Compare 2017 Chevrolet SS Insurance Cost

Looking for lower auto insurance rates for your Chevrolet SS? Finding low-cost insurance for a new or used Chevy SS can be a lot of work, but you can follow these tips to find lower rates. There is a right way and a wrong way to compare auto insurance rates and we’ll show you the best way to compare rates for a Chevy and locate the best price possible.

More discounts mean cheaper premiums

Some companies don’t always list every discount they offer in an easy-to-find place, so we break down both the well known and also the lesser-known auto insurance savings.

  • Low Mileage Discounts – Keeping the miles down on your Chevy could be rewarded with slightly better rates than normal.
  • New Vehicle Savings – Buying a new car instead of a used car may earn a small discount due to better safety requirements for newer vehicles.
  • Save with More Vehicles Insured – Buying insurance for multiple cars with the same company can reduce the rates for all insured vehicles.
  • Passive Restraints – Factory options such as air bags or motorized seat belts can receive discounts of 20% or more.
  • Theft Deterent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are less likely to be stolen and can earn a small discount on your policy.
  • Telematics Discount – Insureds that choose to allow driving data submission to track where and when they drive by using a small device installed in their vehicle such as State Farm’s In-Drive might see lower rates if they have good driving habits.

Policy discounts save money, but most of the big mark downs will not be given to all coverage premiums. Most only reduce the price of certain insurance coverages like comp or med pay. Even though it appears you can get free auto insurance, auto insurance companies aren’t that generous. Any qualifying discounts will positively reduce the amount you pay for coverage.

If you would like to choose from a list of insurers that offer the discounts shown above, follow this link.

Ways to get auto insurance quotes

Most larger insurance companies make it easy to get price estimates directly from their websites. The process is fairly straightforward as you just type in the amount of coverage you want as detailed in the form. Upon sending the form, the company’s rating system pulls information on your driving record and credit history and quotes a price.

Online quotes simplifies rate comparisons, but the process of having to visit a lot of sites and fill out multiple forms can be a bit tiresome and repetitive. But it’s very important to get many rate quotes if you are searching for the lowest auto insurance rates.

Online rates the easy way

A more efficient way to locate the lowest prices utilizes a single form to get prices from more than one company. It saves time, eliminates form submissions, and makes quoting online a lot less work. After sending the form, it is quoted with multiple companies and you can pick any or none of the quotes returned. If a lower price is quoted, it’s easy to complete the application and purchase the new policy. The entire process can be completed in a matter of minutes and could lower your rates considerably.

If you want to use this form to compare rates, simply click here to open in new window and complete the simple form. If you have coverage now, it’s recommended you type in the coverage information just like they are on your policy. This makes sure you will receive a fair comparison for similar insurance coverage.

It’s not one size fits all

When buying the best car insurance coverage for your personal vehicles, there isn’t really a one size fits all plan. Your needs are not the same as everyone else’s.

For example, these questions might help in determining if your situation might need professional guidance.

  • What happens if I owe more than my 2017 Chevy SS is worth?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my babysitter covered when using my vehicle?
  • Does my personal policy cover me when driving out-of-state?
  • Does liability extend to a camper or trailer?
  • Is my dog or cat covered if injured in an accident?
  • Do I need higher collision deductibles?

If you can’t answer these questions then you might want to talk to a licensed agent. To find an agent in your area, simply complete this short form. It’s fast, free and can provide invaluable advice.

Insurance specifics

Learning about specific coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Comprehensive insurance

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, hitting a bird, theft, a tree branch falling on your vehicle and damage from getting keyed. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Coverage for liability

Liability insurance provides protection from damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

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 policy limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like attorney fees, structural damage and pain and suffering. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for expenses for things like surgery, nursing services and chiropractic care. They are used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Collision insurance

This covers damage to your SS caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a building, colliding with a tree, colliding with another moving vehicle and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to bring the cost down.

A tidy conclusion

When shopping online for insurance coverage, never sacrifice coverage to reduce premiums. In many instances, an insured cut comprehensive coverage or liability limits and found out when filing a claim that the savings was not a smart move. Your aim should be to find the BEST coverage for the lowest price, but do not sacrifice coverage to save money.

Cheaper insurance coverage is possible both online and with local insurance agents, so you should be comparing quotes from both to have the best rate selection. Some insurance providers don’t offer the ability to get quotes online and most of the time these smaller providers only sell through local independent agencies.

People who switch companies do it for a number of reasons such as lack of trust in their agent, unfair underwriting practices, delays in responding to claim requests or even not issuing a premium refund. No matter why you want to switch, finding a great new company is less work than it seems.

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