2016 Chevrolet Cruze Limited Insurance Rates – 9 Tips for Cheapest Quotes

Feel like you have an expensive insurance coverage policy? It’s a common feeling and you are not the only one feeling buyer’s remorse.

Big-name insurance companies like Allstate and Progressive increase brand awareness with ads and consumers find it hard to see past the geckos and flying pigs and find the best price available.

How much does auto insurance cost?

All the larger auto insurance companies like Progressive, Allstate and Geico provide price estimates on their websites. The process doesn’t take a lot of time because it’s just a matter of typing in as requested by the quote form. When the form is submitted, their system requests your driving and credit reports and returns a price based on the information you submitted. Online price quotes streamlines rate comparisons, but the time it takes to visit many different websites and enter the same data into a form is a big time waster. But it is imperative to perform this step if you want to find the lowest price.

A less time-consuming method to get multiple rate quotes uses one form that gets prices from a bunch of companies at once. The form is fast, eliminates form submissions, and makes quoting online a lot less work. After sending your information, it is quoted and you can choose your choice of the quotes that you receive. If the quotes result in lower rates, you can simply submit the application and purchase coverage. This process takes 15 minutes at the most and may result in a nice savings.

To quickly use this form to compare rates, click here to open in new window and submit the form. If you currently have coverage, we recommend you copy the coverages exactly as shown on your declarations page. Doing this assures you’re receiving rate quotes for exact coverage.

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Auto insurance discounts help slash rates

Some companies don’t always advertise every discount very clearly, so we researched both well-publicized as well as the least known discounts that may be available. If you do not double check each discount you qualify for, you are throwing money away.

• Professional Memberships – Being in a professional or civic organization may earn a discount on your next auto insurance statement.
• First Accident Forgiveness – Not really a discount, but certain companies will turn a blind eye to one accident before your rates go up with the catch being you have to be claim-free before the accident.
• Service Members Pay Less – Being on active deployment in the military may qualify for rate reductions.
• Policy Bundle Discount – If you can bundle your homeowners and auto insurance with the same insurance company you could save approximately 10% to 15%.
• Discounts for Government Workers – Active or former government employment can earn a discount up to 10% on Cruze Limited coverage depending on your company.
• Driver Training Discounts – Taking time to complete a safe driver course is a good idea and can lower rates if your company offers it.
• Low Mileage Discounts – Fewer annual miles on your Chevy may allow you to get cheaper rates.
• Safe Driver Discount – Drivers who avoid accidents may save up to 50% more on Cruze Limited coverage than drivers with accidents.
• Distant Student Discount – Any of your kids who live away from home at college and won’t have access to an insured vehicle may qualify for this discount.

A quick disclaimer, most discounts do not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like medical payments or collision. So when the math indicates all those discounts means the company will pay you, you aren’t that lucky.

Companies and a summarized list of policyholder discounts can be read below.

• Progressive discounts include online quote discount, multi-policy, homeowner, continuous coverage, good student, and online signing.
• The Hartford offers premium reductions for good student, defensive driver, air bag, anti-theft, and driver training.
• Mercury Insurance may have discounts that include multi-policy, good driver, good student, low natural disaster claims, and type of vehicle.
• Geico includes discounts for emergency military deployment, five-year accident-free, good student, military active duty, seat belt use, and driver training.
• AAA has discounts for multi-car, AAA membership discount, pay-in-full, anti-theft, good student, and good driver.
• State Farm offers discounts including anti-theft, good driver, good student, Drive Safe & Save, accident-free, and multiple autos.

Double check with every prospective company the best way to save money. Some credits may not apply to policyholders in your state. To locate insurance companies that offer multiple discounts, follow this link.

Which is the best car insurance?

When buying the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. For example, these questions might point out whether or not you might need professional guidance.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Does coverage extend to a rental car in a foreign country?
• Can my babysitter drive my car?
• Am I better off with higher deductibles on my 2016 Chevy Cruze Limited?
• Is upholstery damage covered by car insurance?
• Do all my vehicles need collision coverage?
• Does my personal policy cover me when driving out-of-state?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Do I need to file an SR-22 for a DUI in my state?
• Is business property covered if stolen from my car?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form or you can also visit this page to select a carrier

Coverages available on your auto insurance policy

Understanding the coverages of your auto insurance policy aids in choosing the best coverages for your vehicles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring. Shown next are typical coverages offered by auto insurance companies.

Collision coverage

Collision coverage will pay to fix damage to your Cruze Limited resulting from a collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like rolling your car, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include medical payments for you and your occupants as well as damage to your Chevy Cruze Limited.

Due to the fact that many drivers 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 a good idea.

Liability auto insurance

Liability coverage provides protection from damage or injury you incur to other people or property in an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability can pay for claims like pain and suffering, court costs, legal defense fees, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like EMT expenses, prosthetic devices and chiropractic care. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hail damage, a broken windshield, hitting a deer and vandalism. The highest amount a auto insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

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A little work can save a LOT of money

Affordable 2016 Chevy Cruze Limited insurance is available both online in addition to many insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers don’t offer the ability to get quotes online and these regional carriers sell through independent insurance agencies.

While you’re price shopping online, don’t be tempted to skimp on critical coverages to save a buck or two. There have been many situations where someone sacrificed liability coverage limits to discover at claim time that the small savings ended up costing them much more. The aim is to get the best coverage possible for the lowest cost.

Much more information about insurance is located at these links:

• Reducing Your Risks in a Car Crash Video (iihs.org)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• State Laws for Cellphones and Texting (iihs.org)
• Should I Purchase an Umbrella Liability Policy? (Insurance Information Insitute)

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