Save on 2017 Chevrolet SS Insurance Quotes

Looking for the cheapest insurance rates? Shoppers have options when shopping for the lowest priced Chevy SS insurance. You can either spend your time struggling with agents trying to get quotes or leverage the internet to compare rates.

There is a right way and a wrong way to compare insurance rates and we’ll show you the best way to price shop coverage on a Chevy and get the lowest possible price.

Affordable insurance price quotes online

There are several ways you can shop for insurance but there is one way that is more efficient than others. You could spend your day talking about coverages with insurance companies in your area, or you can stay home and use online quotes for quick rates.

Many popular insurance companies enroll in a system where prospective buyers enter their coverage request one time, and at least one company then returns a price quote based on the submitted data. This prevents consumers from doing quotation requests for each company you want a rate for.

To get comparison pricing now click here (opens in new window).

The single downside to pricing coverage this way is you can’t choose which insurance companies you want pricing from. If you would rather choose specific insurance companies to receive pricing from, we have a listing of the cheapest insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but make sure you compare exactly the same coverage limits and deductibles on every price quote you get. If you enter different data you will not be able to truly determine the lowest rate.

Switch companies and save? Really?

Consumers can’t get away from ads that claim the lowest premium rates by Allstate, GEICO and Progressive. All the ads make the same claim that people will save if you switch your coverage.

How do they all make the same claim? You have to listen carefully.

Insurance companies quote their cheapest rates for the driver that will add to their bottom line. A good example of a profitable insured might have to be between 25 and 40, has never had a claim, and drives a car with an anti-theft system. Any customer that meets those criteria will probably get cheap rates and as a result will probably pay quite a bit less when switching companies.

Consumers who are not a match for this ideal profile may be required to pay higher premiums which translates to business going elsewhere. The wording the ads use say “customers that switch” but not “everyone who gets a quote” will save that much if they switch. That’s why insurance companies can confidently make claims that they all have the best premium rates.

This illustrates why you really need to get price quotes at each policy renewal. Because you cannot predict which insurance company will be your best fit.

Quote Chevy SS insurance for less

Multiple criteria are taken into consideration when you get your auto insurance bill. Some are pretty understandable like your driving record, but some are not as apparent like your vehicle usage or how financially stable you are.

  • Where you live is a factor – Living in a small town can be a good thing when buying insurance coverage. Less people means less chance of accidents and also fewer theft and vandalism claims. Residents of big cities have much more traffic and more time behind the wheel. The longer drive time can result in more accidents.
  • High coverage deductibles reduce prices – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Examples of covered claims are a broken side mirror, collision with an animal, and damage from a fallen tree branch. Comprehensive and collision coverage deductibles state the amount of money you are willing to pay if a covered claim is submitted. The more of the claim the insured has to pay upfront, the less your company will charge you for insurance for SS coverage.
  • Theft deterrents systems cut insurance coverage rates – Buying a car that has a built-in theft deterrent system can earn a premium discount. Advanced theft deterrents such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder auto theft.
  • Safeguard your assets with liability protection – The liability coverage on your policy is the coverage that protects you in the event that a jury decides you are liable for an accident. Liability provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to comp and collision, so insureds should have plenty of protection for their assets.
  • Certain occupations raise prices – Did you know your career choice can influence rates? Jobs such as military generalsairline pilots and stock brokers have higher rates than average attributed to high stress levels and long work hours. Other careers such as farmers, students and retirees have the lowest average rates for SS coverage.
  • Cheaper to insure women? – Statistics have proven females are less aggressive when driving. The data does not necessarily mean that men are WORSE drivers than women. Both sexes are responsible for at-fault accidents in similar percentages, but the men have accidents that have higher claims. They also get more serious tickets such as DWI and reckless driving. Teenage male drivers generally have the highest accident percentage so it costs more to insure them.
  • Eliminate incidental coverages – There are a lot of extra bells and whistles that may not really be needed but may not be useful. Coverage for things like coverage for rental cars, towing, and extra equipment coverage are probably not needed. These coverages may sound good when buying your policy, but if you’ve never needed them in the past think about removing them and cutting costs.

Don’t miss with these discounts

Not many people think insurance is cheap, but you might be missing out on some discounts that you may not even know about. Certain credits will be shown when you complete an application, but some discounts are required to be requested specifically before being credited.

  • Government Employees – Active or retired federal employment could provide a small rate reduction for SS coverage depending on your insurance provider.
  • Distant College Student Discount – Any of your kids who are enrolled in higher education away from home and do not have a car could get you a discount.
  • Air Bags and Passive Restraints – Factory options such as air bags or motorized seat belts can receive discounts of more than 20%.
  • Save with a New Car – Insuring a new car can cost up to 25% less because newer vehicles are generally safer.
  • Save with More Vehicles Insured – Buying a policy with more than one vehicle on one policy could earn a price break for each car.
  • Defensive Driver Discount – Taking a safe driver class could earn you a small percentage discount depending on where you live.
  • Senior Discount – Mature drivers could receive better insurance rates for SS coverage.

As a disclaimer on discounts, some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So even though you would think all the discounts add up to a free policy, you’re out of luck.

Larger insurance companies and some of their more popular discounts are:

  • Esurance discounts include anti-lock brakes, Pac-12 alumni, Switch & Save, good driver, safety device, and multi-car.
  • The Hartford has discounts for defensive driver, driver training, good student, bundle, and vehicle fuel type.
  • AAA may offer discounts for AAA membership discount, pay-in-full, anti-theft, multi-policy, good student, education and occupation, and good driver.
  • GEICO offers premium reductions for driver training, membership and employees, defensive driver, seat belt use, emergency military deployment, air bags, and multi-vehicle.
  • State Farm has savings for good student, good driver, student away at school, anti-theft, Steer Clear safe driver discount, multiple autos, and driver’s education.

If you want cheaper insurance quotes, ask all companies you are considering which discounts can lower your rates. Some credits might not be offered on policies everywhere. To view insurance companies with significant discounts, click here to view.

Your situation helps dictate your coverage

When buying adequate coverage, there really is no perfect coverage plan. Everyone’s situation is unique.

For instance, these questions may help you determine if your insurance needs might need professional guidance.

  • What if I owe more than I can insure my car for?
  • Should I carry comprehensive and collision coverage?
  • Do I really need UM/UIM coverage?
  • Do I have coverage when making deliveries for my home business?
  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I break a side mirror?
  • What if I don’t agree with a claim settlement offer?
  • Should I waive the damage coverage when renting a car?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverage considerations

Understanding the coverages of auto insurance helps when choosing appropriate coverage at the best deductibles and correct limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive auto insurance

This coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from getting keyed, hitting a deer and hail damage. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy SS.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Auto liability

This protects you from damage or injury you incur to people or other property. This coverage protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like structural damage, medical expenses, legal defense fees, repair bills for other people’s vehicles and loss of income. How much liability should you purchase? That is your choice, but consider buying as large an amount as possible.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses like surgery, prosthetic devices and ambulance fees. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Collision insurance

This coverage pays for damage to your SS resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as hitting a mailbox, sustaining damage from a pot hole, scraping a guard rail, colliding with another moving vehicle and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Don’t be a big spender

As you quote insurance, it’s very important that you do not reduce coverage to reduce premium. Too many times, an accident victim reduced uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your focus should be to purchase plenty of coverage at a price you can afford but still have enough coverage for asset protection.

Insureds change insurance companies for many reasons like questionable increases in premium, high prices, poor customer service and not issuing a premium refund. No matter why you want to switch, switching companies is easier than you think.

Affordable 2017 Chevy SS insurance is definitely available both online and from local agencies, and you need to price shop both to get a complete price analysis. A few companies may not offer online price quotes and usually these smaller companies work with independent agents.

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