Cheaper 2017 Chevrolet SS Insurance Rates

Are you intimidated by the number of insurance providers in your area? You’re not alone. There are so many choices that it can easily turn into a challenge to find a cheaper company.

Consumers should take time to quote other rates before your next renewal since prices fluctuate regularly. Despite the fact that you may have had the best rates for SS insurance last year other companies may now be cheaper. Block out anything you think you know about insurance because we’re going to demonstrate the proper way to eliminate unnecessary coverages and save money.

Auto Insurance Discounts

Some insurers don’t always publicize all their discounts in an easy-to-find place, so the list below gives a summary of some of the best known in addition to some of the lesser obvious credits available to you.

• Discounts for Government Workers – Active or former government employment could cut as much as 10% off for SS insurance with select insurance companies.
• Pay Early and Save – By making one initial payment instead of making monthly payments you may have a lower total premium amount.
• Passenger Safety Discount – Vehicles equipped with air bags may get savings of more than 20%.
• Buy New and Save – Buying a new car instead of a used car can get you a discount since newer models have better safety ratings.
• Discounts for Seat Belt Usage – Drivers who require all occupants to buckle up can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Bundled Policy Discount – If you have multiple policies with one insurance company you could save nearly 15% which can help you find affordable auto insurance.
• Active Service Discounts – Having a deployed family member could mean lower auto insurance rates.
• Defensive Driver Discounts – Successfully completing a safe driver class could earn you a small percentage discount and also improve your driving technique.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky.

To find insurance companies that can offer you the previously mentioned discounts, click here to view.

The best way to get rate comparisons is to understand car insurance companies have advanced systems to compare their rates. The one thing you need to do is provide a little information including which vehicles you own, your education level, what you do for a living, and your general credit rating. That rating data is sent automatically to many different companies and they return quotes immediately.

To start a rate quote now, click here and find out if you can get cheaper insurance.

Tailor your insurance coverage to you

When it comes to buying adequate coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that might point out if your situation might need professional guidance.

• Is my custom paint covered by insurance?
• I have health insurance so do I need medical payments coverage?
• Do I benefit by insuring my home with the same company?
• Will filing a claim cost me more?
• What is medical payments coverage?
• Am I covered if my car is in a flood?
• Who is covered when they drive my 2017 Chevy SS?
• Is my teenager covered with friends in the car?
• When should I remove comp and collision on my 2017 Chevy SS?

If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to an agent. To find an agent in your area, simply complete this short form.

Car insurance coverages for a Chevy SS

Having a good grasp of your policy can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Comprehensive coverages

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as vandalism, a tree branch falling on your vehicle and hitting a deer. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Auto liability

Liability insurance provides protection from damage or injury you incur to other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things like structural damage, attorney fees, bail bonds, funeral expenses and repair bills for other people’s vehicles. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Uninsured and underinsured coverage

This protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills like doctor visits, funeral costs and EMT expenses. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance will pay to fix damage to your SS caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as backing into a parked car, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

A tidy conclusion

We’ve covered a lot of information how to get a better price on 2017 Chevy SS insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. You may even discover the biggest savings come from a small mutual company.

Some auto insurance companies may not have the ability to get quotes online regional carriers work with independent agents. Cheaper auto insurance can be found both online and also from your neighborhood agents, and you should be comparing both in order to have the best chance of saving money.

Drivers leave their current company for a number of reasons such as policy cancellation, poor customer service, lack of trust in their agent or questionable increases in premium. Regardless of your reason, switching companies can be pretty painless.

More information can be read at these links:

• Car Insurance: When not to Skimp (BankRate.com)
• Tools for Teen Driving Safety (State Farm)
• Where can I buy Insurance? (Insurance Information Insitute)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)