Compare 2017 Chevrolet Cruze Insurance Quotes

Drivers have options when trying to find the best price on Chevy Cruze insurance. You can either spend your time driving around getting price quotes or leverage the internet to get rate quotes.

There is a better way to shop for insurance and you need to know the absolute fastest way to compare rates for a Chevy and get the lowest possible price from local insurance agents and online providers.

Do you qualify for discount auto insurance?

Auto insurance is easily one of your largest bills, but there could be significant discounts that could help you make your next renewal payment. Most are applied when you complete an application, but some need to be inquired about in order for you to get them.

  • Senior Citizen Rates – Older drivers may receive a discount up to 10% on Cruze coverage.
  • More Vehicles More Savings – Drivers who insure several vehicles with the same company can get a discount for every vehicle.
  • Discounts for New Vehicles – Buying auto insurance coverage on a new vehicle can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • Braking Control Discount – Cars and trucks that have anti-lock braking systems can reduce accidents so you can save 10 percent or more.
  • Discounts for Federal Employees – Being employed by or retired from a federal job may reduce rates when you quote insurance coverage on Cruze coverage depending on your company.
  • Sign Early and Save – Some insurance companies provide a discount for buying a new policy before your current policy expires. You could save around 10% when you buy insurance coverage online.
  • Auto/Life Discount – Some insurance companies give lower premium rates if you buy a life insurance policy as well.
  • Driver Safety – Participating in a course teaching safe driver skills may get you a small discount and make you a better driver.
  • Telematics Discount – Policyholders that allow driving data collection to look at their driving habits by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they have good driving habits.
  • Discount for Passive Restraints – Vehicles equipped with air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.

It’s important to note that some of the credits will not apply to the overall cost of the policy. Most only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like adding up those discounts means a free policy, nobody gets a free ride.

If you would like to see a list of auto insurance companies that can offer you the previously mentioned discounts, click here to view.

Five things that affect your insurance prices

Part of the car insurance buying process is learning some of the factors that help determine your car insurance rates. When you know what positively or negatively determines premiums, this allows you to make good choices that can earn you big savings. Many different elements are taken into consideration when pricing auto insurance. Some of the criteria are obvious such as traffic violations, although others are less obvious like where you live or how financially stable you are.

Shown below are some of the items used by companies to determine your rate level.

  • Better car insurance rates for continuous coverage – Letting your insurance expire is a quick way to increase your car insurance rates. Not only will rates go up, the inability to provide proof of insurance may earn you a revoked license or a big fine. You may have to file a SR-22 with your state department of motor vehicles.
  • Does insurance cost more for men? – Over the last 50 years, statistics have shown women are more cautious behind the wheel. It does not mean females are better drivers. Men and women cause accidents at about the same rate, but men get into accidents with more damage. Not only that, but men also receive more major tickets such as reckless driving. Males from age 16 to 21 have the highest risk to insure so it costs more to insure them.
  • Raise deductibles and save – The deductibles are the amount of money you are willing to pay in the event of a claim. Physical damage protection, also called ‘full coverage’, covers damage that occurs to your car. Some examples of claims that would be covered would be a windshield broken by a bird, animal collisions, and having a roll-over accident. The more the insured has to pay upfront, the less money you will pay for car insurance on Cruze coverage.
  • Higher rates for high stress occupations – Did you know that where you work can have an impact on rates? Occupations like military generals, business owners and emergency personnel tend to pay the highest rates due to high stress levels and long work days. Other jobs such as professors, students and retirees generally pay rates lower than average on Cruze coverage.
  • Where do you drive? – Driving a lot of miles in a year the higher the price you pay to insure it. The majority of insurers rate vehicles based on their usage. Cars that do not get driven very much can get a lower rate than cars that get driven a lot. It’s a good idea to make sure your policy properly reflects how each vehicle is driven, because it can save money. Improper usage on your Cruze may be wasting your money.

What insurance coverages do I need?

When buying the right insurance coverage, there really is no one size fits all plan. Everyone’s situation is a little different.

For instance, these questions might help in determining if your insurance needs might need an agent’s assistance.

  • Does my car insurance cover rental cars?
  • At what point should I drop full coverage?
  • How can I get high-risk coverage after a DUI?
  • Who is covered when they drive my 2017 Chevy Cruze?
  • Do I need rental car coverage?
  • What happens if I owe more than my 2017 Chevy Cruze is worth?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and may give you better protection.

Information about specific coverages

Learning about specific coverages of auto insurance helps when choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive (Other than Collision) – Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as fire damage, vandalism, damage from a tornado or hurricane, hail damage and a broken windshield. The highest amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance – Med pay and PIP coverage provide coverage for bills such as rehabilitation expenses, hospital visits, EMT expenses and funeral costs. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible

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

Collision coverage pays for things such as colliding with a tree, rolling your car, hitting a parking meter and crashing into a building. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Liability insurance – Liability insurance can cover damage that occurs to a person or their property by causing an accident. It protects you from claims by other people. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims like structural damage, funeral expenses, loss of income, repair bills for other people’s vehicles and medical expenses. How much liability coverage do you need? That is up to you, but buy as high a limit as you can afford.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Cruze.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Frequently these coverages are similar to your liability insurance amounts.

Save your cold hard cash

Drivers leave their current company for many reasons like not issuing a premium refund, poor customer service, delays in paying claims or even being labeled a high risk driver. No matter why you want to switch, choosing a new company is not as difficult as it may seem.

Lower-priced 2017 Chevy Cruze insurance can be sourced online as well as from independent agents, and you need to price shop both in order to have the best price selection to choose from. A few companies do not offer price quotes online and most of the time these regional insurance providers sell through independent agents.

Throughout this article, we presented some good ideas how to reduce 2017 Chevy Cruze insurance premium rates online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding the cheapest insurance coverage. You may even find the most savings is with a small local company.

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