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Chevrolet Cruze Insurance Rates

Comparing auto insurance by quoting online can be fast and easy and at the same time you might just save a little. The most important part is to compare as many rate quotes as possible so you can compare the cheapest rate quotes.

If you've never shopped for auto insurance online, it's easy to be confused by the hoards of auto insurance companies vying for your business. Finding lower Cruze insurance cost is a fairly straight forward process. You just have to spend a little time to get quotes provided by online insurance companies. This can be done by visiting this page.

Which factors influence the rate you pay?

Auto insurance rates for a Chevrolet Cruze will vary greatly depending on several factors. Taken into consideration are:

  • A clean driving record keeps rates low
  • Your credit history
  • Male drivers pay higher rates
  • Higher deductibles save money
  • Your vehicle's safety rating
  • Claims drive up premiums
  • Having continuous coverage saves you money
  • Whether you rent or own your home

A final factor that can impact Cruze insurance rates is the model year. A newer vehicle have a higher value in comparison to later models so the cost to replace them will push premiums up. Although new Chevrolet models may have a trim level with safety features included like tire pressure monitors, sideview assist mirrors, lane departure warning system, and adaptive cruise control so those may provide discounts that lower premiums.

To get a better understanding how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability coverages - This coverage provides protection from damages or injuries you inflict on other people or property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. Coverage is generally pretty cheap so consider buying as much as you can afford.

Collision coverage - This coverage pays to fix your vehicle from damage caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in. Cruze collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper Cruze insurance rates.

Comprehensive coverages - Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by your Chevrolet Cruze comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage - This gives you protection from other motorists when they either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Coverage for medical payments - Medical payments and Personal Injury Protection insurance pay for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Personal Injury Protection is not universally available but can be used in place of medical payments coverage.

How Much are Chevrolet Cruze Insurance Rates?