How Much Does 2013 Chevrolet Captiva Sport Insurance Cost?

Having to pay for expensive insurance coverage can empty your savings and put a big crunch on your finances. Performing a price comparison is an excellent way to slash your bill and have more diposable income.

Drivers have so many car insurance companies to pick from, and even though it’s nice to have multiple companies, lots of choices makes it harder to find the lowest rates.

Finding affordable insurance can be fairly easy. If you have a policy now or are shopping for new coverage, you can follow these tips to get lower rates and still get good coverage. Drivers only need to know the proper methods to shop for insurance online.

Verify you’re getting every discount

Insuring your vehicles can cost a lot, but you might be missing out on some discounts to reduce the price significantly. Certain discounts will be applied at the time you complete a quote, but some must be asked for prior to receiving the credit.

• Mature Driver Discount – Older drivers are able to get reduced rates on Captiva Sport coverage.
• Driving Data Discount – People who choose to allow data collection to spy on their driving habits by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates if they show good driving skills.
• Theft Deterent System – Cars and trucks equipped with anti-theft or alarm systems have a lower chance of being stolen and that can save you a little bit as well.
• College Student – Children who live away from home to go to college and won’t have access to an insured vehicle could get you a discount.
• One Accident Forgiven – Not a discount per se, but certain companies permit an accident without raising rates if you have no claims prior to being involved in the accident.
• Multiple Policy Discount – If you have multiple policies with one company you could get a discount of up to 20% and get you the cheapest car insurance.

You should keep in mind that most of the big mark downs will not be given to your bottom line cost. Some only reduce the cost of specific coverages such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

To see a list of insurance companies that offer the discounts shown above, click this link.

The best way to compare policy rates is to know car insurance companies will pay a fee to give you rate quotes. To begin a comparison, all you need to do is give them rating details including coverage limits, the make and model of your vehicles, the ages of drivers, and how much school you completed. Your insurance information gets transmitted to all major companies and they return quotes instantly.

To find the cheapest 2013 Chevy Captiva Sport insurance rates, click here and see if a lower rate is available.

When should I discuss my situation with an agent?

When buying proper insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique and a cookie cutter policy won’t apply. For example, these questions can help discover if your insurance needs might need an agent’s assistance.

• Do I need replacement cost coverage on my 2013 Chevy Captiva Sport?
• Should I have a commercial auto policy?
• Am I covered when delivering products for my home-based business?
• How much can I save by bundling my policies?
• What is an SR-22 filing?
• What vehicles should carry emergency assistance coverage?
• Can I afford to pay high deductible claims out of pocket?
• Should I buy full coverage?
• Is my nanny covered when driving my vehicle?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area. It’s fast, free and you can get the answers you need.

Coverages available on your policy

Learning about specific coverages of insurance can be of help when determining the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Listed below are the normal coverages found on most insurance policies.

Collision insurance

Collision insurance will pay to fix damage to your Captiva Sport from colliding with an object or car. You will need to pay your deductible then your collision coverage will kick in.

Collision can pay for things like hitting a mailbox, driving through your garage door, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Auto liability

Liability coverage protects you from injuries or damage you cause to people or other property that is your fault. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as medical services, legal defense fees, medical expenses and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical expense insurance

Med pay and PIP coverage reimburse you for short-term medical expenses like nursing services, chiropractic care, hospital visits, prosthetic devices and dental work. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive (Other than Collision)

Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as fire damage, damage from getting keyed, a tree branch falling on your vehicle, damage from a tornado or hurricane and rock chips in glass. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Keep this in mind

When you buy car insurance online, make sure you don’t reduce coverage to reduce premium. There have been many situations where an insured cut physical damage coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at an affordable rate, but do not skimp to save money.

In this article, we covered quite a bit of information on how to reduce 2013 Chevy Captiva Sport insurance car insurance rates online. The most important thing to understand is the more you quote car insurance, the higher your chance of finding the cheapest car insurance. Consumers could even find that the lowest priced insurance comes from the least-expected company. Some small companies may often insure only within specific states and give getter rates than the large multi-state companies such as Geico and State Farm.

To read more, link through to the resources below:

• Keeping Children Safe in Crashes Video (iihs.org)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Understanding your Policy (NAIC.org)
• Information for Teen Drivers (Geico)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)