Want cheaper insurance coverage rates for your Chevrolet Captiva Sport? No car owner gets a kick out of paying for insurance coverage, especially when they are aware that they could lower their rates if they shopped around. Popular companies such as State Farm, Farmers Insurance, Geico and Allstate persitently shower you with catchy ads and it is difficult to not get sucked in by the cute commercials and find the best price available.
Consumers need to take a look at other company’s rates before your policy renews because insurance prices change regularly. Even if you think you had the best deal for Captiva Sport insurance on your last policy there is a good chance you can find better rates now. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to how to use the internet to get good coverage at a lower rate.
If you have a current car insurance policy or need a new policy, you can learn to find better prices and possibly find even better coverage. Finding affordable coverage is quite easy. Drivers just need to understand the most efficient way to shop their coverage around over the internet.
Most of the larger companies allow consumers to get prices for coverage on the web. Getting online rates is pretty painless because you just enter the coverage amounts you desire into the form. Once you submit the form, their rating system gets information on your driving record and credit history and gives you a price quote. This simplifies rate comparisons, but having to visit many different websites and type in the same data is a big time waster. But it’s also necessary to do this in order to find a better rate.
There is an easier way to compare rates
A less time-consuming method to find lower prices requires only one form to return rates from several companies at one time. The form is fast, eliminates form submissions, and makes online price comparison much simpler. After sending the form, your coverage is rated and you are able to buy any or none of the resulting price quotes. If the quotes result in lower rates, it’s easy to complete the application and purchase coverage. The whole process only takes a few minutes and you’ll know if lower rates are available.
To find out what other companies charge, click here to open in new window and submit your coverage information. If you have coverage now, it’s recommended you enter as close as possible to your current policy. This way, you will have comparison quotes based on similar coverages.
Consumers get pounded daily by advertisements that claim the best rates from the likes of Progressive, Allstate and Geico. All the ads make the same claim that you’ll save big if you move to their company.
How can each company save you money? It’s all in the words they use.
Car insurance companies have a certain “appetite” for the driver that will most likely be profitable. For example, a profitable insured may need to be over age 30, has never had a policy lapse, and does not commute to work. Someone that hits that “sweet spot” will get the preferred prices and have a good chance to save a lot of money.
Drivers who don’t measure up to this ideal profile will be quoted higher rates which leads to the customer buying from someone else. If you listen to the ad wording, they say “customers that switch” not “everybody who quotes” save that kind of money. This is how companies can advertise the savings. This emphasizes why you should compare as many free car insurance quotes as you can. You cannot predict which company will fit you best based on your risk profile.
Lots of factors are used when you quote your car insurance policy. Some of the criteria are obvious such as traffic violations, but other factors are less apparent such as your marital status or your financial responsibility.It’s important that you understand some of the elements that help calculate the rates you pay for insurance. If you have a feel for what positively or negatively impacts your premiums, this enables informed choices that can earn you lower insurance prices.
Auto insurance is not inexpensive, but there could be significant discounts that you may not know about. A few discounts will be applied when you purchase, but some discounts are required to be inquired about before you get the savings.
A little disclaimer on discounts, most discounts do not apply to all coverage premiums. A few only apply to individual premiums such as collision or personal injury protection. Even though it may seem like you could get a free auto insurance policy, companies wouldn’t make money that way.
Some companies who may offer these money-saving discounts may include but are not limited to:
Before purchasing a policy, check with every prospective company how many discounts you can get. Some discounts might not be offered everywhere.
When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining if your situation might need an agent’s assistance.
If you can’t answer these questions but a few of them apply, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of auto insurance companies in your area. It is quick, free and can provide invaluable advice.
Learning about specific coverages of insurance can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.
Liability coverages – Liability coverage protects you from damage or injury you incur to people or other property that is your fault. It protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values 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 a total limit of $50,000 for damage to vehicles and property.
Liability insurance covers claims such as emergency aid, attorney fees, structural damage, medical services and legal defense fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase as large an amount as possible.
Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Captiva Sport.
Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.
Collision coverages – This pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims like colliding with another moving vehicle, sideswiping another vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.
Comprehensive protection – This coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against claims like hitting a deer, vandalism and theft. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.
Medical expense coverage – Medical payments and Personal Injury Protection insurance reimburse you for expenses for pain medications, surgery, rehabilitation expenses and hospital visits. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers you and your occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states but can be used in place of medical payments coverage
Some insurance companies do not offer the ability to get a quote online and these regional carriers provide coverage only through local independent agents. Cheaper auto insurance can be found from both online companies in addition to local insurance agencies, and you need to price shop both to have the best chance of lowering rates.
When getting car insurance quotes online, never reduce coverage to reduce premium. There are many occasions where an insured cut liability coverage limits to discover at claim time that it was a big error on their part. Your aim should be to purchase a proper amount of coverage at the best cost, but do not sacrifice coverage to save money.
We covered a lot of ways to shop for 2015 Chevy Captiva Sport insurance online. The key concept to understand is the more you quote car insurance, the more likely it is that you will get a better rate. Drivers may discover the lowest priced auto insurance comes from some of the smallest insurance companies. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate, Geico and Progressive.
Even more information can be read at these sites:
Will 21st Century raise rates for a windshield claim?
Hope my car insurance gets cheaper. I live on the south side of Fort Wayne, Indiana. I don’t recall every quote but I ended up saving about $60 each month. Left AIG Insurance to switch. Are quotes cheaper online?
I live just outside Eugene, Oregon. Checked online prices for a 2015 Chevrolet Captiva Sport. Ended up at about $250 savings annually. Went with Allstate. I have a couple other vehicles on the policy. It’s still not cheap enough.
GEICO and Allstate were both pretty cheap in Lexington, KY.
I got a good deal I think. I live just to the north of Fargo, ND. I got free rates from Auto-Owners, Nationwide, and Travelers for my 2015 Chevrolet Captiva Sport and cut my rates about $370 a year. I quoted rates online then called them.
Enjoyed the article. I’m in Cranston, Rhode Island. Got car insurance prices from GEICO, Liberty Mutual, and Farmers for my Captiva Sport and saved around $550 a year. Insured with Progressive before. Thankfully I have a good driving record. Bought it from an online quote.
I’m in the suburbs of Henderson, NV. I got free prices from Amica, Eastwood, and Safeco for my Captiva Sport and saved just over $250 a year. They offer free online rate quotes.
I live north of Detroit, MI. Quoted prices from 21st Century, American Family, and Encompass for my Chevrolet and saved just over $510 a year. Insured with Nationwide before. My new agent seems to be really good. Not sure if rates are cheaper online or through an agent.
For me, Allstate was by far the cheapest in Bridgeport, CT.
Thanks for putting this site together. I’m in the suburbs of Phoenix, Arizona. I got free quotes from 21st Century, AIG Insurance, and some I forget for my Chevrolet and I’m now saving $49 a month. Get lots of quotes to find the best rate.
If you’re from Tulsa, OK get quotes from State Farm and Progressive and you might save.