2009 Chevrolet Cobalt Insurance Quotes – 6 Ideas for Best Rates

Trying to find lower car insurance rates for your Chevrolet Cobalt? Do you get frustrated by the number of car insurance sources available to you? You’re not alone. Vehicle owners have such a vast assortment of sources available that it can easily become a real challenge to compare car insurance rates.

It’s a great practice to check car insurance prices occasionally because car insurance prices go up and down regularly. If you had the lowest rates for Cobalt insurance two years ago the chances are good that you can find a lower premium rate today. There is lot of inaccurate information about car insurance on the web, but we’re going to give you some tested techniques to lower your car insurance bill.

Save money by taking advantage of these six discounts

Not many people think insurance is cheap, but you might find some hidden discounts that many people don’t even know exist. Larger premium reductions will be automatically applied when you purchase, but a few need to be specially asked for before you get the savings.

• Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them sucessfully take a drivers education course in high school.
• Low Mileage – Fewer annual miles on your Chevy can qualify you for cheaper prices.
• Distant Student Discount – Older children living away from home attending college and do not take a car to college can receive lower rates.
• Early Payment Discounts – By paying your policy upfront instead of paying each month you can actually save on your bill.
• E-sign – Some of the larger companies will give a small break simply for signing digitally online.
• Driver Safety – Taking time to complete a defensive driving course can save you 5% or more and also improve your driving technique.

As a sidenote, most credits do not apply to the entire cost. Most only reduce the price of certain insurance coverages like medical payments or collision. So even though you would think you could get a free auto insurance policy, it doesn’t quite work that way.

Popular auto insurance companies and some of their more popular discounts include:

• Geico offers premium reductions for daytime running lights, seat belt use, federal employee, air bags, defensive driver, and multi-vehicle.
• MetLife offers discounts including good driver, multi-policy, defensive driver, accident-free, good student, claim-free
• Progressive has savings for multi-vehicle, multi-policy, good student, homeowner, online quote discount, continuous coverage, and online signing.
• Travelers has discounts for driver training, student away at school, continuous insurance, home ownership, early quote, payment discounts, and IntelliDrive.
• SAFECO includes discounts for bundle discounts, accident prevention training, anti-lock brakes, safe driver, teen safety rewards, homeowner, and multi-car.
• AAA may have discounts that include good driver, AAA membership discount, education and occupation, pay-in-full, and multi-car.

If you need cheap insurance coverage quotes, ask each company or agent to give you their best rates. Discounts may not be offered in your area. To locate insurance companies with discount auto insurance rates, click here.

How much insurance coverage do I need?

When it comes to choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

Here are some questions about coverages that might point out whether your personal situation might need an agent’s assistance.

• Do I need roadside assistance coverage?
• Am I covered when delivering products for my home-based business?
• Am I covered if my car is in a flood?
• Am I covered if I crash into my own garage door?
• Is there coverage for injuries to my pets?
• Does coverage extend to a rental car in a foreign country?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Will I lose any money if I cancel my policy before it expires?
• Does my 2009 Chevy Cobalt need full coverage?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form.

Insurance coverages explained

Knowing the specifics of insurance aids in choosing the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for bills like rehabilitation expenses, hospital visits, ambulance fees and dental work. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive insurance

This pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, rock chips in glass and a broken windshield. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Collision insurance

Collision coverage covers damage to your Cobalt resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like colliding with a tree, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Liability insurance

Liability coverage protects you from damage that occurs to a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things such as medical services, loss of income, legal defense fees, emergency aid and pain and suffering. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these coverages are set the same as your liablity limits.

The bottom line

In this article, we covered a lot of ways to shop for 2009 Chevy Cobalt insurance online. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers may even find the best price on auto insurance is with a smaller regional carrier.

Cheaper auto insurance is possible on the web and with local insurance agents, so you need to shop insurance coverage with both to have the best selection. Some companies may not have online price quotes and these regional carriers work with independent insurance agents.

Insureds change insurance companies for many reasons like poor customer service, high rates after DUI convictions, questionable increases in premium or not issuing a premium refund. It doesn’t matter why you want to switch switching auto insurance companies is pretty easy and you might even save some money in the process.

For more information, link through to the following helpful articles:

• Bodily Injury Coverage (Liberty Mutual)
• Keeping Children Safe in Crashes Video (iihs.org)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)