How Much Does 2014 Chevrolet Cruze Insurance Cost?

Wish you could get a refund on an expensive insurance policy? It’s a common feeling and many consumers feel financially strained by their insurance policy.

Since you have so many companies and agents to choose from, it can be hard to pick the lowest cost insurer.

You should make it a habit to do rate comparisons yearly due to the fact that insurance rates go up and down regularly. Even if you think you had the best premium rates for Cruze coverage at your last renewal other companies may now be cheaper. Ignore everything you know about insurance because you’re going to learn the easiest way to lower your annual insurance bill.

The quickest method to get policy rate comparisons is to realize all the major auto insurance companies actually pay money for the chance to give rate comparisons. All you need to do is give them rating details like deductibles desired, what you do for a living, driver ages, and if your license is active. That rating information gets sent immediately to many highly-rated insurers and you will receive price estimates almost instantly.

Insurance companies are expert advertisers

Companies like Progressive, Geico, Allstate and State Farm endlessly run ads on television and other media. They all seem to convey the message that you can save after switching your coverage. How does every insurance company charge you less for car insurance? Just pay attention to how they say it.

Insurance providers offer their best rates for the type of driver that is profitable for them. For instance, this type of driver could possibly be over the age of 45, has no driving citations, and has excellent credit. A customer getting a price quote who meets those qualifications may get the lowest prices and as a result will probably cut their rates substantially.

Drivers who may not quite match these stringent criteria may be forced to pay higher premiums which results in the customer not buying. The trick companies use is to say “drivers who switch” not “all people who quote” save that much when switching. That’s the way insurance companies can confidently advertise the savings. This really emphasizes why you really need to do a rate comparison at every renewal. You cannot predict which company will give you the biggest savings.

Discounts to earn cheaper insurance rates

Companies offering auto insurance don’t necessarily list every available discount in a way that’s easy to find, so below is a list a few of the more well known and also the more inconspicuous credits that you can use to lower your rates.

  • Active Service Discounts – Being on active duty in the military could mean lower rates.
  • Club Memberships – Joining qualifying employment or professional organizations is a good way to get lower rates on your bill.
  • Discounts for Multiple Vehicles – Buying insurance for more than one vehicle on one policy can get a discount on all vehicles.
  • Discount for Good Grades – Excelling in school can be rewarded with saving of up to 25%. The good student discount can last well after school through age 25.
  • Accident Waiver – This one isn’t a discount, but some companies like Liberty Mutual and Geico permit an accident before hitting you with a surcharge if you are claim-free for a specific time period.
  • No Claim Discounts – Insureds who avoid accidents and claims can save substantially when compared with accident-prone drivers.
  • Government Employee Discount – Federal government employees could provide a small rate reduction for Cruze coverage depending on your insurance provider.

Don’t be shocked that most discount credits are not given to the entire cost. Most only cut the cost of specific coverages such as liability and collision coverage. Even though the math looks like it’s possible to get free car insurance, that’s just not realistic. But any discount should help reduce the premium cost.

Car insurance companies that may offer quotes with most of these discounts include:

When quoting, ask all companies you are considering how many discounts you can get. A few discounts might not apply in your area.

Tailor your insurance coverage coverage to you

When choosing the best insurance coverage coverage for your personal vehicles, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions can aid in determining whether you may require specific advice.

  • Can my babysitter drive my car?
  • Are rental cars covered under my policy?
  • Does my insurance cover my expensive audio equipment?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Should I buy more coverage than the required minimum liability coverage?
  • Can I afford to pay high deductible claims out of pocket?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area.

Coverages available on your policy

Understanding the coverages of your auto insurance policy helps when choosing the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the usual coverages offered by auto insurance companies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Cruze.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for short-term medical expenses like doctor visits, dental work, rehabilitation expenses and pain medications. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Liability car insurance

This coverage protects you from damage that occurs to other people or property that is your fault. It protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability coverage pays for claims such as legal defense fees, repair costs for stationary objects and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision protection

This coverage covers damage to your Cruze caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as backing into a parked car, colliding with a tree, sustaining damage from a pot hole and hitting a parking meter. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance covers damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, hail damage, damage from flooding, hitting a deer and theft. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Best coverage at the best price

In this article, we covered many tips how you can shop for 2014 Chevy Cruze insurance online. The key thing to remember is the more rate comparisons you have, the higher your chance of finding low cost insurance coverage. You may even find the lowest prices are with a small mutual company. Some small companies can often insure niche markets at a lower cost compared to the large companies like Allstate, Geico and Progressive.

Budget-friendly insurance coverage can be found both online and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not offer rate quotes online and many times these small, regional companies provide coverage only through independent insurance agents.

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