Want cheaper auto insurance rates for your Chevrolet SSR? Nobody that owns a car looks forward to buying auto insurance, especially when they could find better prices if they shop around.
Since you have so many different company options, it’s nearly impossible to choose the right insurer.
It’s important to do rate comparisons every six months because auto insurance prices change quite often. Just because you had the best rate for SSR coverage at your last renewal you will most likely find a better premium rate today. There is a lot of wrong information about auto insurance online but in this article, you’re going to get some of the best techniques to slash your auto insurance rates.
It’s important that you understand the rating factors that come into play when calculating your insurance coverage rates. When you know what positively or negatively impacts premium levels, this allows you to make educated decisions that may reward you with much lower annual insurance costs.
Some companies do not advertise every policy discount in an easy-to-find place, so the next list breaks down a few of the more well known in addition to some of the lesser obvious credits available to you.
A little disclaimer on discounts, most discounts do not apply the the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Just because you may think all the discounts add up to a free policy, that’s just not realistic.
To view insurance coverage companies who offer discounts, click here to view.
When it comes to buying adequate coverage, there really is not a “perfect” insurance plan. Everyone’s situation is unique so your insurance needs to address that. For instance, these questions can aid in determining if your situation might need professional guidance.
If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area.
Having a good grasp of car insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Listed below are the normal coverages found on the average car insurance policy.
Comprehensive auto coverage
Comprehensive insurance coverage covers damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against claims like damage from flooding, fire damage, damage from getting keyed, damage from a tornado or hurricane and theft. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Coverage for liability
Liability coverage provides protection from damage or injury you incur to other people or property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.
Liability can pay for claims such as medical expenses, emergency aid, bail bonds and attorney fees. How much liability should you purchase? That is up to you, but buy higher limits if possible.
Collision insurance
Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like rolling your car, crashing into a ditch, crashing into a building and colliding with a tree. 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 get cheaper collision coverage.
UM/UIM (Uninsured/Underinsured Motorist) coverage
Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and also any damage incurred to your Chevy SSR.
Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.
Medical payments and PIP coverage
Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like surgery, nursing services, prosthetic devices, chiropractic care and EMT expenses. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available and may carry a deductible
There are still a few companies who may not provide price quotes online and usually these regional insurance providers provide coverage only through independent agents. Cheap 2006 Chevy SSR insurance is attainable on the web and from local agencies, and you need to price shop both to have the best rate selection.
As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. In many cases, drivers have reduced physical damage coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your objective should be to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.
Ida Quinn
Cheap is relative. I live south of Knoxville, TN. Got car insurance prices from AIG Insurance, Encompass, and Nationwide for my SSR and saved $243 a year. I get lower rates because of my clean driving record.
Lavette Owens
Corporate greed I’m telling you. From a town just southwest of Houston, TX. I quoted with Amica, Mercury, and USAA for my Chevrolet and saved around $450 a year. BTW speeding tickets are not good. I got a quote from their website.
Hugh Sutton
Cheaper not always better. I’m just south of Hilo, Hawaii. Got car insurance rates from AIG Insurance, Safeco, and Western Auto Insurance for my SSR and I’m now saving $60 a month.
Leslie Ramsey
$100 to anyone who understands their policy.
Jonelle Allison
Cheaper car insurance is a myth. From a town just southwest of Madison, WI. Quoted prices online for a 2006 Chevrolet SSR. Ended up at about $260 savings annually. Went with GEICO. Even increased coverage a bit. They were helpful in switching over.
Kelle Bonner
I live just to the east of Rapid City, SD. Quoted a bunch of companies. Saved right around $70 a month. State Farm was the cheapest for me. Even increased coverage a bit.
Lorette Eaton
Anyone know of any company in Baton Rouge, LA that will insure high risk drivers?
Mechelle Wolf
From northwest of Jacksonville, FL. Quoted a bunch of companies. Saved right around $60 a month. Progressive was the cheapest for me.
Angeline Huff
Does Allstate use ACV or replacement cost?
Ingrid Briggs
From Lincoln, Nebraska. Compared rates from a lot of places. Saved about $60 a month. Progressive was the best choice for me. Insured with Eastwood before. I’m a pretty good driver though. Just go online and compare their rates.