2009 Chevrolet Cobalt Car Insurance Quotes

Searching for better insurance coverage rates for your Chevrolet Cobalt? Having to pay for overpriced insurance coverage can empty your bank account and force you to make sacrifices. Comparison shopping can be a smart way to tighten up your finances.

Multiple insurers compete for your business, and it can be difficult to compare rates to find the absolute best price available.

Discounts can really help lower premiums

Companies that sell car insurance don’t always publicize every available discount very well, so the following is a list of a few of the more well known in addition to some of the lesser obvious discounts that you may qualify for.

• Cautious Drivers – Safe drivers may receive a discount up to 45% for Cobalt coverage as compared to drivers with claims.
• Accident Forgiveness Coverage – but a handful of insurance companies will turn a blind eye to one accident without the usual rate increase so long as you are claim-free for a specific time period.
• Smart Student Discounts – Performing well in school may save as much as 25% on a car insurance quote. The discount lasts until age 25.
• Senior Discount – Mature drivers can get reduced rates for Cobalt coverage.
• Employee of Federal Government – Being employed by or retired from a federal job may qualify for a discount when you quote car insurance for Cobalt coverage with some auto insurance companies.
• Discount for Life Insurance – Auto insurance companies who offer life insurance give lower auto insurancerates if you buy some life insurance too.
• Buy New and Save – Insuring a vehicle that is new can get you a discount since new vehicles are generally safer.

Discounts save money, but please remember that some credits don’t apply to the entire policy premium. Most only apply to the cost of specific coverages such as physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, companies don’t profit that way. But all discounts will reduce your auto insurance premiums.

Some of the larger companies that may include many of the previously listed discounts are:

• State Farm
• Esurance
• Progressive
• Liberty Mutual
• Auto-Owners Insurance
• Geico

When comparing rates, check with each company or agent how you can save money. Some of the discounts discussed earlier might not be available to policyholders everywhere. To choose insurers who offer auto insurance discounts, click here to view.

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Four factors that impact insurance prices

Lots of things are part of the equation when you quote your car insurance policy. Some of the criteria are obvious like your driving record, although others are not as apparent like your continuous coverage or how financially stable you are.When buying insurance coverage it’s important to understand the rating factors that help determine your premiums. If you have a feel for what positively or negatively impacts your premiums, this empowers consumers to make smart changes that could result in lower premium levels.

• Do you qualify for a multi-policy discount? – Lots of insurance companies will give better rates to customers who have multiple policies with them, otherwise known as a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even though this discount sounds good, you may still want to check prices from other companies to guarantee you are still saving the most. You may still be able to find better rates by splitting coverages up.
• Where you live is a factor – Being located in a rural area can save you money when insuring your vehicles. Fewer drivers and short commutes means reduced accidents as well as less vandalism and auto theft. People in densly populated areas regularly have congested traffic and a longer drive to work. More time behind the wheel statistically corresponds to a higher accident and claim rate.
• Do you need those extra policy coverages? – Insurance companies have many optional add-on coverages that you can buy on your Cobalt policy. Insurance for things like personal injury protection, high-cost glass coverage, and motor club memberships may not be needed and are just wasting money. They may seem like a good idea when talking to your agent, but if you don’t need them remove them from your policy.
• Premiums also based on gender – Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men cause at-fault accidents at a similar rate, but males have accidents that have higher claims. Not only that, but men also have more aggressive citations like reckless driving and DUI.

Will just any policy work for me?

When buying the best insurance coverage coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For example, these questions can help discover if your situation would benefit from professional advice.

• What is no-fault insurance?
• Should I file a claim if it’s only slightly more than my deductible?
• Can I afford to pay high deductible claims out of pocket?
• Does my insurance cover my expensive audio equipment?
• Does having multiple vehicles earn me a discount?
• Does my policy cover me when driving someone else’s vehicle?
• Is a fancy paint job covered?
• How much liability insurance is required?
• Are rock chip repairs covered?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area.

Save $381 a year. For real?

Insurance coverage companies such as Allstate, Geico and Progressive regularly use television and radio advertisements. All the companies make the same claim about savings after switching your policy. How does every company give you a lower rate? You have to listen carefully.

Companies can use profiling for a prospective insured that will generate a profit. An example of a profitable risk profile may be over the age of 40, has other policies, and drives less than 10,000 miles a year. Any driver who fits that profile receive the lowest rate quotes and most likely will cut their rates if they switch.

Insureds who do not meet the requirements will see a higher rate which results in business not being written. The ads say “people that switch” not “all people who quote” can save as much as they claim. That is how insurance companies can lure you into getting a quote. This illustrates why it’s extremely important to compare as many free car insurance quotes as you can. Because you cannot predict the company that will provide the lowest premium rates.

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Coverages available on your policy

Learning about specific coverages of auto insurance aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and coverage can change by endorsement. These are typical coverages found on most auto insurance policies.

Comprehensive (Other than Collision) – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like vandalism, damage from getting keyed, rock chips in glass, damage from flooding and falling objects. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Chevy Cobalt.

Since many drivers 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 important protection for you and your family.

Liability coverages – Liability coverage will cover damages or injuries you inflict on a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that means you have a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability insurance covers claims like medical expenses, emergency aid and loss of income. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Medical expense insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses for surgery, EMT expenses and ambulance fees. They are used to fill the gap from your health insurance program or if you do not have health coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Collision coverages – This coverage covers damage to your Cobalt from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as colliding with a tree, colliding with another moving vehicle and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Quote more, save more

Throughout this article, we presented quite a bit of information on how to shop for 2009 Chevy Cobalt insurance online. The key thing to remember is the more providers you compare, the better chance you’ll have of finding cheaper car insurance. Drivers may discover the biggest savings come from some of the lesser-known companies. Smaller companies often have lower premium rates on specific markets compared to the large companies like Geico and State Farm.

When shopping online for insurance coverage, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, someone dropped liability coverage limits only to find out that the savings was not a smart move. The aim is to buy the best coverage you can find at an affordable rate and still be able to protect your assets.

Low-cost 2009 Chevy Cobalt insurance is available from both online companies in addition to local insurance agencies, so you should compare both in order to have the best price selection to choose from. Some insurance companies may not have rate quotes online and many times these regional carriers only sell coverage through independent insurance agents.

For more information, link through to the articles below:

• Auto Insurance 101 (About.com)
• Insuring a Leased Car (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Information for Teen Drivers (Geico)
• Distracted Driving Statistics (Insurance Information Insitute)

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