more well known and the more hidden discounts that you can inquire about if you buy car insurance online.

  • Telematics Data – Policyholders that allow their company to monitor driving habits by using a small device installed in their vehicle such as Progressive’s Snapshot might get better premium rates if they have good driving habits.
  • Auto/Home Discount – If you insure your home and vehicles with one company you may earn at least 10% off all policies.
  • 55 and Retired – If you qualify as a senior citizen, you may be able to get a discount up to 10% on Cruze coverage.
  • Accident Free – Good drivers with no accidents have much lower rates as compared to drivers who are more careless.
  • E-sign – A handful of car insurance companies give back up to $50 for completing your application digitally online.

It’s important to understand that some credits don’t apply to the overall cost of the policy. The majority will only reduce individual premiums such as medical payments or collision. So when the math indicates all those discounts means the company will pay you, companies don’t profit that way.

To choose insurers that offer discounts, click this link.

Don’t assume everyone needs the same car insurance coverage

When it comes to choosing proper insurance coverage, there is no one size fits all plan. Every insured’s situation is different.

Here are some questions about coverages that may help you determine whether or not you may require specific advice.

  • How much liability coverage do I need in my state?
  • Which companies will insure high-risk drivers?
  • What are the best liability limits?
  • Is my camper covered by my car insurance policy?
  • Should I rate my 2017 Chevy Cruze as pleasure use or commute?
  • Do I pay less for low miles?
  • Will my insurance pay for OEM parts?
  • What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions then you might want to talk to an agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and may give you better protection.

Insurance specifics

Knowing the specifics of your policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist (UM/UIM) – Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your Chevy Cruze.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important.

Liability car insurance – Liability coverage provides protection from damage that occurs to a person or their property by causing an accident. This insurance protects YOU against claims from other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as attorney fees, bail bonds, pain and suffering, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive insurance – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as fire damage, vandalism, damage from getting keyed and a broken windshield. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage provide coverage for immediate expenses for hospital visits, rehabilitation expenses, funeral costs and ambulance fees. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverages – Collision insurance pays for damage to your Cruze from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a mailbox, colliding with a tree, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Money doesn’t grow on trees

A few companies do not provide internet price quotes and these regional insurance providers prefer to sell through independent agencies. Low-cost 2017 Chevy Cruze insurance is possible on the web and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.

When you buy car insurance online, you should never reduce needed coverages to save money. In many cases, someone dropped liability coverage limits only to find out that it was a big mistake. The goal is to buy the best coverage you can find for the lowest cost, but do not sacrifice coverage to save money.

Insureds leave their current company for many reasons like unfair underwriting practices, high rates after DUI convictions, poor customer service and policy non-renewal. Whatever your reason, finding a great new company can be less work than you think.

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