2016 Chevrolet Cruze Insurance Cost

Getting low-cost insurance coverage might seem somewhat difficult for people who are beginners to quoting and buying their insurance coverage online. With so many insurance agents and insurance companies available, how can anyone have the ability to compare the different rates to find the lowest price available?

How to get cheap auto insurance

The are a couple different ways of comparing rate quotes from different companies. The best method to do a complete rate comparison is to jump online and get quotes. This can be accomplished in just a few minutes using one of these methods.

The best way consumers can analyze rates is to use a rate comparison form click to view form in new window. This type of form keeps you from doing separate quotes for each company you want a rate for. A single, simple form gets prices estimates from all major companies.It’s the quickest way to get rates.

A more time consuming way to get quotes online requires visiting the website of each company and fill out a new quote form. For example, let’s say you want to view quotes from State Farm, Liberty Mutual and American Family. To find out each rate you need to go to each individual site and punch in your information repeatedly, which is why the first method is quicker.

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

It’s your choice how you get your quotes, but make sure you are using apples-to-apples deductibles and coverage limits on every quote. If you have different deductibles you will not be able to determine which company has the best rates. Just slight variations in limits could mean much higher rates. And when comparing auto insurance rates, know that more quotes increases the change that you will find lower pricing. Not every company does price estimates online, so you need to compare price estimates from them, too.

Insurance companies offer many discounts

Some companies don’t necessarily list all disounts in a way that’s easy to find, so the list below details a few of the more common as well as some of the hidden discounts you could be receiving when you buy car insurance online. If they aren’t giving you every credit you deserve, you are paying more than you should be.

  • Club Memberships – Being in a professional or civic organization could qualify you for a break on your bill.
  • Multi-car Discount – Purchasing coverage when you have primary and secondary vehicles on a single policy can get a discount on all vehicles.
  • Fewer Miles Equal More Savings – Driving less can qualify you for better prices on cars that stay parked.
  • Military Rewards – Being deployed in the military may qualify for rate reductions.
  • No Accidents – Insureds who avoid accidents and claims pay less when compared with policyholders that have many claims.

As a sidenote, most of the big mark downs will not be given to your bottom line cost. A few only apply to individual premiums such as physical damage coverage or medical payments. Even though it may seem like all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Some of the larger companies that may offer policyholders these money-saving discounts include:

If you want the cheapest car insurance quotes, ask every insurance company the best way to save money. Some of the earlier mentioned discounts may not be offered in every state. To choose companies who offer discounts, click this link.

Do I just need basic coverages?

When it comes to buying adequate coverage, there really is not a best way to insure your cars. Each situation is unique.

Here are some questions about coverages that may help highlight if you might need professional guidance.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Do I really need UM/UIM coverage?
  • Does my car insurance cover rental cars?
  • Do I need an umbrella policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is my cargo covered for damage or theft?
  • Is other people’s property covered if stolen from my vehicle?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I need PIP (personal injury protection) coverage in my state?
  • What companies insure drivers after a DUI or DWI?

If you can’t answer these questions, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form.

Auto insurance 101

Having a good grasp of a insurance policy helps when choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Comprehensive protection – Comprehensive insurance covers 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 pays for claims like a tree branch falling on your vehicle, hail damage, hitting a bird and rock chips in glass. 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 it’s probably time to drop comprehensive insurance.

Collision – This pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like backing into a parked car, sustaining damage from a pot hole and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to get cheaper collision coverage.

Liability auto insurance – Liability insurance protects you from damage that occurs to other people or property in an accident. It protects YOU from legal claims by others, and does not provide coverage for 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 values of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability insurance covers claims such as pain and suffering, repair costs for stationary objects, funeral expenses, loss of income and structural damage. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Uninsured or underinsured coverage – Your UM/UIM coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like rehabilitation expenses, prosthetic devices and funeral costs. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay