Lower Your 2015 Chevrolet SS Car Insurance Quotes

Finding low-cost insurance for a new or used Chevy SS can turn out to be a painful process, but you can learn a few tricks and make it easy. There are more efficient ways to compare insurance rates and we’ll show you the quickest way to compare rates for a new or used Chevy and locate the lowest price from both online companies and local agents.

You should make it a habit to get comparison quotes before your policy renews because prices change regularly. Even if you think you had the lowest price on SS coverage six months ago other companies may now be cheaper. Ignore everything you know about insurance because I’m going to teach you the tricks you need to know to find better rates and still maintain coverage.

How to buy insurance coverage online

Finding cheap 2015 Chevy SS insurance coverage rates can be quick and easy. You just need to invest a little time comparing rate quotes to find out which insurance company has inexpensive insurance coverage quotes. Rate comparisons can be done in several different ways.

  1. The single most time-saving way consumers can analyze rates is an all-inclusive rate comparison like this one (opens in new window). This style of form saves time by eliminating multiple quote forms for each company you want a rate for. A single, simple form gets you price quotes instantly. It’s the fastest way to compare.
  2. A slightly less efficient method to get comparison quotes requires you to visit each company website and complete a new quote form. For instance, we’ll assume you want to compare Geico, Allstate and GMAC. To get each rate you have to go to each individual site and enter your information, which can be really labor intensive.

    For a list of links to companies insuring cars in your area, click here.

The method you choose is up to you, but try to keep nearly identical coverage limits and deductibles for every quote you compare. If you use different liability limits then you won’t be able to decipher which rate is best.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage for your vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions might help in determining whether or not you might need professional guidance.

  • When can I cancel my policy?
  • Are rock chip repairs covered?
  • When would I need rental car insurance?
  • Exactly who is provided coverage by my policy?
  • Do I get a pro-rated refund if I cancel my policy early?
  • I don’t drive much so do I pay less?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Car insurance coverage information

Learning about specific coverages of your car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for bills for things like rehabilitation expenses, nursing services and funeral costs. They are used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.

Collision protection

This covers damage to your SS caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, colliding with a tree, crashing into a ditch and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive auto coverage

This pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverage

Liability insurance provides protection from injuries or damage you cause to a person or their property. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like medical expenses, emergency aid, medical services, court costs and legal defense fees. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.