Cheap 2004 Chevrolet SSR Car Insurance Rates

Did you make the mistake of buying high-priced insurance? Believe me when I say you’re not alone.

Since you have so many insurance companies to choose from, it is hard for the average consumer to locate the most cost effective insurer.

It is always a good idea to price shop coverage periodically since rates trend upward over time. Even if you think you had the lowest rate on SSR coverage a few years ago a different company probably has better prices today. You can find a lot of information about insurance out there, but in a few minutes you can learn the easiest ways to lower your insurance premiums.

Get affordable auto insurance rates with discounts

Car insurance is not cheap, but there could be significant discounts to help bring down the price. Certain discounts will be applied at the time of quoting, but a few need to be manually applied before they will apply. If you do not double check each discount possible, you are not getting the best rate possible.

• Paperless Signup – Some of the larger companies provide a small discount for buying your policy on their website.
• Onboard Data Collection – Policyholders that allow driving data submission to analyze when and where they use their vehicle remotely such as Snapshot from Progressive or Drivewise from Allstate could save a few bucks if they have good driving habits.
• Defensive Driver Discounts – Passing a safe driver class can save you 5% or more and easily recoup the cost of the course.
• Military Deployment Discount – Being deployed in the military may qualify for rate reductions.
• Discounts for New Vehicles – Buying insurance coverage on a new vehicle may earn a small discount because newer models have to meet stringent safety requirements.
• Club Memberships – Joining a qualifying organization can get you a small discount when getting a car insurance quote.
• Include Life Insurance and Save – Larger companies have a small discount if you purchase auto and life insurance together.

Consumers should know that most of the big mark downs will not be given to the entire cost. Most cut specific coverage prices like liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, it’s just not the way it works.

To see companies that can offer you the previously mentioned discounts, click this link.

Lower the price of insurance with these tips

Consumers need to have an understanding of the factors that go into determining your insurance rates. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that will entitle you to big savings. Many factors are part of the calculation when you get your auto insurance bill. Some are pretty understandable such as your driving history, although some other factors are not quite as obvious like your continuous coverage or your vehicle rating.

• Remove unneeded extra coverages – There are quite a few extra coverages that you can get tricked into buying if you aren’t diligent. Insurance for roadside assistance, death and dismemberment, and extra equipment coverage may not be needed and are just wasting money. They may sound like good ideas when discussing your needs, but your money might be better spent on other coverage so remove them and pocket the money.
• Does your employer cost you more? – Jobs like military generalsair traffic controllers and stock brokers tend to have higher rates than the rest of us due to intense work situations and incredibly demanding work hours. Other jobs such as actors, engineers and retirees have the lowest average rates on SSR coverage.
• Big city or small town – Being located in small towns and rural areas has it’s advantages when talking about insurance. Fewer drivers on the road corresponds to lower accident rates and a lower car theft rate. Drivers in populated areas regularly have more traffic problems and more time behind the wheel. More time commuting statistically corresponds to a higher accident and claim rate.
• Safety first – Vehicles with high crash test scores get lower rates. Safe vehicles reduce the chance of injuries and reduced instances of injuries translates into savings for insurance companies passed on to you as lower rates.
• Good credit equals lower prices – Credit score is likely to be a major factor in your rate calculation. Insureds that have excellent credit scores tend to be more responsible and file fewer claims than drivers who have lower ratings. So if your credit score is not that good, you could potentially save money when insuring your 2004 Chevrolet SSR by improving your rating.
• Cautious drivers pay better costs – Only having one speeding ticket or other violation can increase rates twenty percent or more. Careful drivers pay lower auto insurance prices as compared to those with violations. Drivers who get flagrant citations like DWI, reckless driving or hit and run convictions may be required to maintain a SR-22 with the DMV in their state in order to legally drive a vehicle.
• Always have insurance – Driving without insurance coverage in place is a big no-no and your next policy will cost more because you let your coverage cancel without a new policy in place. In addition to paying higher rates, getting caught without coverage can result in a license revocation or jail time.
• Insurance companies don’t like frequent policy claims – Insurance companies generally give discounts to insureds who file claims infrequently. If you tend to file frequent claims, you can definitely plan on increased rates or even have your policy non-renewed. Auto insurance is intended to be relied upon for the large, substantial claims.

Tailor your insurance coverage coverage to you

When buying coverage, there is no single plan that fits everyone. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that might help in determining whether your personal situation might need an agent’s assistance.

• What is the difference between comprehensive and collision coverage?
• Am I covered if I hit my neighbor’s mailbox?
• Why am I be forced to buy a membership to get insurance from some companies?
• How much liability insurance is required?
• Are all vehicle passengers covered by medical payments coverage?
• When can I cancel my policy?

If you don’t know the answers to these questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of insurance coverage companies in your area.

Specific coverage details

Knowing the specifics of car insurance can be of help when determining the best coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement. Listed below are the usual coverages offered by car insurance companies.

Comprehensive or Other Than Collision – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like damage from a tornado or hurricane, rock chips in glass, hail damage and a tree branch falling on your vehicle. The highest amount your car insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like hitting a parking meter, backing into a parked car, driving through your garage door and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for expenses for EMT expenses, rehabilitation expenses and dental work. The coverages can be utilized in addition to your health insurance policy or if you do not have health coverage. They cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2004 Chevy SSR.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Liability coverage – Liability insurance can cover damage or injury you incur to a person or their property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things like repair bills for other people’s vehicles, loss of income and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Shop. Compare. Save.

While you’re price shopping online, you should never reduce needed coverages to save money. There are many occasions where an insured dropped liability coverage limits only to regret that the few dollars in savings costed them thousands. The goal is to get the best coverage possible at a price you can afford, but do not sacrifice coverage to save money.

Some car insurance companies may not have online quoting and these smaller providers only sell through independent agents. Lower-priced car insurance can be bought from both online companies as well as from insurance agents, and you need to comparison shop both in order to have the best price selection to choose from.

Additional car insurance information is available at the links below

• Prepare your Teens for Safe Driving (InsureUonline.org)
• Event Data Recorders FAQ (iihs.org)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• A Tree Fell on Your Car: Now What? (Allstate)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)