View 2014 Chevrolet Captiva Sport Insurance Rates

Trying to find cheaper auto insurance rates for your Chevrolet Captiva Sport? There isn’t a single person who looks forward to buying auto insurance, particularly when the cost is way too high.

Due to the large number of options, it can be challenging to locate the lowest price company.

How much is auto insurance?

All the larger auto insurance companies such as State Farm, Geico and Progressive allow consumers to get prices for coverage on their websites. This process doesn’t take much effort as you just type in the coverage amounts you desire into the quote form. Once you submit the form, their quoting system automatically retrieves your credit score and driving record and generates a price based on the data you entered. Being able to quote online makes it a lot easier to compare rates but the work required to visit many different websites and type in your information is monotonous and tiresome. Unfortunately, it is important to compare as many rates as possible in order to find a lower rate.

Compare rates the easy way

A quicker way to compare auto insurance pricing uses one simple form that analyzes rates from a bunch of companies at once. This type of form saves time, reduces the work, and makes online price comparison much simpler. As soon as you send your information, it is rated with multiple companies and you can pick any of the quotes that you receive.

If you find a better price it’s easy to complete the application and purchase the new policy. The entire process takes less than 15 minutes and can result in significant savings.

To save time and find out how much you’re overpaying now, click here to open in new window and input your coverage information. If you have a policy now, it’s recommended you enter the coverage information just like they are on your policy. This makes sure you will be getting a price comparison using the exact same coverages.

Get cheap auto insurance with discounts

Properly insuring your vehicles can get expensive, but there could be available discounts that could help you make your next renewal payment. Many of these discounts will be applied automatically at the time you complete a quote, but a few must be asked about before you will receive the discount. If they aren’t giving you every credit possible, you may be paying too high a price.

No Claims – Drivers who don’t have accidents pay less in comparison with policyholders that have many claims.
Defensive Driving Course – Taking a course teaching driver safety skills could save 5% or more and easily recoup the cost of the course.
Passenger Safety Discount – Options like air bags and/or automatic seat belt systems can get savings of more than 20%.
Full Payment Discount – By making one initial payment rather than spreading payments over time you can avoid monthly service charges.
Life Insurance Discount – Select insurance companies reward you with lower prices if you buy a life policy as well.
Telematics Data – People who choose to allow companies to look at where and when they drive remotely such as Progressive’s Snapshot and State Farm’s In-Drive may get a rate reduction as long as they are good drivers.
Auto/Home Discount – When you combine your auto and home insurance and insure them with the same company you could save nearly 15% which can help you find inexpensive car insurance.
Discounts for Government Workers – Federal government employees could qualify for a slight premium decrease on Captiva Sport insurance with some auto insurance companies.
Multiple Vehicles – Insuring more than one vehicle with the same company may reduce the rate for each vehicle.

One last thing about discounts, some credits don’t apply to the entire cost. A few only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like you can get free auto insurance, nobody gets a free ride.

Popular auto insurance companies and a summarized list of policyholder discounts are included below.

Mercury Insurance may include discounts for good driver, multi-car, accident-free, age of vehicle, and good student.
Farmers Insurance offers premium reductions for switch companies, teen driver, electronic funds transfer, pay in full, distant student, and youthful driver.
Farm Bureau has discounts for good student, 55 and retired, multi-vehicle, safe driver, driver training, and renewal discount.
State Farm policyholders can earn discounts including accident-free, passive restraint, good student, Drive Safe & Save, and student away at school.
Allstate may offer discounts for anti-lock brakes, utility vehicle, premier discount, auto/life discount, anti-theft, and early signing.
Geico has savings for air bags, daytime running lights, defensive driver, multi-policy, seat belt use, good student, and membership and employees.

If you want the cheapest car insurance quotes, ask every prospective company which discounts they offer. Some of the discounts discussed earlier might not be available to policyholders in your area. To see a list of insurance companies with the best auto insurance discounts, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage for your vehicles, there is no cookie cutter policy. Every situation is different so your insurance needs to address that. These are some specific questions might point out whether or not you may require specific advice.

Does my policy pay for OEM or aftermarket parts?
Will filing a claim cost me more?
Should I rate my 2014 Chevy Captiva Sport as pleasure use or commute?
Can I pay claims out-of-pocket if I buy high deductibles?
Do I need added coverage for expensive stereo equipment?
Am I covered when delivering products for my home-based business?
Can my teen driver be rated on a liability-only vehicle?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance coverage companies in your area.

Why you might pay increased rates

Lots of factors are used when you get a price on insurance. Some factors are common sense like an MVR report, but others are less obvious such as whether you are married or your financial responsibility.Smart consumers have a good feel for some of the factors that help calculate the level of your policy premiums. If you know what controls the rates you pay, this allows you to make educated decisions that could result in lower premium levels.

The list below includes just a few of the factors that factor into premiums.

Tough vocation may mean higher prices – Jobs like doctorsair traffic controllers and miners tend to pay higher rates than average in part from high stress and long work hours. On the flip side, jobs such as professors, engineers and performers get better rates on Captiva Sport insurance.
Keep the miles off and save – The more you drive your Chevy every year the more you’ll pay to insure it. Most insurance companies apply a rate based on how the vehicle is used. Vehicles that do not get driven very much receive better premium rates compared to those used for work or business. Improper usage on your Captiva Sport is just wasting money. Double check that your insurance policy shows the correct usage.
Liability is cheap – A critical coverage on your policy, liability insurance is the coverage that protects you when you are determined to be liable for physical damage or personal injury to other. It provides legal defense to defend your case. This coverage is relatively inexpensive compared to comp and collision, so buy as much as you can afford.
With age comes lower prices – Drivers with little experience have a tendency to be careless and easily distracted in a vehicle so insurance rates are higher. Parents adding a youthful driver onto your insurance can be very expensive. Older drivers are proven to be safer behind the wheel, tend to cause fewer accidents and tend to be get fewer driving tickets.
Bad drivers pay high costs – Drivers who don’t get tickets receive lower rates than their less careful counterparts. Having just one ticket can bump up the cost to the point where it’s not affordable. Drivers who have received severe violations like hit and run, DWI or reckless driving convictions may face state-mandated requirements to complete a SR-22 with the DMV in their state in order to legally drive a vehicle.
Only buy coverage you need – There are many extra add-on coverages that you can buy when buying insurance. Coverages for personal injury protection, accident forgiveness, and motor club memberships are examples of these. These coverages may sound good when deciding what coverages you need, but if you have no use for them remove them from your policy.

Car insurance 101

Learning about specific coverages of your insurance policy can help you determine the right coverages and the correct deductibles and limits. Insurance terms can be confusing and reading a policy is terribly boring. Shown next are the normal coverages found on the average insurance policy.

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like a tree branch falling on your vehicle, rock chips in glass, damage from flooding and hitting a bird. The maximum amount a insurance company will pay at claim time 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.

Coverage for collisions

This covers damage to your Captiva Sport caused by collision 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 things such as hitting a parking meter, colliding with a tree, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to increase the deductible to save money on collision insurance.

Liability insurance

This will cover injuries or damage you cause to other’s property or people by causing an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that means you have 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. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for claims like structural damage, emergency aid and repair costs for stationary objects. How much coverage you buy is your choice, but you should buy as high a limit as you can afford.

Coverage for medical payments

Med pay and PIP coverage reimburse you for bills for surgery, pain medications, dental work and ambulance fees. They are often used to fill the gap from your health insurance program or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family and damage to your Chevy Captiva Sport.

Since many drivers 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 important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Smart consumers save more

Discount 2014 Chevy Captiva Sport insurance is attainable online and also from your neighborhood agents, so you need to shop car insurance with both to have the best chance of lowering rates. Some insurance companies may not provide price quotes online and most of the time these regional insurance providers only sell coverage through independent agents.

When buying insurance coverage, don’t be tempted to sacrifice coverage to reduce premiums. In too many instances, drivers have reduced collision coverage only to find out they didn’t have enough coverage. Your focus should be to purchase a proper amount of coverage at a price you can afford, but do not sacrifice coverage to save money.