Cheaper 2015 Chevrolet Cruze Insurance Rates

Searching for cheaper car insurance rates for your Chevrolet Cruze? Locating cheaper insurance for a Chevy Cruze could be a lot of work, but you can learn these tips and make it easy.

There are more efficient ways to buy car insurance so you’re going to learn the best way to quote coverages for a Chevy and get the best price possible from both online companies and local agents.

Buying the cheapest protection is quite easy. If you have a current insurance coverage policy or are looking for a new policy, you can follow these tips to find better prices and still get good coverage. Drivers only need to know the most effective way to buy insurance coverage online.

Learn how to buy car insurance for less

Smart consumers have a good feel for some of the things that aid in calculating your car insurance rates. If you have a feel for what controls the rates you pay, this allows you to make educated decisions that may reward you with much lower annual insurance costs.

Shown below are some of the items used by insurance companies to determine your prices.

• Cheaper to insure women? – Over the last 30 years, statistics show females are less aggressive when driving. It does not mean females are better drivers. Women and men tend to get into fender benders at a similar rate, but the male of the species tend to have higher claims. In addition to higher claims, males also get ticketed for serious violations like reckless driving and DUI. Male teenagers have the highest risk to insure and thus pay the highest rates.
• Alarm systems lowers car insurance rates – Purchasing a vehicle with a theft deterrent system can help bring down rates. Theft prevention devices like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all help prevent car theft and help bring rates down.
• More policies can equal more savings – Some car insurance companies apply lower prices to clients that have more than one policy in the form of a multi-policy discount. Even if you’re getting this discount consumers should still comparison shop to help ensure you have the lowest rates.
• Your career may increase prices – Occupations like military personnel, executives and emergency personnel tend to pay higher premiums than the average policyholder due to intense work situations and incredibly demanding work hours. On the other hand, professions such as actors, engineers and the unemployed generally pay rates lower than average for Cruze coverage.
• Bad credit will cost you – A driver’s credit rating is a big factor in calculating your premium rate. Consumers who have excellent credit scores tend to be better risks to insure than those with lower credit scores. If your credit score is not that good, you could be paying less to insure your 2015 Chevrolet Cruze if you improve your credit rating.
• Insurance rates in urban areas – Having an address in a rural area is a positive aspect when buying car insurance. Fewer drivers and short commutes means less chance of accidents in addition to lower liability claims People who live in big cities have much more traffic and higher rates of accident claims. More time behind the wheel can result in more accidents.
• Lower miles equals lower premium – The more miles you rack up on your Chevy every year the higher the price you pay to insure it. The majority of insurers apply a rate based upon how you use the vehicle. Vehicles that do not get driven very much can get a lower rate than those used for commuting. Make sure your car insurance declarations sheet properly reflects the correct usage for each vehicle. Improper usage on your Cruze is just wasting money.
• Single drivers may pay more – Having a wife or husband may save some money on car insurance. Having a significant other translates into being more stable financially and it’s proven that married drivers tend to file fewer claims.

Where can I get low cost insurance coverage?

Comparing insurance coverage rates can be exhausting if you don’t know the most efficient way to do it. You can waste a lot of time driving to local insurance agents in your area, or you can stay home and use the web to accomplish the same thing much quicker.

Many popular insurance companies are enrolled in a marketplace that allows shoppers to send in one quote, and every company then returns a price quote based on the submitted data. This eliminates the need for quotation requests for each company you want a rate for. To compare pricing click to open in new window.

The single downside to getting quotes like this is you cannot specify which carriers to get quotes from. If you wish to select from a list of companies to compare rates, we have a listing of companies who write insurance coverage in your area. Click here for list of insurance companies.

Whichever method you choose, ensure you are comparing identical coverage data with every price quote. If you have different liability limits it will be next to impossible to make an equal comparison.

Get cheaper car insurance with discounts

Car insurance is neither fun to buy or cheap, but you may find discounts to cut the cost considerably. Most are applied at the time of quoting, but less common discounts must be asked about in order for you to get them.

• Federal Government Employee – Active or retired federal employment can earn a discount up to 10% for Cruze coverage with a few car insurance companies.
• College Student – Older children who are enrolled in a college that is more than 100 miles from home and leave their car at home may be insured at a cheaper rate.
• Own a Home and Save – Owning a house can save you money because owning a home requires a higher level of personal finance.
• Theft Prevention System – Cars and trucks equipped with anti-theft or alarm systems can help prevent theft and will qualify for a discount on a car insurance quote.
• Multi-line Discount – If the company offers life insurance, you could get a discounted premium rate on car insurance if you buy some life insurance too.
• Paper-free Discount – Many insurance companies give back up to $50 for signing up on the internet.
• Good Students Pay Less – Getting good grades may save as much as 25% on a car insurance quote. This discount can apply up until you turn 25.
• Discounts for Multiple Vehicles – Insuring multiple vehicles with the same car insurance company can reduce rates for all insured vehicles.
• Active Service Discounts – Having a family member in the military could mean lower rates.

Keep in mind that some of the credits will not apply to the overall cost of the policy. The majority will only reduce specific coverage prices like liability and collision coverage. Despite the appearance that it’s possible to get free car insurance, you won’t be that lucky.

A few popular companies and some of the discounts include:

• State Farm may include discounts for accident-free, Steer Clear safe driver discount, multiple policy, multiple autos, anti-theft, safe vehicle, and driver’s education.
• American Family discounts include good driver, early bird, bundled insurance, mySafetyValet, accident-free, and good student.
• Geico offers discounts for anti-theft, defensive driver, good student, anti-lock brakes, emergency military deployment, membership and employees, and air bags.
• 21st Century offers premium reductions for early bird, teen driver, air bags, driver training, and defensive driver.
• Progressive has discounts for good student, online quote discount, homeowner, continuous coverage, and online signing.

It’s a good idea to ask each company or agent which discounts you may be entitled to. Some discounts listed above might not apply in your area. If you would like to see a list of insurance companies who offer free car insurance quotes, follow this link.

Tailor your insurance coverage to you

When it comes to buying coverage for your vehicles, there is no “best” method to buy coverage. Every insured’s situation is different.

These are some specific questions may help highlight if you might need professional guidance.

• How do I buy GAP insurance?
• How much can I save by bundling my policies?
• How much liability coverage do I need in my state?
• I have health insurance so do I need medical payments coverage?
• Where can I get insurance after a DUI in my state?
• How high should my medical payments coverage be?
• What exactly is covered by my policy?
• Is my cargo covered for damage or theft?
• Is borrowed equipment or tools covered if stolen or damaged?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage information

Understanding the coverages of auto insurance can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be confusing and reading a policy is terribly boring.

Comprehensive or Other Than Collision

This pays for damage from a wide range of events other than collision. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, hitting a deer, fire damage and damage from getting keyed. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage provide coverage for short-term medical expenses such as funeral costs, pain medications, dental work, X-ray expenses and EMT expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. It covers both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability insurance can cover damage that occurs to other people or property in an accident. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

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. Your policy might show policy limits of 100/300/100 that translate to $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like structural damage, medical services, bail bonds, court costs and medical expenses. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Collision protection

This coverage covers damage to your Cruze from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as damaging your car on a curb, hitting a parking meter, scraping a guard rail and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Smart consumers save more

We just covered quite a bit of information on how to reduce 2015 Chevy Cruze insurance prices online. It’s most important to understand that the more companies you get rates for, the better likelihood of getting the cheapest car insurance. Drivers may discover the lowest prices come from the smaller companies.

When you buy car insurance online, it’s very important that you do not skimp on coverage in order to save money. There are too many instances where drivers have reduced comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your objective should be to buy a smart amount of coverage for the lowest price and still be able to protect your assets.

People switch companies for many reasons like policy cancellation, not issuing a premium refund, delays in responding to claim requests and denial of a claim. Regardless of your reason, finding the right insurance coverage provider is not as difficult as it may seem.

Additional information

• Prom Night Tips for Teen Drivers (State Farm)
• Auto Insurance Basics (Insurance Information Insitute)
• Red Light Cameras (State Farm)
• When is the Right Time to Switch Car Insurance Companies? (Allstate)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)