2018 Chevrolet Cruze Insurance Rates

Looking for better auto insurance rates for your Chevrolet Cruze? Scraping up a payment for high-priced Chevrolet Cruze insurance can bottom out your accounts and require stricter spending habits. Doing a price comparison can save money and help to slash your bill and have more diposable income.

Numerous insurers battle to insure your vehicles, so it’s not easy to compare every company to get the best price available.

Are you getting every discount?

Companies don’t necessarily list every possible discount in a way that’s easy to find, so the next list breaks down some of the more common and the harder-to-find credits available to bring down your rates. If you’re not getting every credit possible, you are throwing money away.

• Onboard Data Collection – Insureds who allow data collection to monitor driving manner remotely such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if their driving habits are good.
• Federal Government Employee – Simply working for the federal government could cut as much as 10% off for Cruze coverage depending on your insurance provider.
• Discount for Home Ownership – Simply owning a home can earn you a little savings since home ownership is proof that your finances are in order.
• Student Discount for Driver Training – Teen drivers should take driver’s ed class in school or through a local driver safety program.
• Multi-Vehicle Discounts – Having multiple vehicles with one company can reduce the rates for all insured vehicles.
• Cautious Driver Discounts – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Cruze coverage than drivers with accident claims.
• Paper-free Discount – Many insurance companies will give a small break for completing your application digitally online.
• Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you could save up to 5%.

Discounts reduce rates, but you should keep in mind that most discount credits are not given to your bottom line cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the fact that it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business. But any discount will definitely reduce the cost of coverage.

Large insurance companies and a selection of discounts include:

• Geico discounts include driver training, five-year accident-free, good student, anti-lock brakes, and multi-vehicle.
• Mercury Insurance has savings for good driver, age of vehicle, multi-car, location of vehicle, multi-policy, accident-free, and anti-theft.
• Farmers Insurance offers discounts including bundle discounts, youthful driver, early shopping, alternative fuel, pay in full, multi-car, and good student.
• Auto-Owners Insurance may offer discounts for anti-lock brakes, teen driver, multi-policy, paid in full, and paperless.
• Liberty Mutual may have discounts that include hybrid vehicle, exclusive group savings, preferred payment discount, new vehicle discount, and multi-policy.
• SAFECO offers discounts for drive less, homeowner, bundle discounts, anti-lock brakes, anti-theft, accident prevention training, and multi-car.
• Progressive policyholders can earn discounts including online quote discount, online signing, homeowner, multi-policy, multi-vehicle, and continuous coverage.
• USAA has discounts for military installation, vehicle storage, safe driver, annual mileage, and defensive driver.

Before buying, ask all companies you are considering which discounts can lower your rates. Some discounts might not be offered on policies in your state. To locate companies that offer many of these discounts, click here to view.

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Learn how to buy insurance for less

When buying insurance it’s important to understand the different types of things that help calculate insurance rates. When consumers understand what determines base rates, this enables informed choices that may reward you with much lower annual insurance costs.

• Pay more if you have a long commute – Having an address in smaller towns and rural areas of the country can save you money if you are looking for the lowest rates. People who live in big cities have more auto accidents and a longer drive to work. Less people means fewer accidents.
• Your occupation and insurance rates – Did you know your occupation can influence how much you pay for insurance? Jobs such as real estate brokers, architects and emergency personnel usually pay higher premium rates because of intense work situations and extremely grueling work hours. Other jobs such as professors, students and performers pay the least for Cruze coverage.
• Compare rates if you consolidate your policies – Most major insurance companies will award lower prices to insureds who carry more than one policy such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even if you’re getting this discount you may still want to compare other company rates to help guarantee you have the best rates. You may still find a better deal by buying insurance from a different company.
• Safeguard your assets with liability coverage – The liability section of your policy will provide protection when you are ruled to be at fault for damages caused by your negligence. This coverage provides you with a defense in court to attempt to prove you were not liable. Liability insurance is pretty cheap when compared with rates for comp and collision, so drivers should carry high limits.
• Less chance of injury means lower premiums – Vehicles with high crash test scores cost less to insure. Safer cars reduce injuries and fewer serious injuries translates into savings for insurance companies which can result in lower premiums. If your Chevy Cruze has ratings of a minimum four stars on Safercar.gov you are probably receiving a discount.
• Increase coverage deductibles to save – Comp and collision deductibles are how much you are willing to pay out-of-pocket if a claim is determined to be covered. Protection for physical damage, termed comprehensive and collision coverage on your policy, covers damage that occurs to your car. Some examples of claims that would be covered would be collision with another vehicle, animal collisions, or theft of your vehicle. The more money you have to pay, the lower your rates will be for Cruze coverage.
• Get married and get better premiums – Having a significant other may cut your premiums when buying insurance. Marriage generally demonstrates drivers are more stable financially and statistics prove married drivers tend to have fewer serious accidents.
• Drive less and pay lower prices – The more you drive annually the more you’ll pay to insure your vehicle. Many insurance companies calculate prices based upon how the vehicle is primarily used. Vehicles that sit idle most of the time can get a lower rate compared to those used for work or business. Verify your insurance policy reflects the right rating data, because improper ratings can cost you money. An improperly rated Cruze is just wasting money.

When in doubt talk to an agent

When buying the best insurance coverage, there really is no best way to insure your cars. Every situation is different and your policy should reflect that. For instance, these questions could help you determine if your insurance needs would benefit from professional advice.

• Does coverage extend to my business vehicle?
• Is my Chevy Cruze covered if I use it for business?
• Is business equipment covered while in my vehicle?
• Do I pay less for low miles?
• Why is insurance for a teen driver so high?
• What is the ISO rating for a 2018 Chevy Cruze?
• Is my cargo covered for damage or theft?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, fill out this quick form or you can also visit this page to select a carrier

Tricks in insurance coverage advertising

Companies like Allstate and Progressive seem to constantly run television and radio advertisements. All the companies have a common claim about how much you will save if you just switch to their company. That’s great but how can every company give you a better price? Here is the trick they use.

Many companies quote their cheapest rates for the type of customer that will add to their bottom line. For instance, a profitable customer might have to be a married male, has never had a policy lapse, and has great credit. Anybody who meets those qualifications will get very good car insurance rates and will probably save when switching.

Consumers who fall short of those standards will probably be forced to pay a higher premium and this results in the customer buying from a different company. If you pay close attention to the ads, they say “drivers that switch” not “everyone who quotes” save the amount stated. That is how companies can truthfully advertise the way they do.

That is why drivers should do a price quote comparison at every renewal. Because you cannot predict which insurance coverage company will have the lowest prices for your situation.

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Auto insurance coverage information

Understanding the coverages of auto insurance can help you determine appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and coverage can change by endorsement. Shown next are typical coverages offered by auto insurance companies.

Comprehensive coverages – Comprehensive insurance coverage covers damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hitting a deer, falling objects, hitting a bird and theft. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance – This protects you from damage or injury you incur to other’s property or people by causing an accident. This insurance protects YOU against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount without having the split limit caps.

Liability can pay for things like legal defense fees, loss of income, funeral expenses and medical services. How much coverage you buy is your choice, but you should buy as much as you can afford.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills for ambulance fees, rehabilitation expenses, EMT expenses, surgery and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you do not have health 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 is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage – Collision coverage covers damage to your Cruze from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a parking meter, damaging your car on a curb, driving through your garage door, backing into a parked car and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Uninsured and underinsured coverage – This coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and damage to your 2018 Chevy Cruze.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Smart shoppers get results

We’ve covered a lot of information how to shop for 2018 Chevy Cruze insurance online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the biggest savings come from the smaller companies. These smaller insurers may have significantly lower rates on certain market segments as compared to the big name companies such as Progressive and Geico.

When trying to cut insurance costs, do not skimp on coverage in order to save money. Too many times, someone sacrificed liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. The goal is to purchase plenty of coverage for the lowest price while not skimping on critical coverages.

Even more information can be found in these articles:

• Neck Injury FAQ (iihs.org)
• Insuring a Leased Car (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)

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