Save on 2006 Chevrolet SSR Insurance Quotes

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.

How insurers calculate Chevy SSR 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.

• Rural vs Urban Areas – Choosing to live in a rural area can be a good thing when trying to find low car insurance rates. Residents of big cities tend to have more traffic problems and longer commute times. Less people living in that area means fewer accidents and a lower car theft rate.
• Accidents will cost you – Being a careful driver has a big impact on rates. Only having one citation may cause rates to rise by as much as twenty percent. Drivers who don’t get tickets pay lower auto insurance prices as compared to those with violations. People who have serious violations such as reckless driving or DUI are required to submit a SR-22 form with their state’s department of motor vehicles in order to drive a vehicle legally.
• Experienced drivers are lower risk – Mature drivers are viewed as being more responsible, statistically cause fewer accidents and tend to be get fewer driving tickets.Drivers with little experience have a tendency to be easily distracted in a vehicle so insurance coverage rates are higher.
• Optional features that cut premiums – Choosing to buy a car with an alarm system can get you a discount on your insurance coverage. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping auto theft and help lower rates.
• Small claims can cost you – Insurance companies provide the lowest premiums to drivers that do not abuse their auto insurance. If you file a lot of claims you can pretty much guarantee much higher rates or policy non-renewal. Auto insurance is intended to be relied upon for more catestrophic claims.
• No insurance coverage policy gaps is important – Having a lapse in insurance coverage will be a sure-fire way to pay more for insurance coverage. In addition to paying higher rates, not being able to provide proof of insurance might get you a license revocation or jail time. You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
• Improve your credit rating and save – An insured’s credit score can be a huge factor in your rate calculation. People that have high credit scores tend to file fewer claims and have better driving records as compared to drivers with poor credit scores. So if your credit is not that good, you could pay less to insure your 2006 Chevrolet SSR by repairing your credit.

Find discounts to get cheap insurance coverage quotes

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.

• Student in College – Youth drivers who live away from home at college and won’t have access to an insured vehicle may be insured at a cheaper rate.
• Student Discount for Driver Training – Cut your cost by having your teen driver enroll in driver’s education as it will make them better drivers and lower rates.
• Early Renewal Discounts – A few insurance coverage companies offer discounts for switching companies prior to the expiration date on your current policy. This can save 10% or more.
• Buy New and Save – Adding a new car to your policy can save up to 30% because newer vehicles have to meet stringent safety requirements.
• Discounts for Cautious Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates for SSR coverage than less cautious drivers.
• Theft Deterent System – Vehicles that have factory anti-theft systems can help prevent theft and will save you 10% or more.
• Discount for Multiple Policies – If you can combine your home and auto policy with the same insurance company they may give you a discount of over 10 percent off each policy depending on the company.
• Seat Belts Save – Drivers who always wear seat belts and also require passengers to buckle their seat belts may be able to save a few bucks off PIP or medical payments premium.
• First Accident Forgiveness – Not a discount per se, but a handful of insurance companies allow you one accident before raising your premiums if your claims history is clear for a set time period.

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.

Tailor your insurance coverage coverage to you

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.

• Does my policy cover me when driving someone else’s vehicle?
• Am I covered if hit by an uninsured driver?
• How can I find cheaper teen driver insurance?
• Do I need medical payments coverage since I have good health insurance?
• Does my insurance cover a custom paint job?
• Is my vehicle covered by my employer’s policy when using it for work?
• What is the difference between comprehensive and collision coverage?
• Do I need special endorsements for business use of my vehicle?

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.

Car insurance coverage specifics

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

Quote more, save more

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.

Other information

• Teen Driver Licensing Information (iihs.org)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Prom Night Tips for Teen Drivers (State Farm)
• Should I Buy a New or Used Car? (Allstate)
• Airbag FAQ (iihs.org)