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Chevrolet Cruze Insurance Rates

You have many choices when shopping for insurance coverage for your Chevrolet vehicle. You can buy direct from an agent or shop online to compare insurance costs of insurance providers. Buying auto insurance by comparing rates online is easy, in addition you can save money.

People who are new to comparing rates may think shopping for low-cost Cruze insurance is going to be difficult. Getting better Cruze insurance cost can be quick and easy. Just take time getting comparison quotes from different insurance companies. This can be accomplished by getting a quick quote here.

Criteria which help determine Chevrolet insurance rates

Car insurance premiums on a Chevrolet Cruze can be significantly different based upon several criteria. A few of these criteria are:

  • The performance level of your Cruze
  • How many accidents you have had
  • Multiple policies can save money
  • Pleasure use vs. commuting use
  • Optional coverages like vehicle replacement
  • Your claim history
  • Maintaining coverage lowers rates
  • Owning a home can lower rates

An additional factor that helps determine Cruze insurance rates is the year of the vehicle. Models that are new cost more than older models so repair costs are higher which may end up costing you more. But new Chevrolet models may have safety features including anti-lock brakes, blind-spot warning system, an advanced theft deterrent system, and adaptive headlights that may help help offset higher rates.

To get more specific information about how much rates will be for your vehicle, select the year of your Cruze from the following list.

Auto liability insurance - Liability insurance provides protection from injuries or damage you cause to people or other property in an accident. Liability coverage protects against claims such as funeral expenses, loss of income, and emergency aid. Liability insurance is relatively cheap so you should buy as large an amount as possible.

Collision coverage - Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder. Collision coverage for your Cruze can be pricey, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Comprehensive insurance - This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle's value consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This coverage provides protection when the "other guys" either have no liability insurance or not enough. Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Med pay and Personal Injury Protection (PIP) - Medical payments and Personal Injury Protection insurance provide coverage for bills such as ambulance fees, surgery, and doctor visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is not universally available and may carry a deductible.

How Much are Chevrolet Cruze Insurance Rates?