2011 Chevrolet Cruze Car Insurance Rates

Trying to find lower car insurance rates for your Chevrolet Cruze? Searching for low-cost insurance for your Chevy Cruze can normally be a lot of work, but you can learn these tips to save time. There are both good and bad ways to compare car insurance rates so we’re going to tell you the proper way to compare rates for a Chevy and find the cheapest rates either online or from local insurance agents.

If you are insured now or need new coverage, you will benefit by learning to get lower rates and still get good coverage. Buying the cheapest car insurance can be fairly easy. Vehicle owners only need an understanding of the proper methods to compare rates over the internet.

The method we recommend to compare car insurance rates is to know most insurance companies allow for online access to give you rate quotes. All consumers are required to do is give them some information such as the make and model of your vehicles, daily mileage, coverage limits, and if you have an active license. Those rating factors gets transmitted to all major companies and you should receive rate quotes immediately.

Discounts can really help save money

Some insurance providers don’t list every discount they offer very well, so the following list contains a few of the more common and also the lesser-known discounts that may be available. If you’re not getting every credit you qualify for, you may be paying too high a price.

  • Renewal Discounts – A few insurance companies allow discounts for switching to them before your current expiration date. It’s a savings of about 10%.
  • Student Driver Training – Teen drivers should sucessfully take a drivers education course in school.
  • Include Life Insurance and Save – Companies who offer life insurance give better rates if you take out a life policy as well.
  • ABS Braking Discount – Cars and trucks with anti-lock braking systems are safer to drive and earn discounts up to 10%.
  • Policy Bundle Discount – If you can combine your homeowners and auto policy with the same company they may give you a discount of at least 10% off all policies.
  • Discounts for Cautious Drivers – Drivers without accidents can pay as much as 50% less for Cruze insurance as compared to drivers with claims.

Policy discounts save money, but most credits do not apply to your bottom line cost. The majority will only reduce specific coverage prices like comp or med pay. Just because it seems like all the discounts add up to a free policy, that’s just not realistic.

A partial list of companies who might offer some of the discounts shown above include:

It’s a good idea to ask every prospective company which credits you are entitled to. Some discounts listed above may not apply in your area.

Decisions you make can impact your insurance costs

One of the most helpful ways to save on insurance is to to have a grasp of some of the factors that aid in calculating the rates you pay for insurance. If you have some idea of what influences your rates, this enables you to make decisions that could result in cheaper rates.

The itemized list below are some of the items used by your company to calculate your premiums.

  • Insurance rates and age – Young drivers are proven to be more careless with other occupants in the car and because of this, their insurance rates are much higher. If you’ve ever had to add a first-time driver to your insurance policy can really hurt. Older drivers are more cautious drivers, tend to file fewer claims and tend to be get fewer driving tickets.
  • Too many insurance claims will drive premiums up – If you are the type of insured that files lots of claims you can definitely plan on higher rates. Insurance companies award better rates to drivers who file claims infrequently. Your insurance policy is meant to be used in the event of claims that pose a financial burden.
  • Always keep your coverage in force – Letting your insurance expire is a sure-fire way to bump up your insurance costs. In addition to paying higher rates, being ticketed for driving with no insurance may result in fines and jail time.
  • GPS tracking and theft deterrents reduce insurance rates – Buying a car with a theft deterrent system can help lower your premiums. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder vehicle theft.
  • More traffic equals higher rates – Choosing to live in smaller towns and rural areas of the country can be a good thing when insuring your vehicles. Less people living in that area means reduced accidents in addition to fewer liability claims. Drivers who live in large cities regularly have congested traffic and more time behind the wheel. More time on the road can result in more accidents.
  • Do safer cars cost less to insure? – Vehicles with high crash test scores are cheaper to insure. Safer cars result in less severe injuries and reduced instances of injuries translates into savings for insurance companies which can result in lower premiums. If your Chevy Cruze is rated at a minimum four stars on Safercar.gov you may qualify for a discount.
  • Costs also based on gender – Over the last 30 years, statistics show women are more cautious behind the wheel. This data doesn’t prove that females are better at driving than males. Women and men have fender benders in similar percentages, but guys get into accidents with more damage. Men also tend to get higher numbers of serious violations like DWI (DUI) or reckless driving.
  • Higher premiums for specific vocations – Occupations such as military generals, executives and accountants tend to have higher average rates in part from high stress and extremely grueling work hours. On the other hand, professions such as actors, athletes and performers generally pay rates lower than average for Cruze insurance.

Will just any policy work for me?

When buying adequate coverage, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s.

Here are some questions about coverages that could help you determine whether you might need professional guidance.

  • Does coverage extend to my business vehicle?
  • Can I drive in Mexico and have coverage?
  • Where can I find high-risk insurance?
  • Should I sign the liability waiver when renting a car?
  • Does my policy cover my teen driver if they drive my company car?
  • Do I need to file an SR-22 for a DUI in my state?

If you can’t answer these questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Specific coverage details

Learning about specific coverages of car insurance can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Liability

Liability insurance can cover damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability insurance covers things such as medical expenses, loss of income and medical services. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Comprehensive coverages

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from flooding, theft, hitting a deer and damage from getting keyed. The most your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses like chiropractic care, funeral costs and EMT expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision protection

This pays for damage to your Cruze resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like colliding with a tree, driving through your garage door and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Be a Smart Shopper

Consumers switch companies for many reasons like not issuing a premium refund, questionable increases in premium, denial of a claim and high rates after DUI convictions. No matter why you want to switch, switching car insurance companies is not as difficult as it may seem.

When trying to cut insurance costs, it’s very important that you do not buy less coverage just to save a little money. In many cases, consumers will sacrifice collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your goal is to buy enough coverage at the best cost but still have enough coverage for asset protection.

You just learned some good ideas how you can reduce 2011 Chevy Cruze insurance rates online. The key thing to remember is the more providers you compare, the better your comparison will be. Drivers may discover the lowest priced car insurance comes from a company that doesn’t do a lot of advertising.

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