Lower Your 2014 Chevrolet Captiva Sport Car Insurance Quotes

No one likes buying auto insurance, especially when they could find better prices if they shop around. Insurance companies such as Progressive, State Farm and Geico constantly bombard you with advertising and it can be hard to ignore the promise of big savings and effectively compare rates to find the best deal.

It’s a good habit to take a look at other company’s rates once or twice a year because insurance prices are constantly changing. If you had the lowest rates on Captiva Sport coverage on your last policy the chances are good that you can find a lower premium rate today. There is lot of inaccurate information about auto insurance out there, but by reading this article, you’re going to learn some great ideas on how to find cheap auto insurance.

If you are insured now or need a new policy, you can use this information to reduce the price you pay and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Consumers just need to learn the best way to buy insurance coverage on the web.

Where can I get low cost insurance?

There are a variety of methods to shop for insurance, but some are less labor-intensive and much quicker. You could waste time talking to local insurance agents in your area, or you could save time and use the internet for quick rates.

Most of the larger companies belong to a marketplace that allows shoppers to only type in their quote data once, and at least one company returns a competitive quote determined by their information. This prevents consumers from doing form submissions for every insurance company.

To fill out one form to compare multiple rates now click to open in new window.

One minor caviat to pricing coverage this way is that you can’t choose the insurers to receive prices from. So if you want to choose from a list of companies to compare prices, we put together a list of companies who write insurance in your area. View list of insurance companies.

The approach you take is up to you, just do your best to use the same quote data for each comparison quote. If your comparisons have differing limits then you won’t be able to determine which company has the best rates.

Will you really save $485 on auto insurance?

Drivers constantly see and hear ads that promise big savings from the likes of State Farm, Allstate and Geico. They all seem to advertise claims of big savings if you change your coverage to them.

How do they all charge you a lower premium? You have to listen carefully.

Many companies have a certain “appetite” for the type of driver that will most likely be profitable. A good example of this type of insured might be a mature driver, has never had a policy lapse, and does not commute to work. Any customer that meets those criteria gets the lowest car insurance rates and will probably save if they switch.

People who don’t measure up to this ideal profile will have to pay higher rates and the customer not buying. If you pay close attention to the ads, they say “drivers who switch” not “all people who quote” save that much money. That’s why insurance companies can confidently make claims like that.

That is why you absolutely need to do a quote comparison often. It is impossible to guess the company that will give you lower prices than your current company.

How insurance providers calculate Chevy Captiva Sport insurance costs

Lots of things are considered when you get a price on insurance. Most are fairly basic such as your driving history, but others are less apparent such as your marital status or your vehicle rating.

The following are some of the things companies use to determine your prices.

• Male prices may be higher – The statistics show that women are safer drivers than men. That doesn’t necessarily mean that women are BETTER drivers than men. Females and males get in accidents in similar percentages, but the male of the species tend to have higher claims. Not only are claims higher, but men receive more major tickets like driving under the influence (DUI).
• Vehicles with better crash test results cost less to insure – Vehicles with high crash test scores tend to have lower insurance rates. Vehicles engineered for safety help reduce the chance of injuries in an accident and better occupant protection means less money paid by your insurance company and cheaper rates on your policy. If your Chevy has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
• Small claims can cost you – Auto insurance companies award most affordable rates to policyholders that do not abuse their auto insurance. If you are a frequent claim filer, you can expect increased rates or even have your policy non-renewed. Your car insurance is meant to be used in the event of claims that you cannot pay yourself.
• Proper usage rating affects rates – Driving a lot of miles annually the higher the price you pay to insure it. A lot of insurance companies price each vehicle’s coverage based on how the vehicle is used. Autos that sit idle most of the time can get a lower rate than those that get driven frequently. Having the wrong rating on your Captiva Sport can result in significantly higher rates. It’s always a good idea to double check that your auto insurance policy correctly shows the correct usage for each vehicle.
• Comp and collision deductibles are a factor – Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Chevy from damage. Some examples of claims that would be covered are colliding with a building, damage caused by hail, and having your car stolen. Deductibles for physical damage represent how much money the insured will be required to pay before a claim is paid by your company. The more you are required to pay out-of-pocket, the less your auto insurance will be on Captiva Sport coverage.

Lower rates by qualifying for discounts

Some companies do not advertise the complete list of policy discounts in an easy-to-find place, so the next list breaks down both well-publicized as well as the least known auto insurance savings. If they aren’t giving you every credit you deserve, you could be saving more on your auto insurance.

• Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts could see savings as much as 30%.
• Resident Student – Children who live away from home at college and do not have a car may qualify for this discount.
• Senior Citizen Discount – Seniors may receive a slight reduction on a auto insurance quote on Captiva Sport coverage.
• Homeowners Savings – Simply owning a home can help you save on auto insurance since owning and maintaining a home demonstrates responsibility.
• Discounts for New Vehicles – Insuring a new car can save up to 30% because newer models have to meet stringent safety requirements.
• Fewer Miles Equal More Savings – Driving fewer miles may enable drivers to earn better auto insurancerates on cars that stay parked.
• Discounts for Cautious Drivers – Drivers who don’t get into accidents can save as much as half off their rates on Captiva Sport coverage than drivers with accident claims.

A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. Most only apply to specific coverage prices like liability and collision coverage. So when the math indicates all those discounts means the company will pay you, you won’t be that lucky. But any discount should help reduce the cost of your policy.

Larger auto insurance companies and their offered discounts are outlined below.

• 21st Century includes discounts for teen driver, homeowners, good student, defensive driver, 55 and older, air bags, and student driver.
• Progressive may have discounts that include multi-policy, continuous coverage, multi-vehicle, online quote discount, homeowner, online signing, and good student.
• State Farm has savings for student away at school, driver’s education, passive restraint, good driver, and Steer Clear safe driver discount.
• Nationwide offers discounts for accident-free, multi-policy, easy pay, good student, family plan, defensive driving, and Farm Bureau membership.
• Esurance discounts include online quote, multi-policy, Switch & Save, good student, good driver, online shopper, and paid-in-full.
• The Hartford offers premium reductions for good student, bundle, air bag, vehicle fuel type, driver training, and anti-theft.

Double check with every insurance company which discounts can lower your rates. Some of the earlier mentioned discounts might not be available to policyholders in your area.

Car insurance is unique, just like you

When buying the right insurance coverage for your personal vehicles, there really is no “perfect” insurance plan. Every situation is different so this has to be addressed. For example, these questions can help discover whether you would benefit from an agent’s advice.

• Is motorclub coverage worth it?
• Am I covered if I break a side mirror?
• Does insurance cover tools stolen from my truck?
• Do I need replacement cost coverage on my 2014 Chevy Captiva Sport?
• Should I drop comprehensive coverage on older vehicles?
• Are my friends covered when driving my car?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies. It only takes a few minutes and can provide invaluable advice.

The coverage is in the details

Learning about specific coverages of your auto insurance policy can help you determine which coverages you need for your vehicles. Auto insurance terms can be ambiguous and coverage can change by endorsement. These are typical coverage types found on most auto insurance policies.

Collision protection

Collision coverage pays for damage to your Captiva Sport resulting from a collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as scraping a guard rail, colliding with a tree, hitting a parking meter, sideswiping another vehicle and rolling your car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Usually your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability

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

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as structural damage, repair costs for stationary objects, attorney fees, court costs and legal defense fees. How much liability should you purchase? That is up to you, but you should buy higher limits if possible.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hail damage, a tree branch falling on your vehicle and theft. The most your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical payments and PIP coverage

Med pay and PIP coverage reimburse you for expenses for ambulance fees, surgery and nursing services. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

More choices the merrier

In this article, we presented a lot of techniques to reduce 2014 Chevy Captiva Sport insurance rates online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the lowest rates are with some of the smallest insurance companies. Smaller companies may only write in your state and offer lower car insurance rates compared to the large companies like Allstate or State Farm.

While you’re price shopping online, make sure you don’t reduce coverage to reduce premium. In many cases, someone sacrificed collision coverage and found out when filing a claim that saving that couple of dollars actually costed them tens of thousands. Your aim should be to purchase a proper amount of coverage at the best cost and still be able to protect your assets.

For more information, link through to the resources below:

• Comprehensive Coverage (Liberty Mutual)
• Crash Avoidance Technologies FAQ (iihs.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Bodily Injury Coverage (Liberty Mutual)