2015 Chevrolet Cruze Insurance Rates – 10 Tips to Save

Trying to find better car insurance rates? Buyers have many options when searching for the lowest priced Chevy Cruze insurance. They can either spend hours struggling with agents to compare prices or utilize the internet to compare rates. There are both good and bad ways to shop for car insurance so we’re going to tell you the best way to get price quotes on a Chevy and obtain the lowest price either online or from local insurance agents.

Cheapest insurance rate quotes

Lowering your 2015 Chevy Cruze insurance rates isn’t really that difficult. The only requirement is to invest a little time getting comparison quotes to see which company has inexpensive insurance coverage quotes. It is quite easy and can be accomplished using a couple different methods.

  1. If you are pressed for time, the simplest way consumers can analyze rates is a comparison rater form click here to open form in new window. This method eliminates the need for boring form submissions to each individual insurance company. In just a few minutes this one form gets you coverage quotes instantly. This is perfect if you don’t have a lot of time.
  2. A more difficult way to get comparison quotes consists of going to the website for every company you want to comare and repeat the quote process again and again. For sake of this example, let’s say you want rates from Allstate, Safeco and Progressive. To get each rate you have to visit each site and repeatedly enter your information, which is why the first method is quicker.

    For a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but be certain you are entering identical quote data for each comparison quote. If you compare unequal deductibles or liability limits it will be nearly impossible to truly determine the lowest rate.

Get cheaper auto insurance with discounts

Some providers do not list all their discounts in an easy-to-find place, so we took the time to find both well-publicized in addition to some of the lesser obvious ways to save on auto insurance.

  • Theft Prevention System – Vehicles optioned with advanced anti-theft systems are stolen less frequently and that can save you a little bit as well.
  • Memberships – Joining certain professional organizations is a simple method to lower premiums when getting a insurance coverage quote.
  • Switch and Save Discount – A few insurance companies offer discounts for buying a policy before your current policy expires. You could save around 10% when you buy insurance coverage online.
  • Anti-lock Brakes – Cars, trucks, and SUVs equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Own a Home – Owning a home can get you a discount because of the fact that having a home requires a higher level of personal finance.
  • Discounts for Multiple Vehicles – Buying a policy with multiple vehicles with one company can get a discount for every vehicle.
  • Smart Student Discounts – This discount can save 20 to 25%. This discount can apply well after school through age 25.
  • Data Collection Discounts – Insureds who allow data collection to spy on when and where they use their vehicle by using a telematics device in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks as long as they are good drivers.
  • Low Mileage Discounts – Driving less could be rewarded with substantially lower rates.
  • Pay Now and Pay Less – By making one initial payment instead of paying each month you can avoid the installment charge.

As is typical with insurance, some credits don’t apply to the entire cost. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. Even though it appears all the discounts add up to a free policy, it doesn’t quite work that way.

A partial list of companies that have these benefits are:

If you want affordable insurance coverage quotes, ask each insurance company to give you their best rates. A few discounts may not apply to policies everywhere. To find insurance companies with the best discounts, click this link.

Tailor your car insurance coverage to you

When it comes to choosing adequate coverage, there really is no one size fits all plan. Everyone’s needs are different.

For instance, these questions may help highlight if your situation would benefit from an agent’s advice.

  • When can I cancel my policy?
  • Does my policy pay for OEM or aftermarket parts?
  • Am I covered when driving in Canada or Mexico?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need roadside assistance coverage?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Am I covered if I hit my neighbor’s mailbox?

If it’s difficult to answer those questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form. It only takes a few minutes and can provide invaluable advice.

Don’t believe everything you hear

Drivers can’t escape the ads for cheaper car insurance by 21st Century, Allstate and State Farm. They all tend to make the same promise about saving some big amount if you just switch your car insurance coverage to their company.

That’s great but how can every company give you a lower rate? It’s all in the numbers.

Companies give the best rates for the type of customer that earns them a profit. An example of this type of driver may need to be between 30 and 50, has other policies, and drives a safe vehicle. Any customer that hits that “sweet spot” will get low premium rates and as a result will probably cut their rates substantially.

People who fall outside the ideal profile may be forced to pay higher prices which translates to the customer not purchasing. The ad wording is “people who switch” not “all people who quote” save that much money. This is how companies can truthfully make the claims of big savings. This illustrates why you really need to compare as many free insurance coverage quotes as you can. It’s just not possible to know the company that will give you the biggest savings.

What insurance coverages do you need?

Having a good grasp of a insurance policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement.

Auto liability insurance

This will cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for claims such as funeral expenses, emergency aid, structural damage and medical expenses. How much coverage you buy is a personal decision, but consider buying as large an amount as possible.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses like dental work, doctor visits, rehabilitation expenses and nursing services. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. Coverage applies to both the driver and occupants and also covers being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Chevy Cruze.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Comprehensive coverages

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as fire damage, damage from a tornado or hurricane and hitting a bird. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for collisions

This coverage pays for damage to your Cruze from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like damaging your car on a curb, hitting a mailbox, crashing into a ditch, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to save money on collision insurance.

The bottom line

As you shop your coverage around, it’s not a good idea to reduce coverage to reduce premium. There have been many situations where someone sacrificed liability coverage limits only to find out that saving that couple of dollars actually costed them tens of thousands. Your aim should be to buy the best coverage you can find for the lowest price while still protecting your assets.

Drivers change insurance companies for any number of reasons including being labeled a high risk driver, denial of a claim, policy cancellation and even lack of trust in their agent. It doesn’t matter why you want to switch switching insurance companies is not as difficult as it may seem.

We just showed you some good ideas how you can reduce 2015 Chevy Cruze insurance prices online. The key thing to remember is the more rate quotes you have, the better your comparison will be. You may even discover the most savings is with the smaller companies.

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