2017 Chevrolet Cruze Car Insurance Rates – 7 Discounts for Cheapest Quotes

Want better auto insurance rates for your Chevrolet Cruze? Trying to find better insurance prices for a Chevy Cruze can turn out to be an all-consuming task, but you can learn our auto insurance buying tips to find lower rates. There are both good and bad ways to buy auto insurance and you need to know the proper way to get price quotes for your Chevy and obtain the lowest price either online or from local insurance agents.

Smart consumers take time to take a look at other company’s rates before your policy renews since insurance prices are constantly changing. Just because you had the best rates on Cruze coverage six months ago other companies may now be cheaper. There is a lot of bad advice regarding auto insurance on the web, but in a few minutes you can learn some proven techniques to stop overpaying for insurance.

Do you qualify for discount insurance coverage?

Some insurance providers do not advertise their entire list of discounts very clearly, so the list below gives a summary of both well-publicized and also the more inconspicuous credits available to you.

• Good Students Pay Less – Excelling in school may save as much as 25% on a insurance coverage quote. This discount can apply up until you turn 25.
• Theft Deterent System – Vehicles equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and that can save you a little bit as well.
• Low Miles Discount – Keeping the miles down on your Chevy can earn lower rates on the low mileage vehicles.
• Multiple Policy Discount – When you have multiple policies and insure them with the same company you will save at least 10 to 15 percent or more.
• Pay Early and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
• Seat Belt Usage – Drivers who require all occupants to use their safety belts can save up to 10 percent (depending on the company) off the medical payments premium.
• Discounts for Responsible Drivers – Insureds without accidents can get discounts for up to 45% lower rates on Cruze coverage than drivers with accident claims.

Drivers should understand that most of the big mark downs will not be given the the whole policy. Most only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, insurance companies wouldn’t stay in business. Any amount of discount will positively reduce your policy premium.

Large insurance coverage companies and some of the discounts can be read below.

• Mercury Insurance offers discounts including professional/association, accident-free, multi-car, good driver, and annual mileage.
• Farmers Insurance includes discounts for mature driver, electronic funds transfer, pay in full, business and professional, youthful driver, and switch companies.
• Farm Bureau offers premium reductions for multi-vehicle, youthful driver, 55 and retired, good student, renewal discount, and multi-policy.
• State Farm offers discounts for anti-theft, good driver, defensive driving training, multiple autos, and multiple policy.
• Allstate has discounts for farm vehicle, senior citizen, resident student, anti-lock brakes, and auto/life discount.
• Geico discounts include air bags, driver training, anti-theft, good student, seat belt use, and defensive driver.

Double check with each company or agent how you can save money. Some discounts might not be offered in your area. To locate companies with the best discounts, click this link.

What insurance coverages do I need?

When it comes to choosing coverage for your vehicles, there is no cookie cutter policy. Each situation is unique.

These are some specific questions may help you determine whether or not you might need an agent’s assistance.

• Can my teen drive my company car?
• Will my rates increase for filing one claim?
• Am I covered if I break a side mirror?
• Can I drive in Mexico and have coverage?
• Do I have coverage when making deliveries for my home business?
• How much liability do I need to cover my assets?
• Can I afford to pay high deductible claims out of pocket?
• What discounts do I qualify for?
• Is a new car covered when I drive it off the dealer lot?

If it’s difficult to answer those questions, you might consider talking to an agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can help protect your family.

The coverage is in the details

Understanding the coverages of a insurance policy can be of help when determining the best coverages for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement.

Collision coverages – Collision insurance will pay to fix damage to your Cruze resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as rolling your car, colliding with another moving vehicle and colliding with a tree. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP provide coverage for short-term medical expenses like dental work, doctor visits, X-ray expenses, pain medications and funeral costs. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverage – This coverage provides protection from damage that occurs to other people or property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability can pay for things such as structural damage, bail bonds, court costs, pain and suffering and repair costs for stationary objects. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Comprehensive coverage – This coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a bird, damage from getting keyed, hail damage and theft. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage – This protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy Cruze.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

Smart consumers save more

Drivers leave their current company for any number of reasons including policy cancellation, an unsatisfactory settlement offer, delays in responding to claim requests or even lack of trust in their agent. No matter why you want to switch, finding a great new company is easier than you think.

Low-cost 2017 Chevy Cruze insurance is attainable both online and from local insurance agents, and you should compare rates from both in order to have the best price selection to choose from. There are still a few companies who don’t offer online quoting and many times these regional insurance providers only sell through independent agencies.

We covered some good ideas how you can reduce 2017 Chevy Cruze insurance rates online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. You may even discover the best price on car insurance is with some of the smallest insurance companies.

Much more information about car insurance can be read below:

• Reducing Your Risks in a Car Crash Video (iihs.org)
• Learn About Car Insurance (Geico)
• Shopping for a Safe Car (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)