Lower Your 2015 Chevrolet Volt Car Insurance Rates

Want cheaper auto insurance rates? Drivers have options when trying to find the lowest priced Chevy Volt insurance. They can either waste time struggling with agents to get rate comparisons or leverage the internet to get rate quotes. There is a better way to find auto insurance online and you need to know the best way to quote coverages for a Chevy and get the best price possible from local insurance agents and online providers.

If you are insured now or need new coverage, you will benefit by learning to find better prices while maximizing coverage. The purpose of this article is to introduce you to how car insurance quotes work. Consumers just need to learn the proper way to compare rates over the internet.

Verify you’re earning every discount

Some companies do not advertise their entire list of discounts in an easy-to-find place, so the below list has a few of the more well known and also the lesser-known discounts that you can inquire about if you buy car insurance online.

• College Student Discount – Any of your kids who attend college more than 100 miles from home and leave their car at home may be insured at a cheaper rate.
• Government Employees – Having worked for a branch of the government can earn a discount up to 10% for Volt insurance with some insurance coverage companies.
• Defensive Driver – Taking part in a safe driver class could save 5% or more and make you a better driver.
• Low Mileage Discounts – Driving less could earn cheaper rates.
• Anti-theft Discount – Anti-theft and alarm system equipped vehicles prevent vehicle theft and can earn a small discount on your policy.

As a footnote on discounts, many deductions do not apply to all coverage premiums. Most only cut the price of certain insurance coverages like liability, collision or medical payments. Just because you may think adding up those discounts means a free policy, nobody gets a free ride.

If you would like to see a list of companies who offer free insurance coverage quotes, click here to view.

When should I discuss my situation with an agent?

When it comes to buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Each situation is unique.

These are some specific questions might help in determining if your insurance needs would benefit from professional advice.

• Do I need an umbrella policy?
• Why do I only qualify for high-risk insurance?
• Am I covered if I hit a deer?
• What if I don’t agree with a claim settlement offer?
• Are rock chip repairs covered?
• Do I need rental car coverage?
• Is my dog or cat covered if injured in an accident?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and can provide invaluable advice.

Car insurance buyers beware

Consumers constantly see and hear ads that promise big savings from companies such as Allstate, Geico and Progressive. All the companies make the same claim that you can save just by switching your coverage to them.

How is it plausible that every one can claim to save you money? You have to listen carefully.

Companies have a certain “appetite” for the type of insured that earns them the most money. For example, a desirable risk should be over the age of 45, has never had a policy lapse, and drives a safe vehicle. Any person that fits those parameters will probably get cheap rates and will most likely save when switching.

People who don’t meet these standards will have to pay higher premium rates and business going elsewhere. The ads state “people who switch” not “everyone who quotes” save money. This is how insurance companies can make claims like that. This really drives home the point why you really should get price quotes at each policy renewal. It is impossible to guess which insurance companies will be your best fit.

Car insurance 101

Learning about specific coverages of your car insurance policy can be of help when determining the best coverages and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your 2015 Chevy Volt.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision coverage – This pays for damage to your Volt caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, rolling your car, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP – Med pay and PIP coverage pay for short-term medical expenses such as funeral costs, hospital visits, prosthetic devices, EMT expenses and surgery. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Liability coverages – Liability coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000.

Liability coverage pays for things like court costs, medical services and funeral expenses. How much coverage you buy is up to you, but you should buy as much as you can afford.

Comprehensive coverage – Comprehensive insurance covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, damage from getting keyed and damage from a tornado or hurricane. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Be a penny pincher

Affordable 2015 Chevy Volt insurance is attainable on the web and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not offer the ability to get a quote online and these small, regional companies prefer to sell through independent agents.

Insureds change insurance companies for a variety of reasons including denial of a claim, an unsatisfactory settlement offer, policy non-renewal or even lack of trust in their agent. It doesn’t matter why you want to switch switching insurance coverage companies can be less work than you think.

When shopping online for insurance coverage, do not skimp on critical coverages to save a buck or two. In many cases, someone dropped physical damage coverage only to regret at claim time that the few dollars in savings costed them thousands. Your strategy should be to get the best coverage possible at a price you can afford while not skimping on critical coverages.

To read more, link through to the resources below:

• Vehicle Size and Weight FAQ (iihs.org)
• Distracted Driving Statistics (Insurance Information Insitute)
• Safety Tips for Teen Drivers (Insurance Information Insitute)
• Senior Drivers (Insurance Information Insitute)
• Older Driver Statistics (Insurance Information Insitute)