2016 Chevrolet Cruze Limited Insurance Rates – 9 Tricks for Best Quotes

Trying to find cheaper car insurance rates for your Chevrolet Cruze Limited? No one looks forward to buying car insurance, in particular when they could find better prices if they shop around.

Since drivers have many different company options, it is hard for the average consumer to pick a lower cost company.

Smart consumers take time to quote other rates yearly because car insurance prices fluctuate regularly. Just because you found the best price for Cruze Limited coverage a few years ago the chances are good that you can find a lower rate quote today. There is a lot of wrong information about car insurance on the internet, but you can learn some solid techniques on how to buy car insurance cheaper.

Pricing the lowest cost insurance is not that difficult. Essentially everyone who has to buy insurance will be able to find better rates. But vehicle owners need to have an understanding of the way insurance companies determine prices because it can help you find the best coverage.

Find discounts on insurance coverage

Auto insurance companies do not list every disount available in an easy-to-find place, so below is a list both well-publicized and the more hidden credits that you can use to lower your rates.

  • More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company can get a discount on all vehicles.
  • Discount for Low Mileage – Low annual miles may allow you to get lower insurance coveragerates due to less chance of an accident.
  • Payment Method – By paying your policy upfront as opposed to paying monthly you could save 5% or more.
  • Sign Early and Save – A few insurance coverage companies offer discounts for switching policies prior to the expiration date on your current policy. You may see this discount when you get car insurance quotes online.
  • Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education if offered at their school.
  • Good Student – This discount may save as much as 25% on a car insurance quote. This discount can apply up until you turn 25.
  • Passive Restraints and Air Bags – Cars that have air bags can receive discounts of up to 25% or more.
  • Theft Prevention Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen with less frequency and will qualify for a discount on a car insurance quote.
  • No Accidents – Insureds with no claims or accidents can earn big discounts compared to drivers with a long claim history.

Discounts lower rates, but many deductions do not apply the the whole policy. Most cut the cost of specific coverages such as comp or med pay. So even though they make it sound like you can get free auto insurance, companies don’t profit that way.

A list of insurance coverage companies and a summarized list of policyholder discounts are included below.

  • Progressive offers discounts for good student, multi-policy, online signing, continuous coverage, and homeowner.
  • Farmers Insurance may include discounts for mature driver, good student, multi-car, pay in full, and business and professional.
  • Farm Bureau has discounts for driver training, youthful driver, multi-policy, multi-vehicle, and 55 and retired.
  • State Farm offers discounts including Drive Safe & Save, anti-theft, student away at school, multiple autos, defensive driving training, and Steer Clear safe driver discount.
  • Geico may offer discounts for good student, driver training, daytime running lights, emergency military deployment, federal employee, and military active duty.
  • SAFECO offers premium reductions for anti-lock brakes, anti-theft, teen safety rewards, bundle discounts, teen safe driver, homeowner, and drive less.
  • Liberty Mutual includes discounts for exclusive group savings, good student, new graduate, teen driver discount, newly retired, new vehicle discount, and preferred payment discount.

If you are trying to find cheaper car insurance quotes, ask every prospective company which discounts you qualify for. Savings may not apply in your area.

Affordable car insurance price quotes

Effectively comparing car insurance prices can take time and effort if you don’t utilize the most efficient way. You can waste a few hours (or days) discussing policy coverages with insurance agencies in your area, or you could save time and use the web to quickly compare rates.

Most of the larger companies take part in a program where prospective buyers only type in their quote data once, and at least one company then gives them pricing determined by their information. This saves time by eliminating quote forms for every car insurance company.

To participate in this free quote system, click here (opens in new window).

The only drawback to getting quotes like this is you can’t choose which insurance companies you want to price. So if you prefer to choose from a list of companies to compare, we put together a list of the cheapest car insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make sure you are using identical coverage limits for each quote you get. If the quotes have different deductibles you will not be able to decipher which rate is best. Even a minor difference in insurance coverages or limits could skew the results. It’s important to know that obtaining a wide range of quotes increases the change that you will find more affordable rates.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage for your personal vehicles, there is no single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. For example, these questions can aid in determining whether you may require specific advice.

  • Am I covered when delivering products for my home-based business?
  • When would I need rental car insurance?
  • Is a blown tire covered by insurance?
  • How much liability coverage do I need in my state?
  • Do I need medical payments coverage since I have good health insurance?
  • When should I drop full coverage on my 2016 Chevy Cruze Limited?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Insurance specifics

Learning about specific coverages of insurance can help you determine the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. These are typical coverages offered by insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, damage from a tornado or hurricane, a tree branch falling on your vehicle, hail damage and vandalism. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Medical payments and Personal Injury Protection insurance kick in for bills like pain medications, nursing services, ambulance fees, funeral costs and dental work. The coverages can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage provides protection when other motorists do not carry enough liability coverage. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important. Normally these limits are set the same as your liablity limits.

Auto collision coverage

Collision insurance covers damage to your Cruze Limited caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like driving through your garage door, colliding with a tree, rolling your car, colliding with another moving vehicle and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. You can also increase the deductible to get cheaper collision coverage.

Liability insurance

Liability coverage provides protection from damages or injuries you inflict on other people or property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability insurance covers things like repair costs for stationary objects, medical expenses, attorney fees, medical services and funeral expenses. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Shop around and save

We covered many ideas to lower your 2016 Chevy Cruze Limited insurance car insurance rates. It’s most important to understand that the more price quotes you have, the better likelihood of getting low cost car insurance. Drivers may discover the most savings is with some of the smallest insurance companies. These smaller insurers may cover specific market segments cheaper than their larger competitors like Progressive and Geico.

Some insurance companies don’t offer online rate quotes regional carriers sell through independent insurance agents. Budget-friendly insurance coverage is definitely available online in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates.

When you buy car insurance online, it’s a bad idea to reduce coverage to reduce premium. In too many instances, an insured cut liability coverage limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage at the lowest possible cost but still have enough coverage for asset protection.

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