2013 Chevrolet Captiva Sport Car Insurance Cost – 5 Tips for Cheapest Prices

Trying to find lower car insurance rates for your Chevrolet Captiva Sport? Wish you could get out of overpriced car insurance? You’re in good company because there are lots of residents who feel the same.

Companies like Geico, Progressive and Allstate constantly blast consumers with fancy advertisements and consumers find it hard to separate fact from fiction and do the work needed to find the best deal.

It’s a great practice to do rate comparisons on a regular basis due to the fact that insurance rates trend upward over time. Even if you got the lowest rate on Captiva Sport coverage six months ago you may be paying too much now. Forget anything you know (or think you know) about car insurance because we’re going to show you the fastest and easiest way to save money, get proper coverage and the best rates.

Do you qualify for these five discounts?

Auto insurance can be pricey, but there’s a good chance there are discounts that you may not even be aware of. Certain discounts will be triggered automatically when you quote, but once in a while a discount must be requested specifically in order for you to get them.

  • Low Mileage Discounts – Fewer annual miles on your Chevy could qualify for lower auto insurancerates on the low mileage vehicles.
  • Discount for Life Insurance – Select auto insurance companies reward you with a discounted premium rate on car insurance if you buy some life insurance too.
  • Discount for Home Ownership – Owning a house can get you a discount because maintaining a house is proof that your finances are in order.
  • Driver Education Discount – Teen drivers should sucessfully take a drivers education course if it’s offered in school.
  • No Claims – Drivers with accident-free driving histories can save substantially compared to bad drivers.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire cost. Most only apply to specific coverage prices like medical payments or collision. So even though you would think you can get free auto insurance, insurance companies wouldn’t stay in business.

A list of auto insurance companies and their possible discounts are:

  • Farm Bureau offers discounts including multi-vehicle, 55 and retired, renewal discount, youthful driver, good student, and multi-policy.
  • MetLife has savings for good driver, good student, defensive driver, multi-policy, and accident-free.
  • Progressive discounts include good student, homeowner, online signing, continuous coverage, online quote discount, and multi-policy.
  • AAA offers premium reductions for education and occupation, good driver, multi-car, good student, anti-theft, multi-policy, and AAA membership discount.
  • American Family includes discounts for mySafetyValet, bundled insurance, good driver, early bird, and Steer into Savings.
  • Geico offers discounts for multi-vehicle, driver training, seat belt use, membership and employees, anti-lock brakes, anti-theft, and daytime running lights.
  • State Farm may offer discounts for defensive driving training, passive restraint, anti-theft, accident-free, multiple autos, and multiple policy.

When comparing rates, check with each company to apply every possible discount. All car insurance discounts may not be available in your area.

Don’t assume everyone needs the same car insurance coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. For example, these questions can help discover whether you may require specific advice.

  • Should I buy additional glass protection?
  • Is business property covered if stolen from my car?
  • Can I still get insurance after a DUI?
  • Does coverage extend to a rental car in a foreign country?
  • I have health insurance so do I need medical payments coverage?
  • Am I covered if I hit a deer?
  • Is my 2013 Chevy Captiva Sport covered for smoke damage?
  • How can I get high-risk coverage after a DUI?
  • Who is covered when they drive my 2013 Chevy Captiva Sport?
  • Who is covered by my policy?

If you’re not sure about those questions, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance coverage options for a Chevy Captiva Sport

Learning about specific coverages of your policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on the average insurance policy.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as crashing into a building, hitting a parking meter, driving through your garage door, scraping a guard rail and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Medical expense coverage

Med pay and PIP coverage reimburse you for expenses for things like nursing services, ambulance fees and dental work. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Uninsured or underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Liability

This coverage protects you from damages or injuries you inflict on other’s property or people that is your fault. 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 limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against claims such as repair bills for other people’s vehicles, medical expenses, structural damage, emergency aid and loss of income. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive protection

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from a tornado or hurricane, theft, rock chips in glass, hitting a bird and a broken windshield. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

In the end, you save

Cheaper car insurance is possible both online as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. Some companies do not offer the ability to get a quote online and these small insurance companies only sell coverage through independent insurance agencies.

When you buy insurance coverage online, it’s very important that you do not reduce coverage to reduce premium. In too many instances, drivers have reduced liability limits or collision coverage and learned later they didn’t have enough coverage. Your focus should be to get the best coverage possible at the lowest possible cost, but do not skimp to save money.

In this article, we covered some good ideas how you can compare 2013 Chevy Captiva Sport insurance prices online. The key thing to remember is the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the most savings is with a small local company. Some small companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm or Progressive.

More information is located at the links below