How Much Does 2014 Chevrolet Volt Insurance Cost?

Searching for cheaper insurance rates for your Chevrolet Volt? If price shopping insurance quotes online is new to you, chances are good that you are baffled thanks to all the different types of local and online companies that all promise the best rates.

Choosing the best insurance company for you is not rocket science. Just about everyone who is required by state law to have insurance coverage most likely will be able to lower their premiums. Although consumers benefit from understanding the way insurance companies market insurance on the web.

Cheap insurance rates with discounts

Some companies do not advertise their entire list of discounts very well, so the list below details both the well known and the harder-to-find discounts that you can inquire about if you buy insurance online.

• Paperless Signup – A few larger online companies give back up to $50 for buying a policy and signing up on the internet.
• Military Rewards – Being on active deployment in the military may qualify for rate reductions.
• Membership in Organizations – Being in qualifying employment or professional organizations could qualify you for a break on your next renewal.
• Buy New and Save – Buying insurance on a new vehicle is cheaper due to better safety requirements for new vehicles.
• Include Life Insurance and Save – Not all insurance companies offer life insurance, but some may give you a break if you buy life insurance.
• Discount for Multiple Policies – When you have multiple policies and insure them both with the same insurance company you may save at least 10 to 15 percent or more.

It’s important to understand that most credits do not apply to the overall cost of the policy. Most only apply to individual premiums such as liability and collision coverage. So even though you would think all the discounts add up to a free policy, it just doesn’t work that way. Any amount of discount will help lower your policy premium.

Large insurance companies and a partial list of their discounts are:

• Farm Bureau discounts include good student, multi-vehicle, driver training, renewal discount, multi-policy, youthful driver, and 55 and retired.
• MetLife has discounts for accident-free, good driver, claim-free, defensive driver, and multi-policy.
• Progressive may include discounts for multi-vehicle, good student, homeowner, online quote discount, continuous coverage, online signing, and multi-policy.
• AAA policyholders can earn discounts including good student, anti-theft, good driver, multi-car, and AAA membership discount.
• American Family offers premium reductions for good student, defensive driver, good driver, mySafetyValet, accident-free, multi-vehicle, and air bags.
• Geico may offer discounts for seat belt use, defensive driver, anti-theft, federal employee, anti-lock brakes, daytime running lights, and five-year accident-free.
• State Farm offers discounts for Drive Safe & Save, good student, anti-theft, safe vehicle, multiple autos, and defensive driving training.

When getting free insurance quotes, it’s a good idea to every insurance company which credits you are entitled to. A few discounts might not apply everywhere. To locate insurers with significant discounts, click here to view.

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How much is insurance?

Comparing insurance rates can be exhausting if you don’t utilize the fastest way to get free quotes. You can spend countless hours talking about coverages with local insurance agents in your area, or you could save time and use online quotes to achieve your goal.

All the larger companies belong to an insurance system where prospective buyers enter their coverage request one time, and each company returns a competitive quote. This eliminates the need for quote requests for every insurance company.

To find out how much you’re overpaying now click here (opens in new window).

The only downside to pricing coverage this way is you are unable to specify which providers to get quotes from. If you wish to select from a list of companies to compare, we have assembled a list of low cost insurance companies in your area. Click to view list.

Whichever way you use, be certain you are entering the exact same deductibles and coverage limits for each comparison quote. If you compare higher or lower deductibles you can’t possibly determine the lowest rate for your Chevy Volt. Having just a slight variation in coverage limits can mean a large discrepancy in price. And when comparison shopping, comparing more quotes will improve the odds of getting lower pricing. Not every company allows you to get price estimates online, so it’s important to also get rates on coverage from those companies, too.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

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

• Is my cargo covered for damage or theft?
• What is high-risk coverage and where do I buy it?
• Does my insurance cover a custom paint job?
• I have health insurance so do I need medical payments coverage?
• Am I getting all the discounts available?
• Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, complete this form.

Specifics of your auto insurance policy

Knowing the specifics of a auto insurance policy aids in choosing appropriate coverage for your vehicles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy.

Coverage for uninsured or underinsured drivers

This gives you protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and damage to your 2014 Chevy Volt.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like theft, hitting a deer, a tree branch falling on your vehicle, falling objects and a broken windshield. The most you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision insurance

This pays to fix your vehicle from damage resulting from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like rolling your car, crashing into a ditch and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Coverage for liability

This protects you from damage or injury you incur to other’s property or people. This insurance protects YOU against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for things such as emergency aid, structural damage and legal defense fees. How much liability coverage do you need? That is up to you, but buy as large an amount as possible.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for bills for things like chiropractic care, rehabilitation expenses, surgery, dental work and funeral costs. They are often utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

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Cheaper insurance is a realistic goal

We’ve covered quite a bit of information on how to compare 2014 Chevy Volt insurance auto insurance rates online. It’s most important to understand that the more you quote insurance, the better chance you’ll have of finding inexpensive insurance. You may be surprised to find that the lowest priced car insurance comes from a small local company.

When you buy insurance online, do not sacrifice coverage to reduce premiums. There are many occasions where drivers have reduced full coverage to discover at claim time they didn’t purchase enough coverage. Your focus should be to buy the best coverage you can find for the lowest cost.

Drivers leave their current company for a variety of reasons including not issuing a premium refund, high prices, policy non-renewal or high rates after DUI convictions. Whatever your reason, finding a great new company can be easy and end up saving you some money.

For more information, feel free to browse the resources below:

• Winter Driving (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Safety Features for Your New Car (State Farm)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)

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