Save on 2017 Chevrolet Bolt EV Car Insurance Quotes

Looking for cheaper insurance rates for your Chevrolet Bolt EV? Finding cheaper insurance for a new or used Chevy Bolt EV can turn out to be an all-consuming task, but you can use our insurance buying tips to find lower rates.

There is a better way to buy insurance and we’ll show you the proper way to quote coverages for your Chevy and locate the best price possible from local insurance agents and online providers.

It’s a good habit to compare rates on a regular basis due to the fact that insurance rates tend to go up over time. Just because you had the lowest rate for Bolt EV insurance a year ago you may be paying too much now. Ignore everything you know about insurance because I’m going to teach you the easiest way to reduce your cost while increasing coverage.

Compare auto insurance rates

Getting more affordable 2017 Chevy Bolt EV auto insurance pricing is an easy way to save money. You just need to invest a few minutes comparing price quotes to find. Price comparisons can be done by following the guidelines below.

• The best way to find low rates is a comparison rater form click here to open form in new window. This method prevents you from having to do repetitive form entry for each company you want a rate for. One quote request gets you price quotes from many national carriers. It’s definitely the quickest method.
• Another way to get comparison quotes is to manually visit each company website to request a price quote. For examples sake, let’s say you want to compare State Farm, Progressive and Liberty Mutual. To find out each rate you need to take the time to go to each site and enter your policy data, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

Whichever way you use, make sure you compare exactly the same quote data on every quote you get. If you compare different limits and deductibles on each one it’s impossible to find the best deal for your Chevy Bolt EV.

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Truth in car insurance advertising

Consumers can’t escape the ads for the lowest price car insurance from the likes of Geico, State Farm and Progressive. They all make an identical promise that drivers will save a bundle if you move your policy.

How do they all say the same thing? It’s all in the words they use.

Companies look for specific characteristics for the type of customer that will generate a profit. An example of this type of risk profile could possibly be between the ages of 30 and 50, carries full coverage, and drives a vehicle with a low ISO rating. Any person that matches those criteria receives the best prices and is almost guaranteed to save when switching.

Drivers who fall outside these criteria will see a higher rate which leads to the prospect going elsewhere. The ad wording is “people who switch” not “everybody who quotes” save that much money. That’s the way companies can advertise the savings.

Because each company has a different risk profile, you need to get auto insurance quotes as often as possible. It’s just not possible to know the company that will have the lowest rates.

Why smart consumers pay less for Chevy Bolt EV insurance

Many things are considered when pricing auto insurance. Some of the criteria are obvious such as traffic violations, although others are more obscure like where you live or your vehicle rating.

• Avoid insurance coverage lapses – Having a lapse in insurance coverage is a fast way to trigger a rate increase. In addition to paying higher rates, getting caught without coverage could result in a license revocation or jail time.
• Men pay higher prices – Over the last 30 years, statistics show that women are safer drivers than men. The data does not necessarily mean that men are WORSE drivers than women. Women and men cause at-fault accidents at a similar rate, but men have accidents that have higher claims. Men also statistically get higher numbers of serious violations such as DWI and reckless driving.
• Certain vocations pay higher prices – Did you know that where you work can have an impact on rates? Jobs such as judges, executives and emergency personnel tend to have the highest rates in part from high stress levels and long work days. Other careers like actors, students and performers pay lower than average rates for Bolt EV insurance.
• Driving citations inflate costs – Careful drivers get better prices than bad drivers. Even one driving citation can increase rates substantially. Drivers unfortunate enough to have flagrant tickets such as DUI, reckless driving or excessive speeding might be required by their state to complete a SR-22 with their state’s licensing department in order to legally drive.
• Small coverages can add up – Insurance companies have many extra bells and whistles that may not really be needed on your insurance coverage policy. Coverages for personal injury protection, accidental death, and extra life insurance coverage may be wasting your money. They may sound like good ideas initially, but if you don’t need them get rid of them and save.
• Marriage is a good thing – Having a spouse may earn you lower rates on insurance coverage. Having a spouse means you’re more responsible and it’s statistically proven that drivers who are married file infrequent claims.
• Vehicles with better crash test results cost less to insure – Vehicles with high crash test scores get lower rates. Safe vehicles result in less severe injuries and fewer injuries means less money paid by your insurance company which can result in lower premiums.

Lower your insurance rates with discounts

Not many people think insurance is cheap, but you may find discounts that could drop your premiums quite a bit. Some trigger automatically at the time of quoting, but lesser-known reductions have to be asked for before being credited.

• Drivers Education – Teen drivers should participate in a local driver’s education class as it can save substantially.
• One Accident Forgiven – Not necessarily a discount, but companies like Geico and Allstate may permit one accident without the usual rate increase if you are claim-free for a specific time period.
• Discounts for Safe Drivers – Insureds who avoid accidents can pay as much as 50% less for Bolt EV insurance as compared to drivers with claims.
• No Accidents – Insureds with no claims or accidents get the best insurance rates as compared to frequent claim filers.
• E-sign Discounts – A few larger online companies provide a small discount for completing your application digitally online.

A little disclaimer on discounts, most of the big mark downs will not be given the the whole policy. Most only cut the cost of specific coverages such as medical payments or collision. Just because you may think you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will lower the amount you pay for coverage.

A few of the larger companies and a partial list of their discounts are detailed below.

• American Family offers discounts for defensive driver, mySafetyValet, bundled insurance, good driver, air bags, accident-free, and Steer into Savings.
• State Farm offers premium reductions for good student, multiple policy, driver’s education, safe vehicle, defensive driving training, Steer Clear safe driver discount, and multiple autos.
• 21st Century discounts include defensive driver, teen driver, good student, automatic seat belts, and homeowners.
• Travelers includes discounts for multi-car, early quote, hybrid/electric vehicle, multi-policy, and home ownership.
• Geico may offer discounts for defensive driver, federal employee, multi-vehicle, membership and employees, good student, daytime running lights, and anti-theft.

Before purchasing a policy, check with every prospective company which credits you are entitled to. Some discounts may not apply everywhere. To locate insurance companies who offer online insurance quotes, follow this link.

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You are unique and your car insurance should be too

When choosing the best car insurance coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique.

For example, these questions can help discover whether you might need professional guidance.

• Is a new car covered when I drive it off the dealer lot?
• Am I covered if I drive in a foreign country?
• What is the ISO rating for a 2017 Chevy Bolt EV?
• Is my teen driver covered when they drive my company car?
• Do I need replacement cost coverage on my 2017 Chevy Bolt EV?
• Am I covered if I crash into my own garage door?
• When can my company non-renew my policy?
• Which companies will insure high-risk drivers?
• What is PIP insurance?

If you can’t answer these questions but you know they apply to you then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Educate yourself about car insurance coverages

Learning about specific coverages of your car insurance policy can be of help when determining the best coverages and proper limits and deductibles. Car insurance terms can be confusing and coverage can change by endorsement.

Liability coverage

Liability insurance can cover damage that occurs to other people or property. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims such as bail bonds, legal defense fees and pain and suffering. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for things like chiropractic care, EMT expenses and hospital visits. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

Collision coverage will pay to fix damage to your Bolt EV resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sideswiping another vehicle, hitting a parking meter, driving through your garage door and backing into a parked car. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also raise the deductible to bring the cost down.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your 2017 Chevy Bolt EV.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive coverage (or Other than Collision)

This coverage 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 coverage pays for claims like hitting a deer, damage from flooding, theft, vandalism and a tree branch falling on your vehicle. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Quote more. Save more.

Consumers switch companies for any number of reasons including delays in paying claims, delays in responding to claim requests, high rates after DUI convictions or even questionable increases in premium. Regardless of your reason for switching companies, switching companies is not as hard as you think.

You just learned a lot of information how to shop for 2017 Chevy Bolt EV insurance online. The key thing to remember is the more companies you get premium rates for, the higher the chance of saving money. Consumers may even find the best car insurance rates are with some of the smallest insurance companies.

While you’re price shopping online, don’t be tempted to buy poor coverage just to save money. In many cases, an insured cut collision coverage only to regret at claim time they didn’t have enough coverage. Your objective should be to find the BEST coverage at an affordable rate and still be able to protect your assets.

Additional detailed information is available by following these links:

• What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
• Should I Buy a New or Used Car? (Allstate)
• Rental Reimbursement Coverage (Allstate)
• Prom Night Tips for Teen Drivers (State Farm)
• Older Drivers FAQ (iihs.org)

Enter your zip code below to view companies that have cheap auto insurance rates.

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