Lower Your 2006 Chevrolet SSR Car Insurance Quotes

Locating low-cost insurance for a Chevy SSR can normally be difficult, but you can learn the following methods to save time.

There are more efficient ways to compare auto insurance rates so you’re going to learn the quickest way to compare rates on a Chevy and obtain the best price possible from both online companies and local agents.

The method we recommend to compare policy rates is to know almost all companies have advanced systems to compare rate quotes. The only thing you need to do is provide the companies a bit of rating information like how old drivers are, which vehicles you own, any included safety features, and if you’re married. That rating information is instantly sent to multiple car insurance providers and they respond with quotes immediately.

Are car insurance companies telling the truth?

Consumers can’t avoid all the ads for car insurance savings from companies such as Allstate, Geico and Progressive. They all seem to state the claim that drivers can save some big amount if you get a free car insurance quote and switch your coverage to them.

It sounds good, but how can they all cost less than your current company? It’s all in the wording.

Companies quote the lowest rates for the type of customer that earns them the most money. An example of this type of driver might have to be married and over the age of 30, carries high limits, and drives less than 7,500 miles a year. A customer getting a price quote who fits those characteristics will get very good auto insurance rates and therefore will save if they switch.

Potential customers who cannot meet this ideal profile will get more expensive rates and the driver buying from a lower-cost company. Company advertisements say “customers who switch” not “everyone who quotes” will save that much if they switch. This is how insurance companies can confidently make claims that they all have the best prices.

Because each company has a different risk profile, drivers must do a price quote comparison at every renewal. It’s not possible to predict the company that will fit your personal profile best.

Verify you’re earning every discount

Auto insurance is easily one of your largest bills, but discounts can save money and there are some available that can help lower your rates. A few discounts will be applied when you purchase, but some may not be applied and must be manually applied before you get the savings.

  • Driver’s Ed – Require your teen driver to take driver’s ed class if it’s offered in school.
  • E-sign – Some larger companies may give you up to $50 for buying your policy digitally online.
  • Accident Free – Insureds who avoid accidents and claims can save substantially as compared to frequent claim filers.
  • Theft Prevention Discount – Vehicles that have factory anti-theft systems are less likely to be stolen and that can save you a little bit as well.
  • Federal Employees – Active or retired federal employment can save as much as 8% on SSR insurance but check with your company.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to buckle their seat belts can save a little on medical payment and PIP coverage.
  • Multi-policy Discount – If you combine your homeowners and auto policies and insure them with the same company you may earn 10% to 20% off each policy.

As a footnote on discounts, most credits do not apply to all coverage premiums. Most cut individual premiums such as liability and collision coverage. Just because it seems like adding up those discounts means a free policy, companies don’t profit that way. But any discount should help lower your auto insurance premiums.

To see a list of insurers offering auto insurance discounts, click here.

When should I discuss my situation with an agent?

When it comes to choosing coverage, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions can help discover whether your personal situation would benefit from professional advice.

  • How much can I save by bundling my policies?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I need replacement cost coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Am I covered when driving in Canada or Mexico?
  • Does my car insurance cover rental cars?
  • Is motorclub coverage worth it?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Detailed coverages of your car insurance policy

Having a good grasp of car insurance can help you determine appropriate coverage and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Auto collision coverage

This coverage will pay to fix damage to your SSR 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 backing into a parked car, sustaining damage from a pot hole, crashing into a building, sideswiping another vehicle and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also bump up the deductible to save money on collision insurance.

Medical expense insurance

Coverage for medical payments and/or PIP pay for immediate expenses for things like rehabilitation expenses, dental work, surgery and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for medical payments for you and your occupants and also any damage incurred to your Chevy SSR.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently these coverages are identical to your policy’s liability coverage.

Liability coverages

Liability insurance provides protection from damages or injuries you inflict on a person or their property by causing an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things like bail bonds, funeral expenses, attorney fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, hitting a bird, rock chips in glass and vandalism. The highest amount your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Spend less. Save more.

Consumers change insurance companies for many reasons like delays in paying claims, being labeled a high risk driver, poor customer service and even extreme rates for teen drivers. It doesn’t matter why you want to switch finding the right car insurance provider is not as difficult as it may seem.

As you go through the steps to switch your coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, someone sacrificed liability limits or collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at an affordable rate.

We covered a lot of techniques to get a better price on 2006 Chevy SSR insurance. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even discover the best price on car insurance is with a small mutual company.

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