Compare 2015 Chevrolet SS Insurance Quotes

Tired of sacrificing to pay high auto insurance rates every month? Your situation is no different than most other consumers. With consumers having so many companies and agents to choose from, it can be impossible to find the lowest cost company.

It’s a good habit to price shop coverage quite often because insurance rates are usually higher with each renewal. Even if you got the best premium rates on SS coverage six months ago you can probably find a better price now. You can find a lot of misleading information regarding auto insurance online but I’m going to show you some solid techniques on how to quit paying high auto insurance rates.

More affordable rates with these car insurance discounts

Companies that sell car insurance don’t list every discount in an easy-to-find place, so here is a list both the well known and the harder-to-find discounts that may be available.

• Memberships – Having an affiliation with qualifying clubs or civic groups can get you a small discount on car insurance.
• Good Student Discount – Getting good grades can earn a discount of 20% or more. This discount can apply well after school through age 25.
• Senior Discount – If you’re over the age of 55, you may be able to get better car insurance rates on SS coverage.
• Seat Belt Discounts – Forcing all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
• Save with More Vehicles Insured – Having primary and secondary vehicles on the same car insurance policy can get a discount on all vehicles.
• Student in College – Children who are attending college and won’t have access to an insured vehicle may be able to be covered for less.

It’s important to understand that most discount credits are not given to the entire cost. A few only apply to the cost of specific coverages such as medical payments or collision. So even though they make it sound like you can get free auto insurance, companies wouldn’t make money that way.

Larger car insurance companies and their possible discounts can be read below.

• State Farm offers premium reductions for driver’s education, defensive driving training, passive restraint, accident-free, and safe vehicle.
• Geico may offer discounts for membership and employees, anti-lock brakes, federal employee, driver training, military active duty, good student, and air bags.
• Liberty Mutual may have discounts that include preferred payment discount, new vehicle discount, safety features, newly retired, good student, hybrid vehicle, and multi-policy.
• The Hartford may include discounts for vehicle fuel type, air bag, driver training, defensive driver, anti-theft, bundle, and good student.
• MetLife includes discounts for good student, multi-policy, claim-free, accident-free, and defensive driver.
• Progressive discounts include multi-policy, continuous coverage, good student, multi-vehicle, and homeowner.

If you need lower rates, check with each insurance company which discounts can lower your rates. All car insurance discounts might not be offered in your area. To find providers offering car insurance discounts, follow this link.

Shop auto insurance online

There are several ways to compare auto insurance prices and some are less labor-intensive and much quicker. You could waste a few hours talking to agents in your area, or you can stay home and use the web to achieve your goal.

Many companies take part in a program where prospective buyers complete one form, and at least one company then returns a price quote determined by their information. This eliminates the need for quote requests for every auto insurance company.

To enter your information into the quoting system, click here (opens in new window).

One minor caviat to getting quotes like this is buyers cannot specifically choose the providers you will receive quotes from. So if you want to choose individual companies to compare prices, we have a page of low cost auto insurance companies in your area. Click here for list of insurance companies.

Whichever way you use, try to keep nearly identical coverage data on every quote you get. If you use unequal deductibles or liability limits it’s not possible to get a fair rate comparison.

Insurance coverage can get complicated

When buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Each situation is unique so your insurance needs to address that. These are some specific questions might point out whether you would benefit from professional advice.

• Is upholstery damage covered by car insurance?
• Do I need rental car coverage?
• Am I covered when driving someone else’s vehicle?
• Am I getting all the discounts available?
• Do I need medical payments coverage since I have good health insurance?
• If my pet gets injured in an accident are they covered?
• Am I covered when driving on a suspended license?
• Is a fancy paint job covered?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, fill out this quick form or you can also visit this page to select a carrier It only takes a few minutes and can help protect your family.

Specific coverage details

Understanding the coverages of your policy can help you determine the right coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement. These are the usual coverages available from insurance companies.

Collision – Collision insurance covers damage to your SS caused by collision with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things like colliding with another moving vehicle, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and also any damage incurred to your 2015 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. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are identical to your policy’s liability coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses like funeral costs, X-ray expenses, chiropractic care, EMT expenses and dental work. They are utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage (or Other than Collision) – Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a bird, a broken windshield and vandalism. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto liability – This protects you from damage that occurs to people or other property. It protects you against claims from other people, and doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 100/300/100 that translate to a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like legal defense fees, bail bonds, repair costs for stationary objects, structural damage and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Don’t break the bank

We just showed you a lot of information how to shop for 2015 Chevy SS insurance online. The key concept to understand is the more providers you compare, the better your chances of lowering your rates. Consumers could even find that the most savings is with some of the lesser-known companies. These companies may only write in your state and offer lower rates than the large multi-state companies such as State Farm or Progressive.

Cost effective 2015 Chevy SS insurance is available from both online companies in addition to local insurance agencies, so get free insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies do not offer rates over the internet and most of the time these regional insurance providers provide coverage only through independent agents.

Even more information can be found at these sites:

• Distracted Driving Statistics (Insurance Information Insitute)
• Air Bags: Potential Dangers to Your Children (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Credit and Insurance Scores (Insurance Information Insitute)
• Cellphones, Texting and Driving (iihs.org)