2013 Chevrolet Cruze Car Insurance Quotes

Do you think you bought an underperforming, overpriced insurance coverage policy? Trust us, there are many people just like you. Drivers have many insurers to buy insurance from, and though it is a good thing to be able to choose, it can be more difficult to compare rates and cut insurance costs.

Discount insurance car insurance quotes

The price of auto insurance can be rather high, but you may find discounts that you may not even be aware of. Certain credits will be shown when you complete an application, but some discounts are required to be asked for before you will receive the discount. If you’re not getting every credit you deserve, it’s possible you qualify for a lower rate.

  • Multiple Cars – Having multiple cars on one policy can get a discount for every vehicle.
  • Government Employee Discount – Active or former government employment could qualify for a slight premium decrease for Cruze insurance with select insurance companies.
  • Life Insurance – Some car insurance companies give a discount if you purchase a life insurance policy as well.
  • First Accident Forgiveness – but companies like Geico and Liberty Mutual will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • 55 and Retired – Drivers over the age of 55 can possibly qualify for a discount up to 10% for Cruze insurance.
  • Anti-lock Brakes – Cars equipped with ABS or steering control are much safer to drive and the ABS can save up to 10%.
  • Service Members Pay Less – Being deployed in the military could be rewarded with lower prices.
  • Resident Student – College-age children who are enrolled in higher education away from home and won’t have access to an insured vehicle may qualify for this discount.
  • Accident-Free Discounts – Insureds with no claims or accidents get the best car insurance rates as compared to policyholders that have many claims.

As a disclaimer on discounts, some of the credits will not apply to all coverage premiums. Most only reduce specific coverage prices like liability and collision coverage. Even though it appears having all the discounts means you get insurance for free, companies wouldn’t make money that way.

A few of the larger companies and a partial list of their discounts can be read below.

  • Progressive offers discounts including multi-vehicle, multi-policy, online signing, good student, and homeowner.
  • Farmers Insurance may have discounts that include pay in full, multi-car, teen driver, homeowner, alternative fuel, mature driver, and business and professional.
  • Farm Bureau includes discounts for multi-policy, good student, driver training, youthful driver, safe driver, and renewal discount.
  • State Farm may include discounts for student away at school, driver’s education, accident-free, Drive Safe & Save, good driver, and passive restraint.
  • Geico may offer discounts for driver training, seat belt use, good student, defensive driver, and multi-policy.
  • SAFECO has savings for anti-theft, drive less, multi-car, bundle discounts, homeowner, anti-lock brakes, and accident prevention training.
  • Liberty Mutual discounts include hybrid vehicle, new move discount, exclusive group savings, multi-policy, and newly married.

When quoting, ask each company or agent to apply every possible discount. A few discounts might not apply in your area. To see insurance companies that offer discounts, click here to view.

Tailor your car insurance coverage to you

When buying the best car insurance coverage for your personal vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions might point out whether you would benefit from an agent’s advice.

  • Am I covered if my car is in a flood?
  • Where can I find DUI or SR-22 insurance?
  • How high should deductibles be on a 2013 Chevy Cruze?
  • Am I covered if I crash into my own garage door?
  • Am I covered when driving on a suspended license?
  • What is PIP insurance?
  • When would I need additional glass coverage?
  • Does my insurance cover my expensive audio equipment?
  • What is covered by UM/UIM coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Car insurance 101

Knowing the specifics of your policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Listed below are typical coverage types available from car insurance companies.

Protection from uninsured/underinsured drivers

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

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses like X-ray expenses, chiropractic care and nursing services. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability coverage protects you from damage that occurs to people or other property that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability can pay for claims such as court costs, emergency aid, medical expenses, loss of income and bail bonds. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Collision protection

Collision insurance covers damage to your Cruze caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a parking meter, crashing into a building and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, hitting a bird, hitting a deer and hail damage. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Make a quick buck

A few companies do not provide the ability to get quotes online and most of the time these smaller companies only sell through local independent agencies. Discount 2013 Chevy Cruze insurance can be bought on the web as well as from insurance agents, so you need to compare both to have the best rate selection.

We covered many ideas to reduce 2013 Chevy Cruze insurance prices online. The key thing to remember is the more times you quote, the better chance you’ll have of finding cheaper insurance coverage. You may be surprised to find that the best prices are with a lesser-known regional company. They can often insure niche markets at a lower cost as compared to the big name companies such as Geico and State Farm.

When trying to cut insurance costs, make sure you don’t reduce coverage to reduce premium. There have been many situations where drivers have reduced physical damage coverage and discovered at claim time they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage at the best price, not the least amount of coverage.

For more information, link through to the following helpful articles: