Cheaper 2015 Chevrolet Volt Insurance Quotes

Trying to find cheaper insurance for a new or used Chevy Volt can turn out to be a painful process, but you can follow a few tricks to save time.

There is a right way and a wrong way to find auto insurance online and you need to know the quickest way to quote coverages for a new or used Chevy and locate the cheapest rates.

You should take the time to compare rates at least once a year because auto insurance prices change regularly. Even if you think you had the best rates on Volt insurance at your last renewal there may be better deals available now. There is a lot of bad advice regarding auto insurance on the internet, but we’re going to give you some of the best ways to lower your auto insurance premiums.

Finding the lowest cost insurance is not that difficult. If you have a current insurance policy or are just looking to switch companies, you can use this information to get lower rates while maintaining coverages. Vehicle owners just need to understand how to get comparison quotes on the web.

Shop auto insurance online

Finding a better price on auto insurance doesn’t have to be difficult. Consumers just need to invest a little time comparing free insurance quotes online with multiple companies. You can get a good selection of rate quotes in several different ways.

If you don’t have a lot of time, the easiest way to find low rates is an all-inclusive rate comparison (click to open form in new window). This form keeps you from doing separate quotation requests for each company you want a rate for. Completing one form gets insurance cost estimates from several companies.It’s the quickest way to get rates.

A more difficult way to analyze rates requires a visit to the website of each company to complete their respective quote request forms. For instance, we’ll pretend you are doing a rate comparison from Geico, Liberty Mutual and Travelers. To find out each rate you need to spend time going to each site individually to enter the same coverage data repeatedly, which is why first method is reommended. For a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just make darn sure you compare the same coverage information on every quote you get. If each company quotes higher or lower deductibles it will be nearly impossible to make an equal comparison.

Use discounts on insurance

Insurance is not cheap nor is it fun to buy but there are discounts available that can dramatically reduce your bill. Certain reductions will be credited when you purchase, but once in a while a discount must be requested specifically before you will receive the discount.

• Passive Restraints – Vehicles with factory air bags or automatic seat belts may get savings of 20% or more.
• Discount for New Cars – Putting coverage on a new car can cost up to 25% less since newer vehicles are generally safer.
• Pay Upfront and Save – By paying your entire bill at once rather than paying in monthly installments you can avoid the installment charge.
• Student Discounts – Maintaining excellent grades may save you up to 25%. You can use this discount normally well after school through age 25.
• Distant Student Discount – Any of your kids who attend college more than 100 miles from home and leave their car at home may be able to be covered for less.
• Anti-lock Brakes – Vehicles with anti-lock braking systems are safer to drive and earn discounts up to 10%.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn better prices if you take out some life insurance in addition to your auto policy.
• Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% on Volt insurance than less cautious drivers.
• 55 and Retired – If you’re over the age of 55, you may qualify for a small discount on rates on Volt insurance.
• Theft Deterent – Vehicles equipped with anti-theft or alarm systems have a lower chance of being stolen so companies will give you a small discount.

As a sidenote, most discount credits are not given to the entire policy premium. Most only reduce specific coverage prices like collision or personal injury protection. Despite the appearance that it’s possible to get free car insurance, it’s just not the way it works.

Large insurance companies and their offered discounts are shown below.

• State Farm includes discounts for passive restraint, good student, anti-theft, Steer Clear safe driver discount, safe vehicle, and multiple policy.
• Progressive offers discounts including good student, online signing, multi-policy, online quote discount, and homeowner.
• Travelers offers premium reductions for save driver, multi-car, new car, continuous insurance, IntelliDrive, payment discounts, and good student.
• American Family has discounts for TimeAway discount, Steer into Savings, multi-vehicle, bundled insurance, and good student.
• Liberty Mutual has savings for good student, multi-policy, new vehicle discount, new graduate, preferred payment discount, multi-car, and exclusive group savings.

If you need cheaper insurance quotes, ask every prospective company which discounts can lower your rates. Depending on the company, some discounts might not be available to policyholders in every state.

Tailor your insurance coverage to you

When choosing adequate coverage for your personal vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

For example, these questions can aid in determining whether or not you could use an agent’s help.

• Am I covered when driving a rental car?
• Is other people’s property covered if stolen from my vehicle?
• Do I get a pro-rated refund if I cancel my policy early?
• What is the ISO rating for a 2015 Chevy Volt?
• Can my teen driver be rated on a liability-only vehicle?
• Are my tools covered if they get stolen from my vehicle?
• Am I covered when pulling a rental trailer?
• Are my friends covered when driving my car?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Insurance coverage specifics

Understanding the coverages of your policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement.

Auto liability – This coverage protects you from damage that occurs to people or other property that is your fault. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 100/300/100 that translate to a limit of $100,000 per injured person, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as legal defense fees, attorney fees, court costs and loss of income. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Collision – This pays to fix your vehicle from damage from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, rolling your car, crashing into a building, sideswiping another vehicle and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as surgery, chiropractic care and doctor visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers you and your occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive auto coverage – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as damage from flooding, hitting a bird, a broken windshield, fire damage and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Chevy Volt.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits do not exceed the liability coverage limits.