2012 Chevrolet Captiva Sport Insurance Rates – 8 Discounts for Best Quotes

Are you tired of sacrificing to pay insurance coverage each month? Your situation is no different than many other drivers.

Due to the large number of insurance coverage companies to choose from, it’s difficult to choose the right insurance company.

This article will let you in on how to effectively get price quotes and some money-saving tips. If you are paying for car insurance now, you will be able to lower your premiums substantially using these methods. Nevertheless, vehicle owners benefit from understanding how insurance companies sell insurance online and use this information to your advantage.

How to find low cost insurance coverage

All major insurance coverage companies allow consumers to get prices directly from their websites. Comparing rates online is fairly simple as you just type in your personal and coverage information into the quote form. After the form is submitted, the company’s rating system sends out for reports for credit and driving violations and returns a price quote based on these factors. Online price quotes makes it simple to compare prices but having to visit each company’s website and repetitively enter the same data into a form is repetitive and time-consuming. But it’s also necessary to get many rate quotes if you are searching for the lowest insurance coverage rates.

A better way to find better insurance coverage pricing utilizes a single form that gets prices from more than one company. It’s a real time-saver, eliminates repetitive work, and makes online quotes much easier to do. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any or none of the quote results.

If the quotes result in lower rates, you can simply submit the application and buy the new coverage. This process just takes a couple of minutes and could lower your rates considerably.

In order to find out if lower rates are available, click here to open in new window and enter your vehicle and coverage information. If you have coverage now, it’s recommended you enter the insurance coverages exactly as shown on your declarations page. This guarantees you will have an apples-to-apples comparison using the exact same coverages.

Save with with these eight discounts

Some insurance providers don’t always list the entire discount list in a way that’s easy to find, so the list below gives a summary of some of the best known and the more hidden discounts that may be available.

• Clubs and Organizations – Belonging to qualifying clubs or civic groups may earn a discount on your bill.
• Passive Restraints – Vehicles equipped with air bags or automatic seat belts may earn rate discounts of 20 to 30 percent.
• Low Mileage Discounts – Maintaining low annual mileage can earn discounted rates on garaged vehicles.
• Switch and Save Discount – A few larger companies give discounts for switching policies prior to your current policy expiration. It can save you around 10%.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them enroll and complete driver’s education in school or through a local driver safety program.
• Anti-lock Brake System – Cars with ABS and/or traction control can stop better under adverse conditions and the ABS can save up to 10%.
• Multiple Policy Discount – If you can bundle your auto and homeowners insurance and insure them both with the same insurance company you may earn approximately 10% to 15%.
• Smart Student Discounts – Maintaining excellent grades may save as much as 25% on a insurance coverage quote. Earning this discount can benefit you up until you turn 25.

Just know that most discount credits are not given to your bottom line cost. Most only cut the cost of specific coverages such as physical damage coverage or medical payments. So despite the fact that it appears adding up those discounts means a free policy, you aren’t that lucky. Any amount of discount will lower your insurance premiums.

The best insurance companies and their offered discounts are outlined below.

• State Farm offers discounts for safe vehicle, good driver, good student, student away at school, and passive restraint.
• Progressive may include discounts for online quote discount, continuous coverage, homeowner, multi-policy, good student, and online signing.
• Progressive policyholders can earn discounts including good student, homeowner, continuous coverage, multi-vehicle, multi-policy, and online signing.
• MetLife offers premium reductions for accident-free, good student, claim-free, defensive driver, and multi-policy.
• Farm Bureau may have discounts that include renewal discount, safe driver, youthful driver, multi-vehicle, driver training, and 55 and retired.
• Geico discounts include multi-vehicle, good student, anti-lock brakes, multi-policy, federal employee, seat belt use, and five-year accident-free.
• SAFECO has savings for anti-theft, safe driver, homeowner, teen safety rewards, drive less, and anti-lock brakes.

If you are trying to find affordable insurance coverage quotes, ask all the companies how you can save money. Discounts may not apply to policyholders in your area. To choose insurers that provide some of the discounts listed above, click here.

Your situation helps dictate your coverage

When it comes to buying the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can help discover if your situation would benefit from an agent’s advice.

• I have a DUI can I still get coverage?
• Does liability extend to a camper or trailer?
• Can my teen driver be rated on a liability-only vehicle?
• I don’t drive much so do I pay less?
• How can I find cheaper teen driver insurance?
• Do I have coverage when making deliveries for my home business?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Well known brands might not be cheapest

Popular insurance providers such as Progressive, Allstate and Geico constantly bombard you with ads on television and other media. They all seem to make the point of big savings if you change your policy. How is it plausible that every one can charge you less for car insurance? Just pay attention to how they say it.

Insurance providers quote their best rates for a prospective insured that earns them the most money. A good example of this type of driver might be described as a female over age 40, has never had a policy lapse, and drives a vehicle with a low ISO rating. Any customer who meets those qualifications will get the preferred rates as well as save when they switch companies.

Potential insureds who fall outside this stringent profile will be quoted higher premium rates which translates to business not being written. If you listen closely, the ads state “customers that switch” but not “all drivers who get quotes” save that much. That’s the way companies can make those claims.

Different companies use different criteria so you really need to do a quote comparison often. Because without a comparison, you cannot know the company that will give you lower premium rates than your current company.

Auto insurance coverages

Knowing the specifics of your auto insurance policy can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find typical coverages offered by auto insurance companies.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as damage to your Chevy Captiva Sport.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these limits do not exceed the liability coverage limits.

Collision coverages – This coverage covers damage to your Captiva Sport resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like sustaining damage from a pot hole, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Auto liability – Liability coverage will cover damage that occurs to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property. Another option is a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability can pay for things like structural damage, pain and suffering, funeral expenses and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying higher limits if possible.

Medical costs insurance – Med pay and PIP coverage reimburse you for short-term medical expenses for funeral costs, nursing services, rehabilitation expenses, pain medications and prosthetic devices. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for things like theft, damage from getting keyed, hitting a deer, falling objects and hail damage. The maximum payout your auto insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

One last thing

When trying to cut insurance costs, it’s a bad idea to buy poor coverage just to save money. In too many instances, drivers have reduced uninsured motorist or liability limits and discovered at claim time that the savings was not a smart move. Your objective should be to purchase plenty of coverage at the lowest possible cost, but do not skimp to save money.

You just learned a lot of ways to lower your 2012 Chevy Captiva Sport insurance car insurance rates. The key thing to remember is the more quotes you get, the better your comparison will be. You may be surprised to find that the lowest car insurance rates come from a lesser-known regional company. These companies may cover specific market segments cheaper compared to the large companies like Progressive and Geico.

Additional detailed information is available in the articles below:

• Choosing a Car for Your Teen (State Farm)
• Anti-Lock Brake FAQ (iihs.org)
• State Car Insurance Guides (Geico)
• Vehicle Insurance (Wikipedia)