Cheap 2014 Chevrolet SS Car Insurance Quotes

Tired of robbing Peter to pay Paul to pay insurance coverage each month? You’re in the same situation as millions of other drivers.

Because there are so many insurance coverage companies to choose from, it is hard for the average consumer to pick the best insurance coverage company.

It is always a good idea to price shop coverage at least once a year because prices are adjusted regularly by insurance companies. If you had the lowest rates for SS coverage on your last policy you can probably find a better rate quote now. Forget all the misinformation about insurance coverage because it’s time to teach you the easiest way to reduce your cost while increasing coverage.

The purpose of this article is to tell you the most effective way to quote insurance and some tips to save money. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this strategy. Nevertheless, car owners should learn the way insurance companies determine prices and use this information to your advantage.

How to find cheap insurance

When looking for cheaper insurance coverage quotes, there are a couple ways of comparing rates from companies that offer insurance in your state. The simplest method to compare Chevy SS insurance prices involves getting comparison quotes online. This is quite simple and can be completed in several different ways.

  1. The most recommended method to get quotes would be an industry-wide quote request form like this one (opens in new window). This method eliminates the need for separate quotation requests for every company. One simple form gets coverage cost estimates from many national carriers.
  2. A different way to analyze rates consists of going to the website of each company to request a price quote. For sake of this example, let’s assume you want rates from Liberty Mutual, Progressive and American Family. In order to compare rates, you need to visit each site and repeatedly type in your coverage information, which can take a lot of time. For a handy list of car insurance company links in your area, click here.

You can use whichever method you prefer to find lower rates, just try to use identical information for each quote you get. If you are comparing different liability limits it will be impossible to get a fair rate comparison. Having just a slight variation in coverage limits may cause a big price difference. Just remember that having more price comparisons helps improve the odds of finding more affordable insurance.

More affordable rates with these auto insurance discounts

Auto insurance is easily one of your largest bills, but you might find some hidden discounts that could help you make your next renewal payment. Some trigger automatically at quote time, but a few need to be specially asked for before you will receive the discount.

  • Driver’s Education for Students – Require your teen driver to take driver’s ed class as it will make them better drivers and lower rates.
  • Military Deployment Discount – Being on active duty in the military may lower your prices slightly.
  • Sign Online – Some of the larger companies may give you up to $50 just for signing your application over the internet.
  • Data Collection Discounts – Policyholders that allow their auto insurance company to scrutinize vehicle usage remotely such as Progressive’s Snapshot might see lower rates if they are good drivers.
  • Theft Prevention Discount – Cars equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and earn discounts up to 10% off your insurance coverage quote.
  • Buy New and Save – Insuring a vehicle that is new is cheaper because newer vehicles have to meet stringent safety requirements.
  • Policy Bundle Discount – When you have multiple policies and insure them both with the same insurance company you could get a discount of 10% to 20% off each policy.
  • Resident Student – Youth drivers who are enrolled in higher education away from home and do not have access to a covered vehicle could qualify for this discount.
  • No Accidents – Good drivers with no accidents get the best auto insurance rates when compared to drivers who are more careless.

A quick disclaimer, most credits do not apply to your bottom line cost. Most only reduce individual premiums such as comp or med pay. Even though it appears it’s possible to get free car insurance, you won’t be that lucky.

Popular auto insurance companies and some of the premium reductions they offer are shown below.

  • The Hartford has savings for air bag, driver training, defensive driver, anti-theft, vehicle fuel type, bundle, and good student.
  • American Family may have discounts that include air bags, multi-vehicle, bundled insurance, Steer into Savings, early bird, TimeAway discount, and accident-free.
  • Progressive has discounts for good student, multi-vehicle, continuous coverage, multi-policy, online signing, and online quote discount.
  • Travelers may include discounts for multi-car, multi-policy, student away at school, hybrid/electric vehicle, continuous insurance, driver training, and good student.
  • Farmers Insurance discounts include pay in full, bundle discounts, business and professional, multi-car, youthful driver, electronic funds transfer, and switch companies.
  • USAA policyholders can earn discounts including vehicle storage, safe driver, multi-vehicle, new vehicle, defensive driver, and driver training.
  • Liberty Mutual may offer discounts for good student, exclusive group savings, new graduate, newly retired, and multi-policy.

Before buying, ask all companies you are considering to apply every possible discount. A few discounts may not apply to policyholders in your area. If you would like to choose from a list of providers with discount rates, follow this link.

Components of your Chevy SS insurance costs

Lots of things are part of the equation when you get your auto insurance bill. Some of the criteria are obvious like an MVR report, but some are less apparent such as your marital status or your commute time.Consumers need to have an understanding of some of the things that play a part in calculating insurance rates. If you have a feel for what influences your rates, this enables you to make decisions that may reward you with cheaper rates.

  • Discounts for married drivers – Having a wife or husband can actually save you money on your insurance bill. It is viewed as being more responsible and statistics show being married results in fewer claims.
  • What are your deductibles? – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, is used to repair damage to your vehicle. Examples of some claims that would be covered would be colliding with a building, hail damage, and rolling your vehicle. Comprehensive and collision coverage deductibles state the amount of money the insured will be required to pay in the event of a claim. The larger the amount the insured is willing to pay, the better rate you will receive for SS coverage.
  • Mature drivers are lower risk – Older people are proven to be safer behind the wheel, cost insurance companies less in claims and get fewer tickets.Beginning drivers are statistically proven to be inattentive with other occupants in the car therefore insurance rates are much higher.
  • Don’t let your coverage lapse – Driving without insurance is a big no-no and any future policy may cost more because you let your insurance expire. And not only will insurance be more expensive, the inability to provide proof of insurance could earn you a license revocation or jail time.
  • Urban residents pay more – Being located in less populated areas can save you money when insuring your vehicles. Drivers in populated areas have to deal with more traffic problems and longer commute times. Fewer drivers means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Can a thief steal your car? – Selecting a car model with advanced anti-theft systems can help lower your rates. Theft prevention devices such as OnStar, LoJack tracking, and tamper alarms can help prevent auto theft and help lower rates.
  • Small claims can cost you – Car insurance companies award the lowest premiums to policyholders who only file infrequent claims. If you tend to file frequent claims, you can expect higher premiums or even policy non-renewal. Your insurance policy is meant to be used in the event of claims that pose a financial burden.
  • Fewer miles means better costs – The higher the miles on your Chevy in a year’s time the higher your rate. Most companies charge to insure your cars determined by how the vehicle is used. Vehicles that have low annual miles cost less to insure than cars that get driven a lot. Make sure your policy is rated on the right rating data. Incorrect rating for your SS may be costing you higher rates.

Insurance coverage can get complicated

When it comes to buying adequate coverage, there is no best way to insure your cars. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that can help discover if your situation would benefit from professional advice.

  • Is my custom paint covered by insurance?
  • Should I bundle my homeowners policy with my auto?
  • Do I have any recourse if my insurance company denies a claim?
  • Why am I required to buy liability insurance?
  • How many claims can I have before being cancelled?
  • Am I covered if I hit my neighbor’s mailbox?

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier

Auto insurance 101

Knowing the specifics of a insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.

Auto collision coverage

This covers damage to your SS resulting from colliding with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things like crashing into a building, hitting a mailbox, damaging your car on a curb, hitting a parking meter and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as damage to your 2014 Chevy SS.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages are similar to your liability insurance amounts.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like rock chips in glass, damage from a tornado or hurricane and hail damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Liability

This will cover injuries or damage you cause to other people or property in an accident. This insurance protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Alternatively, you may have a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against things such as emergency aid, bail bonds, repair bills for other people’s vehicles and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for pain medications, ambulance fees, rehabilitation expenses and surgery. They can be used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers you and your occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

In Summary

Budget-conscious 2014 Chevy SS insurance can be purchased on the web and from local insurance agents, so you need to shop insurance coverage with both to have the best rate selection. Some insurance coverage companies do not offer price quotes online and usually these regional insurance providers provide coverage only through independent agencies.

We just covered a lot of techniques to shop for 2014 Chevy SS insurance online. It’s most important to understand that the more providers you compare, the better your comparison will be. You may be surprised to find that the lowest car insurance rates are with a company that doesn’t do a lot of advertising. They often have lower premium rates on specific markets as compared to the big name companies such as Progressive or Geico.

More tips and info about insurance coverage is located at these sites: