2016 Chevrolet SS Insurance Quotes

Shoppers have many options when shopping for low-cost Chevy SS insurance. You can either waste hours contacting agents to get rate comparisons or utilize the internet to make rate comparisons.

There are more efficient ways to find insurance online and we’ll show you the quickest way to get price quotes for a new or used Chevy and obtain the cheapest rates from both online companies and local agents.

It’s important to compare prices at least once a year because prices trend upward over time. If you had the lowest rate for SS insurance at your last renewal you may be paying too much now. Ignore everything you know about insurance because we’re going to show you how to use online quotes to remove unneeded coverages and save money.

The quickest method to get rate comparisons is to take advantage of the fact most of the bigger providers will pay a fee to give you rate quotes. The one thing you need to do is give them some information such as driver ages, if you have a valid license, whether or not you need a SR-22, and an estimate of your credit level. The data is submitted instantly to multiple auto insurance providers and they return quotes immediately.

Insurance coverage companies offer money-saving discounts

Companies offering auto insurance don’t necessarily list all their discounts in a way that’s easy to find, so the below list has a few of the more common and also the lesser-known ways to save on insurance coverage.

• Passenger Safety Discount – Factory options such as air bags or automatic seat belts can receive discounts of 20 to 30 percent.
• Student Discounts – Excelling in school can save 20 to 25%. Earning this discount can benefit you until age 25.
• New Vehicle Savings – Buying a new car instead of a used car may earn a small discount because new model year vehicles are generally safer.
• Senior Citizen Rates – Mature drivers can get a slight reduction on a insurance quote for SS insurance.
• Government Employees – Being employed by or retired from a federal job can earn a discount up to 10% for SS insurance with select insurance companies.
• Homeowners Pay Less – Owning a home can save a few bucks because owning a home means you have a higher level of financial diligence.
• Military Discounts – Having an actively deployed family member could qualify you for better rates.
• Early Signing – Select insurance companies give a discount for switching to them early. It could save around 10% when you buy insurance online.

As a disclaimer on discounts, most discounts do not apply to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. Even though it appears you could get a free insurance coverage policy, you’re out of luck.

Large insurance coverage companies and some of their more popular discounts can be found below.

• Geico policyholders can earn discounts including membership and employees, five-year accident-free, seat belt use, multi-vehicle, and anti-theft.
• Travelers may include discounts for student away at school, save driver, early quote, payment discounts, home ownership, good student, and new car.
• Farm Bureau discounts include good student, multi-policy, multi-vehicle, driver training, 55 and retired, youthful driver, and renewal discount.
• Liberty Mutual may offer discounts for multi-policy, multi-car, newly married, new graduate, and preferred payment discount.
• American Family has savings for mySafetyValet, air bags, bundled insurance, multi-vehicle, and good driver.
• Progressive includes discounts for online signing, homeowner, multi-vehicle, multi-policy, good student, online quote discount, and continuous coverage.

When getting free insurance quotes, it’s a good idea to every prospective company to give you their best rates. Depending on the company, some discounts may not be offered everywhere. To view insurance coverage companies with the best insurance coverage discounts, click here.

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Do I just need basic coverages?

When it comes to buying adequate coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is a little different.

These are some specific questions can aid in determining whether your personal situation might need an agent’s assistance.

• Is rental equipment covered for theft or damage?
• Do I have coverage when pulling a U-Haul trailer?
• What if I total my 2016 Chevy SS and owe more than it’s worth?
• Does my 2016 Chevy SS need full coverage?
• Is my state a no-fault state?
• Does car insurance cover theft of personal property?
• Why am I required to get a high-risk car insurance policy?
• Do I need medical payments coverage since I have good health insurance?
• Am I covered if my car is in a flood?
• When would I need additional glass coverage?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and you can get the answers you need.

Components of your Chevy SS insurance rates

Lots of things are considered when you get a price on insurance. Some of the criteria are obvious such as traffic violations, but other criteria are not as apparent like your continuous coverage or how financially stable you are.

• Insure car and home with the same company – Lots of insurance companies allow better rates for people that buy multiple policies. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. Even with this discount, consumers should still compare other insurance prices to make sure you are getting the best deal.There is a chance you can save even more than the discount by insuring with multiple companies.
• Be proud to be claim-free – If you are the type of insured that files lots of claims don’t be surprised to see higher premiums or even policy non-renewal. Car insurance companies generally give the best rates to people who only file infrequent claims. Your insurance policy is intended for the large, substantial claims.
• Urban residents pay more – Choosing to live in less populated areas has definite advantages if you are looking for the lowest rates. People who live in big cities have congested traffic and a longer drive to work. Fewer people means a lower chance of having an accident and lower theft and vandalism rates.
• Decrease premiums by maintaining coverage – Having a lapse in insurance coverage is a quick way to increase your insurance rates. And not only will your rates increase, failure to provide proof of insurance may result in a license revocation or jail time.
• Gender and car insurance – The statistics show that females tend to be a little less risky than males. However, don’t assume that women are BETTER drivers than men. Both genders cause fender benders in similar percentages, but guys have accidents that have higher claims. Men also get more serious tickets such as DWI and reckless driving.
• Age of drivers – Youthful drivers have been known to be inattentive in a vehicle therefore insurance rates are much higher. Mature drivers are viewed as being more responsible, tend to cause fewer accidents and receive fewer citations.

Information about specific coverages

Learning about specific coverages of auto insurance can be of help when determining the right coverages for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy SS.

Because many people 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 very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive auto coverage

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, rock chips in glass, hitting a deer, falling objects and hail damage. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things like sideswiping another vehicle, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as surgery, doctor visits and nursing services. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Auto liability

Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like emergency aid, pain and suffering, bail bonds, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

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What is YOUR best insurance company?

While you’re price shopping online, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice comprehensive coverage or liability limits only to regret that the savings was not a smart move. The aim is to purchase plenty of coverage at a price you can afford while still protecting your assets.

We covered many tips how you can shop for 2016 Chevy SS insurance online. The most important thing to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the best prices are with some of the smallest insurance companies.

People change insurance companies for many reasons like an unsatisfactory settlement offer, high prices, denial of a claim and policy non-renewal. No matter why you want to switch, choosing a new insurance company is pretty easy and you might even save some money in the process.

Even more information can be found at these sites:

• Insuring a Leased Car (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)

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