Compare 2018 Chevrolet Cruze Insurance Cost

Locating lower-cost insurance coverage on the web may seem to be problematic for consumers new to comparing prices on the web. With so many agents and insurers available, how can drivers even start to compare every possible option in order to find the lowest rates?

Get lower-cost auto insurance quotes with discounts

Properly insuring your vehicles can get expensive, but companies offer discounts that could drop your premiums quite a bit. Certain discounts will be applied at the time of purchase, but some need to be inquired about before being credited.

  • Theft Prevention System – Cars and trucks with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Payment Method – If you pay your bill all at once rather than paying in monthly installments you may reduce your total bill.
  • Smart Student Discounts – Excelling in school may save you up to 25%. The good student discount can last until age 25.
  • Discounts for Government Workers – Active or former government employment could provide a small rate reduction on Cruze insurance with a few auto insurance companies.
  • E-sign Discounts – Some insurance companies may give you up to $50 for completing your application over the internet.
  • New Car Discount – Insuring a new car can save up to 30% because new vehicles have to meet stringent safety requirements.
  • Homeowners Pay Less – Simply owning a home can help you save on auto insurance since home ownership requires a higher level of personal finance.
  • College Student Discount – Any of your kids living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Multiple Vehicles – Buying insurance for all your vehicles with the same auto insurance company can reduce rates for all insured vehicles.

Just know that many deductions do not apply to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, companies wouldn’t make money that way. Any qualifying discounts will cut your overall premium however.

Larger auto insurance companies and their possible discounts are shown below.

  • AAA offers discounts including pay-in-full, anti-theft, AAA membership discount, multi-car, and good driver.
  • Progressive may offer discounts for continuous coverage, multi-policy, homeowner, online quote discount, multi-vehicle, online signing, and good student.
  • State Farm may have discounts that include passive restraint, good student, anti-theft, Drive Safe & Save, student away at school, safe vehicle, and Steer Clear safe driver discount.
  • Esurance has discounts for Switch & Save, defensive driver, multi-policy, multi-car, and homeowner.
  • Nationwide may include discounts for good student, Farm Bureau membership, defensive driving, business or organization, and accident-free.

Double check with every company to apply every possible discount. Depending on the company, some discounts might not be available to policyholders in your area. To view insurers who offer cheap auto insurance quotes, click this link.

Tailor your auto insurance coverage to you

When it comes to choosing coverage for your vehicles, there really is no “best” method to buy coverage. Every situation is different.

These are some specific questions can help discover if your situation might need professional guidance.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Is my ex-spouse still covered by my policy?
  • Do I need more liability coverage?
  • Am I covered when driving someone else’s vehicle?
  • Should I rate my 2018 Chevy Cruze as pleasure use or commute?
  • Does my policy cover my teen driver if they drive my company car?
  • Is my state a no-fault state?
  • Am I missing any policy discounts?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. If you don’t have a local agent, complete this form.

Detailed coverages of your car insurance policy

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

Comprehensive insurance – This will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a deer, damage from flooding, damage from a tornado or hurricane and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries and damage to your Chevy Cruze.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked. Normally the UM/UIM limits are similar to your liability insurance amounts.

Liability auto insurance – This coverage will cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for things such as attorney fees, funeral expenses, bail bonds, court costs and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but you should buy as much as you can afford.

Collision coverages – Collision coverage covers damage to your Cruze from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like colliding with a tree, damaging your car on a curb, hitting a parking meter and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as doctor visits, pain medications, ambulance fees and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Be a penny pincher

Consumers leave their current company for a number of reasons such as lack of trust in their agent, high prices, policy cancellation and even extreme rates for teen drivers. Regardless of your reason, choosing a new company can be easy and end up saving you some money.

We covered a lot of ways to get a better price on 2018 Chevy Cruze insurance. It’s most important to understand that the more providers you compare, the better chance you’ll have of finding inexpensive car insurance. Drivers may discover the lowest rates are with some of the smallest insurance companies.

When buying insurance coverage, never reduce needed coverages to save money. There have been many situations where someone dropped comprehensive coverage or liability limits only to discover later that their decision to reduce coverage ended up costing them more. Your objective should be to purchase a proper amount of coverage at the best price, but do not sacrifice coverage to save money.

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