Lower Your 2012 Chevrolet Cruze Insurance Cost

Want the cheapest insurance rates for your Chevrolet Cruze? Price shopping your Driversinsurance might be very difficult for drivers who are beginners to online rate comparisons. With such a large number of companies competing online, it can turn into a big hassle to lower your rates.

You should take the time to get comparison quotes before your policy renews because rates tend to go up over time. Even if you think you had the best rate on Cruze coverage at your last renewal there may be better deals available now. There is too much inaccurate information about insurance on the internet, but we’re going to give you some guaranteed methods to reduce your insurance bill.

If you have car insurance now, you should be able to reduce your rates substantially using these methods. Locating affordable coverage is easy if you know what you’re doing. Although consumers must understand the methods companies use to price insurance differently and apply this information to your search.

Find discounts on auto insurance

Buying auto insurance is not cheap, but you can get discounts to cut the cost considerably. Certain discounts will be applied at the time you complete a quote, but some must be asked about before you get the savings.

  • E-sign Discounts – A handful of larger companies will provide an incentive for completing your application online.
  • 55 and Retired – Drivers over the age of 55 may be able to get lower premium rates on Cruze coverage.
  • Driver’s Education for Students – Teen drivers should participate in a local driver’s education class if it’s offered in school.
  • Defensive Driver Discount – Participating in a course that instructs on driving safety could possibly earn you a 5% discount if you qualify.
  • Auto/Life Discount – If the company offers life insurance, you could get a lower rate if you buy a life policy as well.
  • Air Bags and Passive Restraints – Options like air bags or motorized seat belts may qualify for discounts as much as 30%.
  • Anti-lock Brake Discount – Cars and trucks that have anti-lock braking systems prevent accidents and earn discounts up to 10%.
  • No Charge for an Accident – This one isn’t a discount, but some insurance companies permit an accident before raising your premiums as long as you don’t have any claims for a specific time period.

Discounts reduce rates, but you should keep in mind that most discounts do not apply the the whole policy. A few only apply to specific coverage prices like comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, auto insurance companies aren’t that generous.

A list of companies and some of their more popular discounts are shown below.

  • Geico offers premium reductions for driver training, defensive driver, good student, multi-vehicle, membership and employees, and military active duty.
  • SAFECO discounts include teen safety rewards, multi-car, drive less, bundle discounts, and teen safe driver.
  • State Farm offers discounts including multiple autos, passive restraint, good driver, multiple policy, defensive driving training, Drive Safe & Save, and accident-free.
  • MetLife policyholders can earn discounts including multi-policy, good student, accident-free, defensive driver, claim-free, and good driver.
  • 21st Century includes discounts for defensive driver, homeowners, student driver, air bags, and driver training.
  • Progressive offers discounts for online signing, multi-vehicle, multi-policy, good student, and homeowner.

When getting free insurance coverage quotes, it’s a good idea to each company to give you their best rates. Depending on the company, some discounts may not apply to policyholders everywhere. For a list of auto insurance companies that offer discounts, click here.

Low cost auto insurance prices

The are a couple different ways to get quotes from local auto insurance companies. The fastest way to find affordable 2012 Chevy Cruze insurance rates consists of shopping online. This is very easy and can be done in several different ways.

The recommended way to get the best comparison quotes is a comparison rater form click to view form in new window. This quick form keeps you from doing separate quote forms for every auto insurance company. Filling out one form will return quotes direct from many companies. Recommended for those who want to invest the least amount of time.

A less efficient way to compare rate quotes is to manually visit the website of each company to request a price quote. For sake of this example, let’s assume you need rates from Geico, Liberty Mutual and Progressive. In order to compare rates, you need to spend time on each company’s site and enter your information, which can get rather old.

To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just double check that you are using apples-to-apples coverages for each comparison quote. If you have higher or lower deductibles you will not be able to make a fair rate comparison. Just a small difference in coverages can mean a large discrepancy in price. Just keep in mind that comparing a large number of companies will increase your chances of finding lower pricing.

Tailor your auto insurance coverage to you

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

For instance, these questions may help you determine whether your personal situation could use an agent’s help.

  • Am I insured when driving a different vehicle?
  • Can I get a multi-policy discount?
  • Should I sign the liability waiver when renting a car?
  • Should I get collision insurance on every vehicle?
  • What should my uninsured motorist coverage limits be in my state?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Is my custom paint covered by insurance?
  • Do I have coverage when using my vehicle for my home business?
  • Is my ex-spouse still covered by my policy?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete this short form.

Car insurance coverage considerations

Learning about specific coverages of your policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Cruze.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Comprehensive protection – This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from flooding, fire damage, damage from getting keyed, damage from a tornado or hurricane and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Liability insurance – This coverage provides protection from damage that occurs to other people or property by causing an accident. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability insurance covers things like court costs, funeral expenses, bail bonds, pain and suffering and medical services. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverages – Collision insurance covers damage to your Cruze resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers claims like hitting a parking meter, crashing into a building and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Medical expense coverage – Coverage for medical payments and/or PIP pay for short-term medical expenses like prosthetic devices, chiropractic care, surgery, X-ray expenses and dental work. They can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Make a quick buck

In this article, we presented a lot of ways to compare 2012 Chevy Cruze insurance prices online. It’s most important to understand that the more price quotes you have, the higher your chance of finding the cheapest insurance coverage. Consumers could even find that the biggest savings come from some of the smallest insurance companies.

People leave their current company for a number of reasons such as delays in paying claims, an unsatisfactory settlement offer, not issuing a premium refund or even policy cancellation. Regardless of your reason, finding a great new company is pretty easy and you might even save some money in the process.

When shopping online for auto insurance, never sacrifice coverage to reduce premiums. There are many occasions where someone dropped collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at the lowest possible cost.

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