Cheaper 2014 Chevrolet Cruze Insurance Rates

Looking for cheaper auto insurance rates for your Chevrolet Cruze? I really doubt anyone is fond of buying auto insurance, especially when they are aware that their premiums are through the roof. Numerous insurance companies battle for your hard-earned dollar, so it’s not easy to compare every provider and uncover the absolute lowest rate possible.

If you are insured now or are looking for a new policy, you can use this information to reduce the price you pay while maintaining coverages. Finding the best rates is quite easy. Drivers only need to know the proper way to shop their coverage around on the web.

Discounts to earn cheaper insurance rates

Some companies do not advertise all available discounts very well, so the list below gives a summary of some of the best known in addition to some of the lesser obvious credits available to lower your premiums when you buy auto insurance online. If they aren’t giving you every credit possible, you are throwing money away.

• One Accident Forgiven – This isn’t a discount exactly, but some insurance companies will forgive one accident before they charge you more for coverage so long as you haven’t had any claims before the accident.
• Club Memberships – Being in certain professional organizations could qualify you for a break on your bill.
• Claim-Free Discount – Drivers who stay claim-free can save substantially when compared to accident-prone drivers.
• Senior Citizen Discount – Seniors may be able to get a discount up to 10% on Cruze coverage.
• Multi-Vehicle Discounts – Insuring several vehicles with one company can get a discount on all vehicles.
• Life Insurance Discount – Select insurance carriers reward you with a small discount if you purchase life insurance.
• Early Renewal Discounts – Some companies give discounts for switching to them prior to your current policy expiration. This can save 10% or more.
• Distant College Student Discount – who are enrolled in a college that is more than 100 miles from home and won’t have access to an insured vehicle could get you a discount.
• Driver’s Ed – Require your teen driver to sucessfully take a drivers education course in school.
• Theft Deterent – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and therefore earn up to a 10% discount.

You should keep in mind that some credits don’t apply to the entire cost. Some only reduce the price of certain insurance coverages like medical payments or collision. So even though it sounds like it’s possible to get free car insurance, it’s just not the way it works.

A list of insurance companies and the discounts they provide are outlined below.

• Farmers Insurance policyholders can earn discounts including teen driver, mature driver, homeowner, alternative fuel, early shopping, and electronic funds transfer.
• Esurance offers discounts for good student, online quote, online shopper, claim free, Pac-12 alumni, anti-theft, and multi-car.
• State Farm offers discounts including passive restraint, safe vehicle, multiple policy, Drive Safe & Save, accident-free, and student away at school.
• Geico may include discounts for anti-lock brakes, five-year accident-free, multi-policy, air bags, defensive driver, and daytime running lights.
• Allstate includes discounts for EZ pay plan discount, auto/life discount, early signing, 55 and retired, passive restraint, and new car.

Before purchasing a policy, check with each company what discounts are available to you. A few discounts may not apply to policyholders in your area. To choose providers that offer the discounts shown above, follow this link.

Low cost insurance coverage rate quotes online

Finding low cost 2014 Chevy Cruze insurance coverage rates is actually easier than you may think. You just have to take time comparing price quotes from different insurance companies. Shoppers can get rates in just a few minutes using one of these methods.

1. The first (and easiest) way to get quotes for comparison would be an industry-wide quote request form like this one (opens in new window). This form eliminates the need for a different quote for every prospective company. One form submission gets you coverage quotes direct from many companies.
2. Another way to compare rate quotes is to take the time to go to each individual company website to complete their respective quote request forms. For example, we’ll pretend you want to compare prices for Geico, Farmers and Allstate. To get each rate you have to navigate to each company’s site and enter your information, which can take a lot of time.

   For a list of links to companies insuring cars in your area, click here.

Whichever way you choose to compare rates, make sure you use the same information with every price quote. If you use different values for each quote you will not be able to determine the best price for your Chevy Cruze.

Tailor your car insurance coverage to you

When it comes to buying coverage for your personal vehicles, there is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For example, these questions might point out if you might need an agent’s assistance.

• Is my nanny covered when driving my vehicle?
• Do I need replacement cost coverage?
• Are there companies who specialize in insuring high-risk drivers?
• Why am I required to buy liability insurance?
• Do I get a pro-rated refund if I cancel my policy early?
• Do I need medical payments coverage since I have good health insurance?
• What is the rate difference between pleasure use and commuting?

If you can’t answer these questions but you know they 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, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and you can get the answers you need.

Car insurance specifics

Learning about specific coverages of car insurance can be of help when determining appropriate coverage for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most car insurance policies.

Liability insurance

This protects you from injuries or damage you cause to other people or property by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things such as loss of income, medical expenses, structural damage and court costs. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Comprehensive coverages

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things such as falling objects, theft, fire damage and damage from flooding. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

This coverage will pay to fix damage to your Cruze resulting from a collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like backing into a parked car, colliding with another moving vehicle, sideswiping another vehicle and hitting a parking meter. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for immediate expenses like EMT expenses, prosthetic devices, X-ray expenses, dental work and chiropractic care. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 2014 Chevy Cruze.

Because many people carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Pennies from heaven

When buying insurance coverage, it’s not a good idea to buy poor coverage just to save money. Too many times, consumers will sacrifice uninsured motorist or liability limits only to discover later that saving that couple of dollars actually costed them tens of thousands. Your goal is to purchase plenty of coverage at the best cost, not the least amount of coverage.

You just read a lot of tips how to lower your 2014 Chevy Cruze insurance car insurance rates. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even find the lowest car insurance rates come from a small local company. Regional companies often have lower premium rates on specific markets as compared to the big name companies such as State Farm or Progressive.

Lower-priced 2014 Chevy Cruze insurance is definitely available online as well as from insurance agents, so you need to quote auto insurance with both so you have a total pricing picture. Some companies may not provide online quoting and these regional insurance providers only sell through local independent agencies.

For more information, link through to the resources below:

• Neck Injury FAQ (iihs.org)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Auto Insurance 101 (About.com)
• Crash Avoidance Technologies FAQ (iihs.org)
• Comprehensive Coverage (Liberty Mutual)