2005 Chevrolet SSR Insurance Quotes

Sick and tired of scraping the payment together to pay high insurance coverage rates every month? Your situation is no different than most other vehicle owners. You have multiple insurers to purchase coverage from, and though it is a good thing to have multiple companies, it can be more difficult to adequately compare rates.

Buy car insurance online

Performing a rate comparison can take time and effort if you don’t understand the fastest way to get free quotes. You could spend your day talking to insurance companies in your area, or you can utilize the web to get pricing more quickly.

All the larger companies enroll in a system that enables customers to enter their coverage request one time, and each participating company returns a rated price based on the submitted data. This eliminates the need for quote forms to each company.

To compare pricing click here to open in new window.

The only drawback to using this type of form is that you can’t choose which companies you want to price. So if you prefer to choose specific providers to receive pricing from, we have assembled a list of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same quote data for each comparison quote. If you are comparing higher or lower deductibles you can’t possibly determine which rate is truly the best.

Slick advertising tricks that work

Consumers can’t ignore all the ads for the lowest price auto insurance by companies like State Farm, Geico and Progressive. All the companies convey the message about savings after switching your auto insurance policy to them.

How does every company charge less that you’re paying now? This is the trick they use.

Insurance companies are able to cherry pick for the type of driver that will be a good risk. One example of this type of driver could possibly be a mature driver, owns their home, and drives a car with an anti-theft system. A propective insured that hits that “sweet spot” will get very good car insurance rates as well as save quite a bit of money when switching.

Drivers who do not meet these standards will have to pay a higher premium and ends up with business going elsewhere. If you pay attention, the ads say “people who switch” not “everybody who quotes” can save as much as they claim. This is how insurance companies can claim big savings. Because each company has a different risk profile, you should do a rate comparison at every renewal. It’s not possible to predict which company will provide the lowest prices.

Why you might pay inflated rates

Consumers need to have an understanding of some of the factors that play a part in calculating the level of your policy premiums. When you know what positively or negatively influences your rates, this empowers consumers to make smart changes that can help you get lower auto insurance prices. Lots of factors are taken into consideration when you get a price on insurance. Some factors are common sense like an MVR report, but other factors are not quite as obvious like your vehicle usage or your financial responsibility.

  • How many miles do you drive? – Driving more miles in a year’s time the higher your rates will be. Many insurance companies price each vehicle’s coverage based upon how you use the vehicle. Cars that have low annual miles receive better premium rates as compared to vehicles used primarily for driving to work. It’s a good idea to make sure your auto insurance coverage shows the correct usage, because it can save money. An improperly rated SSR may be costing you.
  • Only buy coverage you need – There are a ton of optional add-on coverages that you can buy when buying auto insurance. Coverages like vanishing deductibles, accident forgiveness, and term life insurance may be wasting your money. The coverages may be enticing when you first buy your policy, but if you have no use for them think about removing them and cutting costs.
  • Teen drivers pay higher costs – Beginning drivers tend to get distracted easily with other occupants in the car so they pay higher auto insurance rates. Older insureds are more responsible, cause fewer claims and accidents and tend to be get fewer driving tickets.
  • Does your occupation raise your prices? – Did you know your auto insurance rates can be affected by your occupation? Jobs like military personnel, architects and emergency personnel tend to have higher premium rates in part from intense work requirements and lots of time spent away from family. On the other hand, occupations like professors, athletes and homemakers pay lower than average rates for SSR insurance.
  • Cheaper prices with safer cars – Vehicles with high crash test scores cost less to insure. Vehicles engineered for safety have better occupant injury protection and fewer serious injuries means lower claim amounts passed on to you as lower rates.
  • Never have auto insurance lapses – Having a gap between insurance policy dates will be a fast way to drive up your policy premiums. Not only will you pay more, being ticketed for driving with no insurance might get you fines and jail time. You may have to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Buy as much liability protection as you can afford – A critical coverage on your policy, liability insurance provides coverage when you are determined to be liable for damages from an accident. Your liability coverage provides legal defense up to the limits shown on your policy. Liability insurance is pretty cheap when compared to the cost of physical damage coverage, so do not cut corners here.
  • Your car’s features help determine prices – Choosing a vehicle with a theft deterrent system can save you a little every year. Systems that thwart theives like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop auto theft and help lower rates.

Discount car insurance rates

Some insurers do not list every discount they offer in a way that’s easy to find, so the following list contains both the well known as well as some of the hidden credits available to bring down your rates.

  • Claim-Free Discount – Drivers who stay claim-free can earn big discounts compared to policyholders that have many claims.
  • Multi-Vehicle Discounts – Buying insurance for multiple vehicles on the same car insurance policy can get a discount for every vehicle.
  • ABS Brakes – Anti-lock brake equipped vehicles are safer to drive so you can save 10 percent or more.
  • Distant College Student Discount – Any of your kids who are attending college and do not take a car to college may qualify for this discount.
  • Low Mileage Discounts – Low mileage vehicles can qualify you for better premium rates on cars that stay parked.

A quick disclaimer, most discounts do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates adding up those discounts means a free policy, insurance companies wouldn’t stay in business. But all discounts should definitely cut the premium cost.

Car insurance companies that may offer policyholders many of the previously listed discounts may include but are not limited to:

If you want cheaper insurance quotes, ask each company which discounts you qualify for. Savings may not apply to policyholders in your area. If you would like to choose from a list of car insurance companies that can offer you the previously mentioned discounts, click here.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different so your insurance needs to address that. For instance, these questions can help discover if your insurance needs will benefit from professional help.

  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Should I waive the damage coverage when renting a car?
  • What if I owe more than I can insure my car for?
  • What is the minimum liability in my state?
  • Am I missing any policy discounts?
  • Does my medical payments coverage pay my health insurance deductible?
  • Will filing a claim cost me more?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Coverages available on your policy

Having a good grasp of your insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. These are the normal coverages offered by insurance companies.

Comprehensive (Other than Collision) – This pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from a tornado or hurricane, vandalism, hail damage and a tree branch falling on your vehicle. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverage – This coverage will pay to fix damage to your SSR from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a ditch, hitting a mailbox, colliding with a tree, rolling your car and crashing into a building. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Liability insurance – This provides protection from damage that occurs to a person or their property. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as pain and suffering, attorney fees, structural damage, bail bonds and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense insurance – Med pay and PIP coverage reimburse you for bills like funeral costs, EMT expenses and doctor visits. They are used to fill the gap from your health insurance plan or if you do not have health coverage. It covers you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your 2005 Chevy SSR.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

At the end of the day…

Cheaper 2005 Chevy SSR insurance can be purchased online in addition to many insurance agents, so get free insurance quotes from both of them to have the best selection. A few companies do not provide rates over the internet and most of the time these small insurance companies provide coverage only through local independent agents.

In this article, we covered a lot of ways to shop for 2005 Chevy SSR insurance online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the best rates are with an unexpected company. They can often insure niche markets at a lower cost compared to the large companies like Allstate or State Farm.

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