Lower Your 2011 Chevrolet Cruze Insurance Quotes

Trying to find the cheapest insurance coverage rates? Buyers have options when searching for affordable Chevy Cruze insurance. You can either waste hours struggling with agents to compare prices or leverage the internet to find the lowest rates. There is a better way to find insurance coverage online so we’re going to tell you the best way to price shop coverage for your Chevy and get the cheapest rates from local insurance agents and online providers.

You should take the time to get comparison quotes yearly since insurance prices are constantly changing. Just because you had the lowest rates on Cruze insurance a year ago a different company probably has better premium rates today. You’ll find quite a bit of inaccurate information about insurance coverage on the internet, but you can learn some great ways to stop overpaying for insurance.

If you are insured now or are looking for a new policy, you can follow these tips to shop for the lowest rates and still get good coverage. This article will help you learn how to effectively get price quotes and some tricks to saving. Drivers just need to learn the tricks to shop their coverage around online.

Compare insurance coverage quotes

Reducing your 2011 Chevy Cruze insurance rates is not rocket science. All you need to do is spend a little time comparing rates to discover which company has inexpensive car insurance quotes. Shoppers can get rates by following the guidelines below.

The easiest and least time consuming way to get quotes would be an industry-wide quote request form click to view form in new window. This form keeps you from doing repetitive form submissions for each company. A single, simple form gets insurance cost estimates from all major companies. It’s definitely the quickest method.

A different way to find better pricing is spending the time to visit the website for every company you want to comare and repeat the quote process. For examples sake, we’ll pretend you want to see prices from Progressive, State Farm and GMAC. In order to get each rate, you would have to spend time going to each site individually to enter your coverage information, which is not fast way to get rate quotes.

For a list of links to companies insuring cars in your area, click here.

It’s up to you which method you use, but be sure you’re using apples-to-apples coverage limits and deductibles on every price quote you get. If you have different deductibles it will be nearly impossible to decipher which rate is best.

Auto insurance policy discounts you can’t miss

Companies offering auto insurance don’t list all possible discounts very clearly, so the list below contains a few of the more common as well as the least known credits available to you.

• Air Bag Discount – Options like air bags and/or automatic seat belt systems can get savings of more than 20%.
• Discounts for Responsible Drivers – Safe drivers can pay as much as 50% less on Cruze insurance than drivers with accident claims.
• Discounts for New Vehicles – Insuring a new car is cheaper because newer models keep occupants safer.
• Driver Safety – Participating in a defensive driving course could possibly earn you a 5% discount and also improve your driving technique.
• Policy Bundle Discount – If you combine your auto and home policies and insure them both with the same insurance company you may earn over 10 percent off each policy depending on the company.
• Waiver for an Accident – but some insurance companies will let one accident slide before hitting you with a surcharge if you are claim-free for a certain period of time.
• Active Military Service – Having an actively deployed family member could qualify you for better premium rates.
• Discount for Swiching Early – A few insurance companies offer discounts for switching policies before your current expiration date. It can save you around 10%.
• Paperless Signup – A few insurance companies will discount your bill up to fifty bucks for buying your policy on their website.
• Theft Deterent – Vehicles that have factory alarm systems and tracking devices are stolen with less frequency and will save you 10% or more.

We need to note that many deductions do not apply to all coverage premiums. Most only apply to individual premiums such as liability and collision coverage. Even though it appears all those discounts means the company will pay you, it’s just not the way it works.

A few of the larger companies and their possible discounts can be read below.

• 21st Century may offer discounts for student driver, anti-lock brakes, defensive driver, theft prevention, air bags, and good student.
• Progressive offers premium reductions for online signing, continuous coverage, good student, homeowner, multi-policy, multi-vehicle, and online quote discount.
• State Farm discounts include student away at school, multiple autos, good driver, good student, anti-theft, and passive restraint.
• Nationwide has savings for anti-theft, business or organization, multi-policy, good student, Farm Bureau membership, and family plan.
• Esurance includes discounts for multi-car, good student, defensive driver, online shopper, and good driver.
• The Hartford may include discounts for bundle, driver training, vehicle fuel type, defensive driver, air bag, and good student.

When getting free car insurance quotes, it’s a good idea to each company which discounts you may be entitled to. Savings may not be available in your area. To view providers who offer discounts, click here.

Insurance agents can help

When it comes to choosing adequate coverage, there really is no “perfect” insurance plan. Every situation is different.

Here are some questions about coverages that might help in determining if your situation might need professional guidance.

• Should I waive the damage coverage when renting a car?
• Are my friends covered when driving my car?
• Do I need replacement cost coverage?
• Why does it cost so much to insure a teen driver?
• Does my 2011 Chevy Cruze need full coverage?
• When would I need additional glass coverage?

If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverages 101

Knowing the specifics of your insurance policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like damage from getting keyed, vandalism and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for things like legal defense fees, emergency aid and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills for things like EMT expenses, prosthetic devices and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision insurance

Collision insurance covers damage to your Cruze resulting from a collision with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision can pay for things such as hitting a parking meter, damaging your car on a curb, crashing into a ditch, crashing into a building and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as damage to your 2011 Chevy Cruze.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea.