Save on 2013 Chevrolet Cruze Car Insurance Rates

Searching for cheaper auto insurance rates for your Chevrolet Cruze? No normal person likes paying for auto insurance, particularly when they could find lower prices if they just compared rates.

You have multiple car insurance companies to pick from, and though it is a good thing to have a choice, it makes it harder to find the best rates for your vehicles.

Why informed drivers pay less for Chevy Cruze insurance

Many factors are used in the calculation when premium rates are determined. Some factors are common sense such as your driving history, but other factors are less obvious like your continuous coverage or your financial responsibility.One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that come into play when calculating your auto insurance rates. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that can help you get lower auto insurance prices.

The factors shown below are some of the major factors that factor into premiums.

• Liability protection claims can be big – Liability insurance will afford coverage in the event that you are determined to be liable for physical damage or personal injury to other. This coverage provides you with a defense in court to defend your case. Liability is cheap when compared with rates for comp and collision, so do not skimp.
• Premiums drop with age – More mature drivers are shown to be more cautious, cost insurance companies less in claims , and usually have better credit.Youthful drivers are known to be more careless behind the wheel so they pay higher auto insurance rates.
• Single drivers take more risk – Your spouse actually saves money compared to being single. It means you’re less irresponsible and it’s proven that being married results in fewer claims.
• Know your vehicle’s crash test rating – Vehicles with high crash test scores tend to have lower insurance rates. Vehicles built for safety reduce injuries and fewer injuries means lower claim amounts which can result in lower premiums.
• More traffic equals higher prices – Being located in a small town can be a good thing when buying auto insurance. Drivers who live in large cities regularly have more traffic problems and longer commute times. Fewer drivers and short commutes translates into fewer accident claims and also fewer theft and vandalism claims.

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How to buy auto insurance

To find the cheapest auto insurance quotes, there are several ways to compare rate quotes from local auto insurance companies. The recommended way to compare 2013 Chevy Cruze insurance prices is to jump online and get quotes. It is quite easy and can be accomplished by using one of the methods below.

• If you don’t have a lot of time, the easiest way to find low rates is to use a rate comparison form like this one (opens in new window). This style of form keeps you from doing repetitive form entry for each price estimate. Taking the time to complete one form will get you rate comparisons instantly.
• A different way to find better pricing is spending the time to visit each company website and fill out a new quote form. For instance, we’ll assume you need rates from State Farm, Esurance and Progressive. You would be required to navigate to each company’s site and enter your policy data, which can get old fast. For a list of links to insurance companies in your area, click here.
• The most time-consuming method of getting rate comparisons is to drive around to different agent offices. Buying insurance online reduces the need to sit down with an agent unless you prefer the personal advice of a licensed agent. If you prefer, some companies allow you to get the lowest quotes online and get advice from an agent in your area.

It’s up to you which method you use, but ensure you are comparing the same coverage limits and deductibles for each comparison quote. If you are comparing unequal deductibles or liability limits you will not be able to decipher which rate is best. Slightly different coverages could mean much higher rates. It’s important to know that comparing more rates from different companies helps improve the odds of finding more affordable rates. Some companies don’t provide online rate quotes, so you need to compare quotes from them as well.

Cheaper rates by getting discounts

Some providers don’t list all their discounts very clearly, so the list below details both well-publicized as well as the least known discounts that you may qualify for.

• Paperwork-free – A few larger online companies will provide an incentive for completing your application on the internet.
• Savings for New Vehicles – Buying a new car instead of a used car can save you some money since new model year vehicles are generally safer.
• Low Mileage Discounts – Driving less can qualify you for better premium rates on cars that stay parked.
• More Vehicles More Savings – Buying coverage for all your vehicles with the same company can reduce the rates for all insured vehicles.
• Anti-theft System – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and will qualify for a discount on a auto insurance quote.

Policy discounts save money, but most discount credits are not given to your bottom line cost. A few only apply to the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that you would end up receiving a 100% discount, companies don’t profit that way. But all discounts will definitely reduce your car insurance premiums.

A list of companies and a selection of discounts include:

• Mercury Insurance offers discounts including good driver, low natural disaster claims, type of vehicle, multi-policy, and anti-theft.
• Farmers Insurance includes discounts for multi-car, mature driver, switch companies, teen driver, homeowner, and youthful driver.
• Farm Bureau discounts include good student, renewal discount, multi-policy, safe driver, and youthful driver.
• State Farm may offer discounts for safe vehicle, Steer Clear safe driver discount, good driver, passive restraint, anti-theft, Drive Safe & Save, and multiple policy.
• Allstate offers discounts for utility vehicle, senior citizen, passive restraint, new car, FullPay discount, and resident student.
• Geico policyholders can earn discounts including five-year accident-free, daytime running lights, good student, multi-policy, and air bags.

If you need affordable auto insurance quotes, ask every company to apply every possible discount. Savings may not apply to policyholders in your area.

Your auto insurance coverage should be tailored to you

When choosing the best auto insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different so your insurance should reflect that Here are some questions about coverages that could help you determine whether or not you might need professional guidance.

• Does my personal policy cover me when driving out-of-state?
• Are rental cars covered under my policy?
• Why is insurance for a teen driver so high?
• When should I not file a claim?
• Where can I find DUI or SR-22 insurance?
• Am I covered by my spouse’s policy after a separation?
• Can I afford low physical damage deductibles?
• Will my insurance pay for OEM parts?
• Does my car insurance cover rental cars?
• Am I covered if I drive in a foreign country?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

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Specifics of your auto insurance policy

Learning about specific coverages of your auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. Auto insurance terms can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverages available from auto insurance companies.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as hitting a mailbox, colliding with another moving vehicle, rolling your car, crashing into a building and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for immediate expenses like X-ray expenses, surgery, chiropractic care and EMT expenses. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage – This provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Chevy Cruze.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are identical to your policy’s liability coverage.

Comprehensive coverages – This covers damage that is not covered by collision coverage. 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 hitting a deer, vandalism and fire damage. The maximum payout a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Liability – This provides protection from damage that occurs to a person or their property. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that means you have a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability insurance covers claims like funeral expenses, emergency aid, bail bonds and court costs. The amount of liability coverage you purchase is your choice, but buy as much as you can afford.

Save for a rainy day

As you prepare to switch companies, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where consumers will sacrifice full coverage and learned later they didn’t have enough coverage. Your goal should be to buy enough coverage at the best cost and still be able to protect your assets.

Some insurance coverage companies may not offer the ability to get a quote online and many times these small, regional companies sell through independent agents. Low-cost 2013 Chevy Cruze insurance can be sourced on the web as well as from insurance agents, and you should compare price quotes from both in order to have the best chance of saving money.

We covered many ways to compare 2013 Chevy Cruze insurance prices online. The most important thing to understand is the more providers you compare, the better likelihood of getting low cost auto insurance. You may even find the lowest prices come from a company that doesn’t do a lot of advertising. Regional companies may only write in your state and offer lower rates compared to the large companies like Allstate or State Farm.

Much more information about insurance coverage can be read at these links:

• Credit and Insurance Scores (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Driving in Bad Weather (Insurance Information Insitute)
• Comprehensive Coverage (Liberty Mutual)
• Information for Teen Drivers (Geico)

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