2003 Chevrolet SSR Insurance Cost – 8 Tricks for Best Prices

Shopping for cheaper auto insurance is somewhat difficult for vehicle owners who are beginners to quoting and buying insurance over the internet. With dozens of online companies, how can you efficiently compare every auto insurance company to find the cheapest available price?

It’s a good habit to take a look at other company’s rates occasionally because prices are usually higher with each renewal. Just because you had the best rates for SSR insurance a year ago you will most likely find a better premium rate today. You’ll find a ton of advice on auto insurance online, but I’m going to show you the best ways to lower your auto insurance bill.

The cheapest insurance quotes

All the larger insurance companies like Allstate and Progressive give coverage prices directly from their websites. Getting quotes doesn’t take a lot of time as you simply enter your personal and coverage information into the quote form. After the form is submitted, their rating system collects your credit score and driving record and gives you a price quote based on the data you entered.

Online quotes makes comparing rates easy, but the time it takes to visit a lot of sites and fill out multiple forms is a big time waster. But it’s necessary to have as many quotes as possible in order to get better prices.

A less time-consuming method to find cheaper rates is to use a quote form that gets prices from multiple companies. The form is fast, reduces the work, and makes online price comparison much easier. After sending your information, your coverage is rated with multiple companies and you can pick your choice of the quotes returned.

If the quotes result in lower rates, you can click and sign and purchase coverage. The entire process just takes a couple of minutes and could lower your rates considerably.

To save time and compare rates using this form now, click here to open in new window and enter your vehicle and coverage information. If you have a policy now, it’s recommended you copy the coverage information identical to your current policy. This guarantees you are getting an apples-to-apples comparison using the exact same coverages.

When in doubt talk to an agent

When buying proper insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine whether or not you would benefit from professional advice.

• What is the difference between comprehensive and collision coverage?
• When can my company non-renew my policy?
• What is the rate difference between pleasure use and commuting?
• Does coverage extend to a rental car in a foreign country?
• Is my camper covered by my car insurance policy?
• Does insurance cover damages from a DUI accident?
• Do I need higher collision deductibles?
• What is medical payments coverage?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Car insurance 101

Understanding the coverages of your auto insurance policy can help you determine which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and coverage can change by endorsement.

Liability insurance

This coverage will cover damages or injuries you inflict on other people or property. It protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for things such as court costs, emergency aid and medical services. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries 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. This is the reason having UM/UIM coverage should not be overlooked. Usually these coverages are similar to your liability insurance amounts.

Comprehensive protection

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as damage from getting keyed, vandalism, damage from flooding and hail damage. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Auto collision coverage

This pays to fix your vehicle from damage resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like backing into a parked car, rolling your car and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Medical expense coverage

Coverage for medical payments and/or PIP provide coverage for bills for doctor visits, chiropractic care and surgery. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage