2016 Chevrolet SS Car Insurance Cost

Looking for better auto insurance rates for your Chevrolet SS? Having to pay for expensive auto insurance can drain your savings account and force you to make sacrifices. Doing a price comparison is a fast and free way to tighten up your finances.

Due to the abundance of choices of insurance companies, it’s difficult to choose a lower cost auto insurance company.

You need to do rate comparisons every six months because prices go up and down regularly. Just because you found the lowest price on SS coverage six months ago you may be paying too much now. Forget all the misinformation about auto insurance because it’s time to teach you the best methods to save money, get proper coverage and the best rates.

How to buy insurance coverage online

There are several ways to compare insurance coverage prices and some are less labor-intensive and much quicker. You could waste a few hours talking about coverages with agents in your area, or you could save time and use the web to get prices fast.

Many popular insurance companies belong to a marketplace that enables customers to submit their information once, and every company then returns a price quote based on the submitted data. This eliminates the need for quote requests for each company you want a rate for. To enter your information into the quoting system, click here to open in new window.

The only drawback to comparing rates this way is you are unable to specify which companies you want pricing from. So if you prefer to pick from a list of companies to compare, we put together a list of companies who write insurance coverage in your area. View list of insurance companies.

Take whichever approach you prefer, but try to use nearly identical coverages for every company. If you compare different deductibles then you won’t be able to make a fair comparison for your Chevy SS.

You may qualify for discounts

Car insurance companies don’t list every available discount very well, so the following list contains some of the more common in addition to some of the lesser obvious discounts that you may qualify for.

  • Distant College Student Discount – Any of your kids who live away from home to go to college without a vehicle on campus may be insured at a cheaper rate.
  • Theft Prevention System – Cars, trucks, and SUVs with anti-theft systems have a lower chance of being stolen and will save you 10% or more.
  • Telematics Data Discounts – Insureds who allow their company to spy on driving habits by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease as long as they are good drivers.
  • Life Insurance – Some insurance coverage companies give better rates if you take out a life policy as well.
  • Military Rewards – Being on active deployment in the military may qualify for rate reductions.

You should keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only reduce specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like you would end up receiving a 100% discount, it just doesn’t work that way.

Popular insurance coverage companies and some of their more popular discounts are:

  • Esurance may have discounts that include paid-in-full, Pac-12 alumni, renters, online shopper, good student, defensive driver, and emergency road assistance.
  • The Hartford has discounts for defensive driver, good student, vehicle fuel type, bundle, and driver training.
  • AAA policyholders can earn discounts including good student, multi-car, pay-in-full, education and occupation, AAA membership discount, anti-theft, and good driver.
  • Geico discounts include federal employee, five-year accident-free, defensive driver, air bags, seat belt use, anti-theft, and driver training.
  • State Farm may offer discounts for Drive Safe & Save, driver’s education, defensive driving training, passive restraint, anti-theft, multiple autos, and accident-free.

When getting a coverage quote, ask all the companies what discounts are available to you. Discounts may not apply to policyholders in your area. If you would like to see a list of insurance companies offering insurance coverage discounts, click here.

What affects Chevy SS insurance costs?

Many different elements are used when premium rates are determined. Some of the criteria are obvious such as traffic violations, although others are less obvious such as your marital status or your vehicle rating.The best way to find cheaper auto insurance is to take a look at the different types of things that are used to determine the level of your policy premiums. When you understand what determines premiums, this empowers consumers to make smart changes that could help you find lower premium levels.

  • Safer vehicles cost less to insure – Cars with five star safety ratings tend to have better insurance rates. The safest vehicles reduce injuries and reduced instances of injuries translates into fewer and smaller insurance claims and cheaper rates on your policy. If your Chevy SS earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website it may be receiving lower rates.
  • Defend yourself with liability – Your auto insurance policy’s liability coverage will provide protection if you are ruled to be at fault for causing personal injury or damage in an accident. It provides you with a defense in court which can cost a lot. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not skimp.
  • Auto insurance rates can be impacted by your occupation – Did you know that where you work can have an impact on rates? Careers like doctorsair traffic controllers and emergency personnel tend to have the highest rates attributed to intense work-related stress and lengthy work days. On the flip side, occupations like professors, engineers and the unemployed have the lowest average rates on SS coverage.
  • Lower prices with theft deterrents – Selecting a car model with advanced anti-theft systems can help bring down rates. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder car theft and help bring rates down.
  • Gender is a factor – Statistics have proven that females tend to be a little less risky than males. That doesn’t necessarily mean that men are worse drivers. Women and men are in at-fault accidents at about the same rate, but the males get into accidents with more damage. Not only are claims higher, but men receive more major tickets like reckless driving and DUI. Youthful male drivers have the highest risk to insure and thus pay the highest rates.
  • Always keep your auto insurance policy in force – Having a gap between insurance policy dates is a sure-fire way to drive up your policy premiums. Not only will you pay higher rates, failure to provide proof of insurance could earn you a license revocation or jail time. You could then be forced to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Keep the miles off and save – The more you drive annually the more you will pay for auto insurance. Many insurance companies calculate rates based upon how you use the vehicle. Cars that are left in the garage receive better premium rates than those used for commuting. Ask your agent if your auto insurance policy is rated on the correct usage for each vehicle, because improper ratings can cost you money. Improper usage on your SS is just wasting money.
  • Discounts for married drivers – Having a significant other can get you a discount on your policy. Marriage usually means you are more stable financially and insurance companies like that drivers who are married are more cautious.

There’s no such thing as the perfect insurance policy

When buying coverage, there really is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that might help in determining whether or not you will benefit from professional help.

  • What can I do if my company denied a claim?
  • Does insurance cover damages from a DUI accident?
  • When should I drop full coverage on my 2016 Chevy SS?
  • Am I covered when driving in Canada or Mexico?
  • Do I need to file an SR-22 for a DUI in my state?
  • Should I get collision insurance on every vehicle?
  • Does my car insurance cover rental cars?
  • Are all vehicle passengers covered by medical payments coverage?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and can provide invaluable advice.

Insurance coverages 101

Knowing the specifics of a insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types offered by insurance companies.

Collision coverages – This will pay to fix damage to your SS resulting from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like hitting a mailbox, backing into a parked car, scraping a guard rail and crashing into a ditch. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM) – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Chevy SS.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these limits are identical to your policy’s liability coverage.

Comprehensive insurance – This coverage will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as rock chips in glass, hail damage, hitting a bird and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages – This can cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like bail bonds, court costs, funeral expenses, loss of income and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as much as you can afford.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like rehabilitation expenses, surgery, EMT expenses and funeral costs. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Have money to burn

We just covered a lot of tips how to save on 2016 Chevy SS insurance. The key thing to remember is the more rate comparisons you have, the better chance you’ll have of finding the cheapest insurance coverage. You may be surprised to find that the best rates are with some of the smallest insurance companies. They may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as Geico and State Farm.

When trying to cut insurance costs, you should never skimp on coverage in order to save money. There are many occasions where drivers have reduced collision coverage only to find out they didn’t have enough coverage. Your strategy should be to find the BEST coverage for the lowest cost while still protecting your assets.

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