Cheap 2004 Chevrolet SSR Insurance Quotes

Want better auto insurance rates for your Chevrolet SSR? Trying to find better insurance prices for a Chevy SSR can normally be a lot of work, but you can use these tips and make it easy.

There is a better way to buy auto insurance and you need to know the proper way to get price quotes for a Chevy and get the lowest price from local insurance agents and online providers.

Shopping for affordable car insurance can be fairly easy. If you have insurance now or need a new policy, you can learn to cut your premiums and still get good coverage. Drivers just need to learn the proper way to get comparison quotes over the internet.

More discounts mean affordable premiums

Some companies don’t always advertise the complete list of policy discounts in a way that’s easy to find, so the list below contains some of the best known in addition to some of the lesser obvious credits that you can use to lower your rates. If you do not check that you are getting every discount you deserve, it’s possible you qualify for a lower rate.

  • New Vehicle Savings – Buying a new car instead of a used car can be considerably cheaper because newer models are generally safer.
  • Homeowners Savings – Just owning your own home can get you a discount because it means you have a higher level of financial diligence.
  • Accident-Free Discounts – Drivers with accident-free driving histories get the best auto insurance rates in comparison with drivers who are more careless.
  • Theft Prevention Discount – Cars optioned with advanced anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Pay Early and Save – By paying your entire bill at once instead of monthly or quarterly installments you could save up to 5%.
  • Clubs and Organizations – Having an affiliation with a qualifying organization can get you a small discount on auto insurance.

One thing to note about discounts is that most credits do not apply the the whole policy. Some only apply to individual premiums such as medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, nobody gets a free ride.

A list of companies and some of the premium reductions they offer are:

  • Geico may include discounts for daytime running lights, defensive driver, air bags, seat belt use, multi-policy, anti-theft, and multi-vehicle.
  • Travelers includes discounts for new car, IntelliDrive, student away at school, good student, continuous insurance, home ownership, and early quote.
  • Farm Bureau offers premium reductions for 55 and retired, safe driver, good student, driver training, multi-vehicle, and multi-policy.
  • Liberty Mutual discounts include preferred payment discount, teen driver discount, safety features, new vehicle discount, multi-car, and new move discount.
  • American Family policyholders can earn discounts including air bags, Steer into Savings, good student, early bird, bundled insurance, and mySafetyValet.
  • Progressive may offer discounts for multi-policy, good student, multi-vehicle, continuous coverage, and online signing.

If you are trying to find inexpensive car insurance quotes, ask every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered everywhere. If you would like to view auto insurance companies that provide some of the discounts listed above, click here.

It’s not one size fits all

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no one size fits all plan. Each situation is unique.

For example, these questions might point out if your situation would benefit from professional advice.

  • Is my babysitter covered when using my vehicle?
  • Is my trailer covered?
  • How much liability coverage do I need in my state?
  • Do I have any recourse if my insurance company denies a claim?
  • If I drive on a suspended license am I covered?
  • Why am I required to buy liability insurance?
  • Should I buy full coverage?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Coverage specifics

Understanding the coverages of your policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring.

Medical payments and PIP coverage – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as surgery, ambulance fees, rehabilitation expenses, pain medications and doctor visits. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your 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

UM/UIM (Uninsured/Underinsured Motorist) coverage – Uninsured or Underinsured Motorist coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and damage to your 2004 Chevy SSR.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually the UM/UIM limits do not exceed the liability coverage limits.

Auto liability – Liability coverage provides protection from damage or injury you incur to other’s property or people that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things such as pain and suffering, funeral expenses, medical services and legal defense fees. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Collision coverages – Collision coverage pays for damage to your SSR from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as rolling your car, crashing into a building and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Comprehensive auto coverage – This coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as falling objects, damage from a tornado or hurricane, damage from getting keyed and hail damage. The most you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

More effort can pay off

We just showed you some good ideas how to shop for 2004 Chevy SSR insurance online. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Consumers may even find the lowest premium rates come from the smaller companies.

When buying insurance coverage, never buy poor coverage just to save money. In many cases, consumers will sacrifice uninsured motorist or liability limits and learned later they didn’t have enough coverage. Your aim should be to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.

Consumers change insurance companies for a number of reasons such as an unsatisfactory settlement offer, not issuing a premium refund, extreme rates for teen drivers or policy cancellation. It doesn’t matter what your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

Much more information about insurance coverage is located at these links: