How Much Does 2012 Chevrolet Captiva Sport Car Insurance Cost?

No one in their right mind looks forward to paying for insurance, particularly when it costs too dang much. Insurance companies such as Progressive, Geico and Farmers Insurance all promote huge savings with TV and radio ads and consumers find it hard to avoid their marketing magic and find the best price available.

Four factors that influence insurance costs

Many different elements are used in the calculation when pricing auto insurance. Some are obvious such as your driving history, but other factors are more transparent like your continuous coverage or your commute time.One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the elements that play a part in calculating your premiums. If you have a feel for what determines base rates, this enables you to make decisions that could result in cheaper rates.

  • Always have insurance coverage – Not having insurance is illegal and as a result your rates will increase for letting your insurance coverage expire. Not only will you pay higher rates, the inability to provide proof of insurance might get you a revoked license or a big fine.
  • Insurance coverage rates and age – Mature drivers are more cautious drivers, are lower risk to insure and are safer drivers.Drivers with little experience have been known to be easily distracted in a vehicle so they pay higher insurance coverage rates.
  • Get married and pay lower premiums – Having a wife or husband may cut your premiums on your insurance coverage policy. It is viewed as being more responsible and statistics show married drivers tend to file fewer claims.
  • Extra policy coverages can add up – Policies have additional extra coverages that you can buy on your Captiva Sport policy. Coverages for rental car reimbursement, accident forgiveness, and extra equipment coverage are some examples. They may seem like a good idea when you first buy your policy, but if they’re wasting money get rid of them and save.

Get cheaper insurance with discounts

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available that can help lower your rates. Some trigger automatically at quote time, but a few need to be requested specifically prior to getting the savings.

  • Discount for Good Grades – Getting good grades may save you up to 25%. Most companies allow this discount up to age 25.
  • Use Seat Belts – Drivers who require all vehicle occupants to use a seat belt could cut 10% or more off the PIP or medical payment premium.
  • Theft Prevention System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and therefore earn up to a 10% discount.
  • New Vehicle Savings – Insuring a new car can be considerably cheaper compared to insuring an older model.
  • No Claims – Insureds who avoid accidents and claims pay less in comparison with policyholders that have many claims.

We need to note that many deductions do not apply to the overall cost of the policy. Most only cut specific coverage prices like comp or med pay. Despite the appearance that you could get a free insurance policy, insurance companies wouldn’t stay in business.

To find insurers with the best insurance discounts, click here.

Auto insurance in the media

Consumers can’t get away from all the ads for cheaper auto insurance by Progressive, Geico, Allstate and State Farm. All the companies make the same claim that you’ll save big after switching your policy.

How is it plausible that every one can offer you a better deal? You have to listen carefully.

All companies quote the lowest rates for the type of driver that will generate a profit. One example of this type of insured could be between the ages of 30 and 50, is a homeowner, and drives a car with an anti-theft system. A customer who meets those qualifications will most likely get cheap prices and therefore will pay quite a bit less when switching companies.

Potential insureds who may not quite match those standards will get a higher premium which translates to the prospect going elsewhere. The wording the ads use say “customers who switch” not “everyone that quotes” save that much money. That is how companies can truthfully state the savings.

This really drives home the point why you really should compare many company’s prices. It is impossible to guess which company will have the lowest premium rates for your situation.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different so your insurance needs to address that. For instance, these questions may help highlight whether you would benefit from an agent’s advice.

  • Is my teenager covered with friends in the car?
  • How much underlying liability do I need for an umbrella policy?
  • What is the ISO rating for a 2012 Chevy Captiva Sport?
  • What is the difference between comprehensive and collision coverage?
  • Is motorclub coverage worth it?
  • What vehicles should carry emergency assistance coverage?
  • Can my babysitter drive my car?
  • Am I getting all the discounts available?

If you’re not sure about those questions but a few of them apply then you might want to talk to an insurance agent. If you want to speak to an agent in your area, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and can help protect your family.

Auto insurance 101

Having a good grasp of your car insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Shown next are the usual coverages offered by car insurance companies.

Liability coverages – This provides protection from damage or injury you incur to other’s property or people. It protects you against other people’s claims. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as funeral expenses, pain and suffering, court costs and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

Collision – This pays for damage to your Captiva Sport resulting from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like damaging your car on a curb, driving through your garage door, rolling your car and backing into a parked car. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like damage from getting keyed, theft, damage from flooding and hitting a deer. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Insurance for medical payments – Coverage for medical payments and/or PIP pay for bills such as funeral costs, pain medications and X-ray expenses. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection from other drivers when they either have no liability insurance or not enough. 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, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

What is YOUR best insurance company?

Discount 2012 Chevy Captiva Sport insurance is attainable online and from local agencies, and you need to comparison shop both so you have a total pricing picture. Some insurance providers don’t offer the ability to get a quote online and most of the time these smaller providers only sell through independent agencies.

When you buy car insurance online, do not buy lower coverage limits just to save a few bucks. In many instances, someone dropped liability coverage limits only to regret at claim time that they should have had better coverage. Your strategy should be to purchase a proper amount of coverage at the best cost.

We just showed you many tips how you can get a better price on 2012 Chevy Captiva Sport insurance. The key concept to understand is the more quotes you get, the higher your chance of finding low cost car insurance. You may even find the lowest rates are with a lesser-known regional company. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like State Farm or Progressive.

Additional detailed information can be read in these articles: