Cheap 2013 Chevrolet Cruze Insurance Quotes

Looking for better insurance rates for your Chevrolet Cruze? Shopping for budget-priced insurance on the web can seem to be intimidating for consumers that are relatively new to shopping for insurance on the web. Because there are so many companies competing online, how are consumers able to have the ability to compare every one to find the best price?

Consumers should take time to get comparison quotes quite often due to the fact that insurance rates fluctuate regularly. Despite the fact that you may have had the best deal for Cruze coverage at your last renewal there is a good chance you can find better prices now. Forget all the misinformation about insurance because you’re about to learn the easiest way to save on insurance.

Earn discounts on insurance

The cost of insuring your cars can be expensive, but there may be some discounts that can help lower your rates. Most are applied at the time of purchase, but some may not be applied and must be manually applied before you will receive the discount.

• First Accident Forgiveness – Not a discount per se, but some insurance companies may permit one accident without getting socked with a rate hike so long as you are claim-free for a certain period of time.
• Discounts for Good Drivers – Insureds without accidents can save up to 40% or more on their auto insurance quote for Cruze coverage than less cautious drivers.
• More Vehicles More Savings – Drivers who insure multiple cars or trucks on a single policy can reduce rates for all insured vehicles.
• Driver Training Discounts – Completing a class that teaches driver safety techniques could cut 5% off your bill if you qualify.
• Federal Government Employee – Federal government employees may reduce rates when you quote auto insurance for Cruze coverage with some insurance companies.
• Savings for New Vehicles – Insuring a vehicle that is new can be considerably cheaper due to better safety requirements for newer vehicles.
• Military Discounts – Being on active duty in the military could qualify you for better premium rates.
• Full Payment Discount – If you pay your entire premium ahead of time instead of monthly or quarterly installments you could save up to 5%.

One last thing about discounts, some credits don’t apply to the overall cost of the policy. Most only cut the cost of specific coverages such as liability and collision coverage. So even though you would think adding up those discounts means a free policy, insurance companies aren’t that generous.

To see providers with discount rates, click here.

How do insurers determine Chevy Cruze insurance costs?

When buying insurance coverage it’s important to understand the rating factors that come into play when calculating the price you pay for insurance coverage. When you know what positively or negatively positively or negatively impacts your premiums, this enables you to make decisions that may result in better insurance coverage rates. Many different elements are used when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but some are not quite as obvious such as whether you are married and annual miles driven.

The itemized list below are some of the major factors utilized by car insurance companies to help set your premiums.

• Where you call home is a factor – Choosing to live in less populated areas of the country may provide you with better prices when buying insurance coverage. Less people means a lower chance of having an accident. City drivers tend to have more traffic problems and longer commutes to work. Spending more time driving can result in more accidents.
• Do you know your physical damage deductibles? – Your deductibles are the amount of money you are willing to pay if you file a covered claim. Physical damage protection, also known as collision and other-than-collision, is used to repair damage to your car. Some coverage claims could be collision with another vehicle, fire damage, and damage from wind. The more the insured has to pay upfront, the lower your rates will be for Cruze coverage.
• Responsible drivers pay lower prices – A bad driving record influences premium rates substantially. Drivers who don’t get tickets pay lower auto insurance prices as compared to careless drivers. Even a single citation may increase your cost substantially. Drivers who have gotten license-revoking citations like reckless driving, hit and run or driving under the influence may be required to complete a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
• Vocation impacts prices – Occupational choices like lawyers, social workers and accountants generally pay higher premiums than the average policyholder in part from stressful work requirements and incredibly demanding work hours. On the flip side, professions such as scientists, students and homemakers generally pay rates lower than average for Cruze coverage.

Tailor your insurance coverage coverage to you

When buying the best insurance coverage coverage, there really is no best way to insure your cars. Everyone’s situation is a little different.

Here are some questions about coverages that can aid in determining whether or not you may require specific advice.

• Does coverage extend to a rental car in a foreign country?
• Does my policy pay for OEM or aftermarket parts?
• Should I put collision coverage on all my vehicles?
• Am I covered by my spouse’s policy after a separation?
• Do I really need UM/UIM coverage?
• Should I rate my 2013 Chevy Cruze as pleasure use or commute?
• I have health insurance so do I need medical payments coverage?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an agent. To find lower rates from a local agent, take a second and complete this form.

Detailed coverages of your insurance policy

Having a good grasp of your insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Auto liability insurance

This can cover damage that occurs to other people or property by causing an accident. It protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 50/100/50 that translate to a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Some companies may use a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things such as attorney fees, funeral expenses and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase as much as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy Cruze.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like damage from flooding, falling objects and vandalism. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

Collision coverage will pay to fix damage to your Cruze resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a parking meter, crashing into a ditch, rolling your car and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible to save money on collision insurance.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses like prosthetic devices, nursing services, ambulance fees, X-ray expenses and dental work. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

A tidy conclusion

People change insurance companies for a number of reasons such as delays in responding to claim requests, unfair underwriting practices, poor customer service or even delays in paying claims. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.

Cheaper insurance coverage is available from both online companies as well as from independent agents, and you should compare price quotes from both to have the best selection. A few companies may not offer the ability to get a quote online and these smaller companies only sell through local independent agencies.

As you restructure your insurance plan, don’t be tempted to sacrifice coverage to reduce premiums. There are many occasions where an accident victim reduced liability coverage limits and found out when filing a claim that the savings was not a smart move. Your objective should be to buy enough coverage for the lowest cost while not skimping on critical coverages.

More tips and info about insurance coverage can be found at these sites:

• Cellphones, Texting and Driving (iihs.org)
• Vehicle Size and Weight FAQ (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• Auto Insurance 101 (About.com)
• Information for Teen Drivers (Geico)