2014 Chevrolet SS Insurance Quotes

Trying to find better car insurance rates for your Chevrolet SS? Searching for better insurance prices for a Chevy SS could be a painful process, but you can use a few tricks to find lower rates.

There is a better way to buy car insurance so we’re going to tell you the proper way to get price quotes for a new or used Chevy and obtain the lowest possible price from local insurance agents and online providers.

You need to take a look at other company’s rates on a regular basis because car insurance prices are adjusted regularly by insurance companies. Even if you think you had the best quotes on SS coverage at your last renewal you will most likely find a better rate today. Forget all the misinformation about car insurance because we’re going to demonstrate the things you must know in order to find better coverage at a better price.

Earn discounts to get lower-cost auto insurance rates

The price of auto insurance can be rather high, but you may find discounts that can drop the cost substantially. A few discounts will be applied at quote time, but a few must be specifically requested prior to getting the savings. If you check and find you aren’t receiving every discount available, you are not getting the best rate possible.

• Good Grades Discount – Being a good student can save 20 to 25%. The discount lasts well after school through age 25.
• Theft Deterent – Vehicles equipped with tracking devices and advanced anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
• Drivers Education – Require your teen driver to participate in a local driver’s education class if offered at their school.
• Discount for Home Ownership – Just being a homeowner can help you save on auto insurance because of the fact that having a home requires a higher level of personal finance.
• Club Memberships – Belonging to certain professional organizations can get you a small discount on your policy.
• Paperwork-free – Many auto insurance companies will give you a small discount for completing your application over the internet.
• Senior Discount – Drivers that qualify as senior citizens may qualify for a small decrease in premiums on SS coverage.
• Accident Waiver – Not necessarily a discount, but certain companies may permit one accident before your rates go up with the catch being you have to be claim-free for a certain period of time.
• Discount for Multiple Policies – If you combine your auto and homeowners policies and insure them with the same company they may give you a discount of nearly 15% which can help you find cheap car insurance.
• Life Insurance Discount – Not all companies offer life insurance, but some may give you a discount if you purchase a life policy as well.

As a disclaimer on discounts, most discount credits are not given the the whole policy. Most cut specific coverage prices like liability and collision coverage. So despite the fact that it appears having all the discounts means you get insurance for free, companies don’t profit that way.

A partial list of companies who might offer these discounts include:

• State Farm
• Progressive
• Travelers
• American Family
• Liberty Mutual

If you need lower rates, check with all companies you are considering which discounts can lower your rates. A few discounts might not be available to policyholders in your area. To choose insurers who offer free auto insurance quotes, follow this link.

How insurance companies calculate Chevy SS insurance premiums

Many things are considered when premium rates are determined. Some of the criteria are obvious like a motor vehicle report, but other criteria are less obvious like where you live or your vehicle rating.Consumers need to have an understanding of some of the things that play a part in calculating your insurance rates. If you understand what influences your rates, this empowers consumers to make smart changes that can earn you big savings.

• Only buy what you need – There are a ton of extra bells and whistles that can waste your money when buying insurance. Coverages like personal injury protection, better glass coverage, and extra equipment coverage are probably not needed. These may sound like a good investment when discussing your needs, but your money might be better spent on other coverage so remove them and pocket the money.
• Do you qualify for a multi-policy discount? – Some insurers afford a discount to customers who buy several policies from them. It’s known as a multi-policy discount. The discount can add up to ten percent or more. Even if you qualify for this discount already, drivers will still want to compare other company rates to help ensure you have the lowest rates.
• Gender and car insurance – The statistics show females are less aggressive when driving. However, don’t assume that men are WORSE drivers than women. Females and males cause at-fault accidents at a similar rate, but the men have costlier accidents. They also get cited for more serious violations like DUI and reckless driving.
• Pay more out-of-pocket – Comprehensive and collision coverage deductibles define the amount the insured will be required to pay in the event of a claim. Physical damage coverage, aka comp and collision, covers damage that occurs to your car. Examples of covered claims are colliding with a stationary object, animal collisions, and damage caused by road hazards. The more damage repair cost you pay before a claim is paid (deductible), the less money you will pay for insurance on SS coverage.
• High credit history translates to low prices – A driver’s credit rating factor in determining your rates. Insureds with excellent credit tend to file fewer claims than those with worse credit. If your credit is low, you could be paying less to insure your 2014 Chevrolet SS by spending a little time repairing your credit.
• Your vocation can affect rates – Did you know that where you work can have an impact on rates? Jobs such as lawyersairline pilots and miners generally have higher average rates in part from intense work requirements and lots of time spent at work. On the flip side, careers like scientists, students and performers receive lower rates on SS coverage.
• When should you not file a insurance claims? – If you are the type of insured that files lots of claims you can pretty much guarantee either a policy non-renewal or much higher rates. Companies provide the best rates to people who file claims infrequently. Your insurance policy is intended for claims that pose a financial burden.

Tailor your insurance coverage coverage to you

When buying coverage, there really is no “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out whether your personal situation would benefit from an agent’s advice.

• Do I have any recourse if my insurance company denies a claim?
• Do I have coverage for damage caused while driving under the influence?
• Will my insurance pay for OEM parts?
• Can I drive in Mexico and have coverage?
• Can I still get insurance after a DUI?
• Am I covered by my spouse’s policy after a separation?
• Does my liability insurance cover pulling a trailer or camper?

If you can’t answer these questions but one or more may apply to you, 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. It’s fast, doesn’t cost anything and can provide invaluable advice.

Don’t believe everything you hear

Consumers can’t get away from all the ads that claim the best prices by companies like Allstate and Progressive. They all state the claim about saving some big amount after switching your auto insurance coverage to their company.

How can each company say the same thing? This is how they do it.

Different companies have an ideal profile for the driver they prefer to insure. For instance, this type of insured should be between the ages of 40 and 55, has never had a policy lapse, and drives less than 7,500 miles a year. Any person who matches those parameters will get very good rates and is almost guaranteed to save quite a bit of money when switching.

Potential insureds who are not a match for the ideal profile may receive a more expensive rate which results in the customer buying from a different company. Company advertisements say “drivers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That is how companies can claim big savings.

Each company has different criteria, so you really need to compare quotes as often as possible. It’s just too difficult to predict which insurance companies will have the lowest rates.

Specific coverages for a Chevy SS

Having a good grasp of insurance aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers – This gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy SS.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive insurance – This coverage pays for 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 like fire damage, damage from flooding, damage from getting keyed and falling objects. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance will pay to fix damage to your SS resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as colliding with a tree, crashing into a ditch, crashing into a building and scraping a guard rail. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for doctor visits, chiropractic care, X-ray expenses, pain medications and hospital visits. The coverages can be used in conjunction with a health insurance program or if you do not have health coverage. They cover you and your occupants in addition to any family member struck as a pedestrian. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability – This coverage can cover damage or injury you incur to other people or property in an accident. It protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 25/50/25 which means a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as attorney fees, loss of income, emergency aid and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Be a Smart Shopper

We’ve covered some good ideas how to save on 2014 Chevy SS insurance. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding cheap car insurance. Drivers may discover the lowest priced car insurance comes from a lesser-known regional company.

Consumers change insurance companies for many reasons like high prices, not issuing a premium refund, denial of a claim and lack of trust in their agent. No matter why you want to switch, finding a new car insurance company is pretty simple and you could end up saving a buck or two.

As you quote car insurance, do not sacrifice coverage to reduce premiums. There are a lot of situations where an insured cut collision coverage only to regret that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage for the lowest cost, but don’t skip important coverages to save money.

Additional car insurance information is located on the following sites:

• What Does No-Fault Insurance Cover? (Allstate)
• Help Your Teen Be a Better Driver (State Farm)
• Tools for Teen Driving Safety (State Farm)
• Where can I buy Insurance? (Insurance Information Insitute)
• Reducing Your Risks in a Car Crash Video (iihs.org)
• Car Insurance for Teen Drivers with Divorced Parents (Allstate)