2013 Chevrolet Volt Car Insurance Quotes

Trying to come up with a payment for high-priced insurance coverage can stress out your funds and force you to make sacrifices. Comparing price quotes can lower your rates and help to slash your bill and have more diposable income.

Many car insurance companies vie for your hard-earned dollar, so it can be very hard to choose a provider and get the definite lowest cost out there.

Get lower-cost auto insurance rates with discounts

Companies that sell car insurance don’t always publicize all disounts in an easy-to-find place, so we break down some of the more common as well as the least known savings tricks you should be using when you buy insurance coverage online. If you check and find you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • Homeowners Savings – Owning your own home or condo can save you money because of the fact that having a home requires a higher level of personal finance.
  • Auto/Life Discount – Auto insurance companies who offer life insurance give a break if you buy life insurance from them.
  • Discount for Swiching Early – A few insurance companies offer discounts for buying a policy prior to the expiration date on your current policy. It can save you around 10%.
  • Buy New and Save – Insuring a new car is cheaper compared to insuring an older model.
  • Professional Memberships – Joining qualifying clubs or civic groups could earn you a nice discount on your policy.
  • Seat Belts Save – Forcing all vehicle occupants to use their safety belts can save up to 15% on the premium charged for medical payments and/or PIP.
  • No Claim Discounts – Claim-free drivers have much lower rates as compared to insureds who have frequent claims or accidents.
  • Braking Control Discount – Vehicles equipped with ABS or steering control have fewer accidents and earn discounts up to 10%.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to successfully complete driver’s ed class in school.

While discounts sound great, it’s important to understand that some credits don’t apply to the entire cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, nobody gets a free ride.

Larger auto insurance companies and some of the discounts can be found below.

  • Farmers Insurance offers premium reductions for teen driver, multi-car, youthful driver, business and professional, good student, and switch companies.
  • Esurance discounts include claim free, Switch & Save, multi-car, online quote, and renters.
  • State Farm may offer discounts for safe vehicle, student away at school, accident-free, good student, Steer Clear safe driver discount, Drive Safe & Save, and multiple policy.
  • Geico offers discounts including daytime running lights, emergency military deployment, military active duty, good student, five-year accident-free, air bags, and multi-policy.
  • Allstate policyholders can earn discounts including premier discount, economy car, safe driver, good student, and good payer.

If you want low cost insurance coverage quotes, ask every prospective company which discounts you may be entitled to. Discounts may not be offered in your area.

Which insurance coverage is cheapest?

To find affordable insurance coverage quotes, there are several ways of comparing rate quotes from insurance coverage companies in your area. The easiest way to lower the rate you pay for 2013 Chevy Volt insurance is simply to get online rate quotes. This is very easy and can be done in several different ways.

  • The easiest and least time consuming way to get quotes is to use a rate comparison form click here to open form in new window. This method prevents you from having to do separate forms for every prospective company. Just one form will get you price quotes from multiple low-cost companies.
  • A harder way to compare rate quotes is spending the time to visit each individual company website and request a quote. For example, let’s assume you want to see prices from USAA, State Farm and Allstate. You would be required to go to each individual site and enter your policy data, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  • If you have time to kill, the last method to compare price quotes is making phone calls or going to insurance agencies in your area. Comparing online rate quotes has reduced the need for local agents unless you have a need for the extra assistance of an agent trained in personal lines coverage. Drivers can get prices online but purchase the actual policy in an agency.

Whichever way you choose to compare rates, be sure to compare apples-to-apples quote information with every price quote. If you compare differing limits it will be very difficult to make an equal comparison. Just a small difference in insurance coverages or limits may result in large price differences. Just keep in mind that comparing all the rates in your area increases your odds of finding a better price. Some insurance companies are not set up to provide online quotes, so it’s important to compare price quotes from those companies as well.

Informed consumers save every year

Lots of factors are part of the equation when premium rates are determined. A few of the factors are predictable such as your driving history, but other factors are less apparent like where you live or your commute time.Smart consumers have a good feel for some of the factors that help calculate your policy premiums. When you know what positively or negatively determines base rates, this enables informed choices that may result in much lower annual insurance costs.

The factors shown below are most of the major factors that factor into your rate level.

  • Save money by having multiple policies – Lots of insurers will award discounts for people who consolidate policies with them, otherwise known as a multi-policy discount. Even if you qualify for this discount already, it’s still a good idea to shop around to ensure the best deal. You may still be able to save even more than the discount by splitting coverages up.
  • Vehicles with better crash test results are cheaper to insure – Vehicles with high crash test scores tend to have better insurance rates. Vehicles built for safety have better occupant injury protection and reduced instances of injuries means lower claim amounts passed on to you as lower rates.
  • Do you have a demanding occupation? – Do you have a high-stress occupation? Occupations such as judgesair traffic controllers and accountants tend to pay the highest rates because of intense work situations and lengthy work days. Conversely, occupations such as professors, engineers and retirees have the lowest average rates for Volt insurance.
  • Too many insurance claims drive up premiums – Auto insurance companies give cheaper rates to people that do not abuse their auto insurance. If you file claims often, you can look forward to either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for the bigger claims that can’t be paid out-of-pocket.

Tailor your insurance coverage coverage to you

When choosing the right insurance coverage, there is no cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that can help discover whether your personal situation may require specific advice.

  • Are rental cars covered under my policy?
  • Am I covered if I wreck a rental car?
  • I have health insurance so do I need medical payments coverage?
  • Should I buy more coverage than the required minimum liability coverage?
  • Which is better, split liability limits or combined limits?
  • Do I need to file an SR-22 for a DUI in my state?
  • What is no-fault insurance?
  • What exactly is covered by my policy?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, simply complete this short form or you can also visit this page to select a carrier

Insurance coverage considerations

Having a good grasp of a insurance policy can be of help when determining appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Shown next are the usual coverages available from insurance companies.

Comprehensive auto coverage

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as fire damage, rock chips in glass and a broken windshield. The highest amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability coverages

This provides protection from injuries or damage you cause to people or other property by causing an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 100/300/100 which stand for a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against claims like emergency aid, legal defense fees, pain and suffering, medical services and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Volt.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Collision insurance

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like scraping a guard rail, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible to bring the cost down.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for immediate expenses such as chiropractic care, hospital visits, pain medications, rehabilitation expenses and EMT expenses. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Get your money’s worth

As you restructure your insurance plan, never buy lower coverage limits just to save a few bucks. Too many times, an insured cut liability limits or collision coverage and learned later that they should have had better coverage. Your goal should be to buy enough coverage at the best cost, but do not skimp to save money.

Throughout this article, we presented some good ideas how you can get a better price on 2013 Chevy Volt insurance. The key thing to remember is the more rate comparisons you have, the higher your chance of finding low cost insurance coverage. Consumers could even find that the lowest premium rates come from some of the lesser-known companies. Smaller companies often have lower prices on specific markets than the large multi-state companies such as Allstate or State Farm.

More detailed insurance coverage information is available at these sites:

Comments About 2013 Chevrolet Volt Insurance

  1. Misha Talley

    Checking in from Portland, ME. Got rates from State Farm, Encompass, and Hartford for my Chevrolet and I’m now saving $25 a month. BTW speeding tickets are not good.

  2. Riley Melendez

    Great info, thanks for posting. I’m in the suburbs of Raleigh, NC. Received quotes from Allstate, Auto-Owners, Erie, and Hartford for my Chevrolet and saved just over $390 a year. Just waiting to see how claims go.

  3. Eileen Mcbride

    Here’s what I found out. I’m in Pittsburgh, PA. Received rates from Safeco, Esurance, GEICO, and Auto-Owners for my 2013 Chevrolet Volt and saved about $360 a year. BTW speeding tickets are not good. Are quotes cheaper online?

  4. Leanora Contreras

    I live just to the east of Nampa, ID. Received prices from GEICO, American Family, and some I forget for my 2013 Chevrolet Volt and saved about $320 a year. Insured with Mercury before. I increased coverages a little too. Just waiting to see how claims go.

  5. Emilee Peterson

    Cheaper not always better. I live west of Aberdeen, SD. Compared quite a few companies. Saved right around $20 a month. 21st Century was the most affordable for me. Moved home policy as well.

  6. Jennell Mejia

    Checking in from Tacoma, WA. Got car insurance rates from USAA, Auto-Owners, Hartford, and Nationwide for my Chevrolet and saved $224 a year. Switched homeowners coverage too. I used their online quote form to compare rates.

  7. Sung Nash

    I got a good deal I think. I live west of Spokane, Washington. I got free quotes with GEICO, Amica, and some I forget for my Volt and saved just over $100 a year. It’s still not cheap enough.

  8. Lorean Holder

    I live in a small town just outside of Las Cruces, NM. Received rates from Travelers, Amica, GMAC, and Sentry for my Volt and am saving around $190 a year. Got better coverage too.