2012 Chevrolet Cruze Insurance Quotes

Want lower auto insurance rates for your Chevrolet Cruze? Wish you could get out of an expensive auto insurance policy? Believe me, you’re not alone.

Insurance companies such as Geico and Progressive persitently shower you with ad campaigns and consumers find it hard to see through the cute green geckos and mayhem and find the best price available.

Six things that affect your insurance rates

A large part of saving on insurance is knowing some of the elements that go into determining your insurance rates. If you have some idea of what impacts premium levels, this enables informed choices that can help you get lower rates.

Listed below are some of the most common factors utilized by car insurance companies to help set your premiums.

• Younger driver insurance costs – Teenage drivers are statistically shown to be careless and easily distracted behind the wheel therefore insurance rates are much higher. Older insureds are viewed as being more responsible, statistically cause fewer accidents and are safer drivers.
• Which gender costs less? – Statistics demonstrate that females take fewer risks when driving. However, don’t assume that women are BETTER drivers than men. Females and males cause accidents in similar percentages, but the males cause more damage and cost insurance companies more money. Men also get higher numbers of serious violations like reckless driving and DUI. Male drivers age 16 to 19 are several times more likely to be in an accident and therefore have the most expensive insurance rates.
• Pleasure use or commuting – Driving a lot of miles in a year the more it will cost to insure it. Many insurance companies price each vehicle’s coverage determined by how the vehicle is used. Autos that do not get driven very much receive lower rates than vehicles that have high annual mileage. Having an incorrect usage rating on your Cruze may be costing you. It’s a smart idea to ensure your insurance policy shows the correct usage, because it can save money.
• Never have coverage lapses – Going without insurance is a sure-fire way to drive up your policy premiums. And not only will your rates increase, being ticketed for driving with no insurance could result in a license revocation or jail time. Then you may be required to file a SR-22 with your state department of motor vehicles.
• Don’t cut corners with liability insurance – A critical coverage on your policy, liability insurance provides coverage when a court rules you are at fault for damages caused by your negligence. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability is cheap compared to comp and collision, so insureds should have plenty of protection for their assets.
• Credit rating impact insurance costs – Having a bad credit score factor in calculating your premium rate. If your credit history is lower than you’d like, you could save money insuring your 2012 Chevrolet Cruze by improving your rating. Insureds that have high credit ratings tend to be more responsible than those with bad credit.

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Compare quotes for car insurance

To find the best car insurance prices, there are several ways to obtain and compare prices from different insurance companies. The best way to comparison shop consists of shopping online. This can be done by using one of the methods below.

• The most efficient method to get quotes is an all-inclusive rate comparison (click to open form in new window). This method eliminates the need for separate quotation requests for each company. A single, simple form gets you coverage quotes direct from many companies.
• A slightly less efficient method to analyze rates is spending the time to visit each company website to complete their respective quote request forms. For example, let’s assume you want to view quotes from Farmers, Geico and American Family. To get each rate you have to spend time going to each site individually to enter the same coverage data repeatedly, which is why most consumers use the first method.

  To view a list of companies in your area, click here.

• The last method to comparison shop is to spend time driving to local insurance agencies. Comparing online rate quotes has made agencies unnecessary unless you’re the type of person who wants the trained advice of an agent trained in personal lines coverage. Some companies do allow you to price shop your coverage online and get advice from an agent in your area.

You can choose any of those ways to find more affodable coverage, but be certain you are entering equivalent coverage data for each quote you get. If you compare different data then you won’t be able to determine which company has the best rates. Slightly different coverages could skew the results. It’s important to know that more quotes increases the change that you will find more affordable insurance. Some regional insurers cannot provide online rate quotes, so you need to compare rates from the smaller companies as well.

Don’t overlook these insurance coverage discounts

Some insurance providers don’t always advertise the entire discount list in an easy-to-find place, so the following is a list of a few of the more common and also the lesser-known discounts that you may qualify for. If they aren’t giving you every credit possible, you are paying more than you should be.

• Own a Home – Being a homeowner can help you save on insurance coverage due to the fact that maintaining a home requires personal responsibility.
• Multi-policy Discount – When you have multiple policies with one company you could save nearly 15% which can help you find affordable auto insurance.
• Discounts for Safe Drivers – Insureds who avoid accidents could pay up to 40% less on Cruze insurance than less cautious drivers.
• New Vehicle Savings – Insuring a new car can save you some money because newer models are generally safer.
• Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions and therefore earn up to a 10% discount.
• Seat Belt Usage – Buckling up and requiring all passengers to fasten their seat belts can save 10% or more on the medical payments or PIP coverage costs.
• Driving Data Discount – Insureds that choose to allow driving data collection to study their driving habits by using a telematic data system such as State Farm’s In-Drive could see a rate decrease if they show good driving skills.

One last thing about discounts, some of the credits will not apply the the whole policy. Some only apply to the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

If you would like to view providers offering insurance coverage discounts, click here.

When to get professional advice

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique so this has to be addressed. For example, these questions might help in determining if your insurance needs will benefit from professional help.

• Does car insurance cover theft of personal property?
• Do I need motorclub coverage?
• Do I need rental car coverage?
• Does liability extend to a camper or trailer?
• Do I need an umbrella policy?
• What is the minimum liability in my state?
• Does my policy cover me when driving someone else’s vehicle?
• Is rental equipment covered for theft or damage?
• Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions then you might want to talk to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier

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Car insurance coverages for a 2012 Chevy Cruze

Knowing the specifics of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages found on the average insurance policy.

Collision – This will pay to fix damage to your Cruze from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a mailbox, sustaining damage from a pot hole, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Coverage for liability – Liability insurance protects you from injuries or damage you cause to people or other property that is your fault. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that translate to 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.

Liability coverage protects against things such as legal defense fees, repair costs for stationary objects, pain and suffering and funeral expenses. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance – Medical payments and Personal Injury Protection insurance kick in for expenses like surgery, nursing services and funeral costs. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like hail damage, damage from getting keyed, damage from flooding and falling objects. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants as well as damage to your Chevy Cruze.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked.

Get your money’s worth

In this article, we presented a lot of information how to lower your 2012 Chevy Cruze insurance premium rates. The key concept to understand is the more companies you get prices for, the higher your chance of finding affordable auto insurance. Consumers may even find the lowest premium rates are with a small mutual company. Some small companies can often provide lower prices in certain areas than the large multi-state companies such as State Farm or Progressive.

Cost effective 2012 Chevy Cruze insurance is available online as well as from insurance agents, so you need to quote auto insurance with both to have the best selection. Some insurance providers may not have the ability to get a quote online and most of the time these regional insurance providers only sell coverage through independent agents.

More tips and info about insurance coverage can be found in these articles:

• Information for Teen Drivers (Geico)
• Senior Drivers (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Credit Impacts Car Insurance Rates (State Farm)
• Auto Insurance 101 (About.com)

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