Cheaper 2016 Chevrolet Cruze Limited Insurance Rates

Buyers have options when searching for the best price on Chevy Cruze Limited insurance. You can either waste hours contacting agents getting price quotes or leverage the internet to make rate comparisons. There is a better way to find auto insurance online so we’re going to tell you the quickest way to quote coverages for a new or used Chevy and get the cheapest rates from local insurance agents and online providers.

Smart consumers take time to price shop coverage as often as possible because insurance prices fluctuate regularly. Even if you think you had the best deal on Cruze Limited coverage on your last policy the chances are good that you can find a lower premium rate today. Ignore everything you know about auto insurance because we’re going to demonstrate the best way to get good coverage at a lower rate.

Why your insurance rates might be higher

Many factors are used when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but other factors are not quite as obvious such as whether you are married and annual miles driven.

Shown below are a few of the “ingredients” companies use to determine your rates.

  • A good credit history can save money – Your credit rating will be a significant factor in determining premium rates. Therefore, if your credit history could use some work, you could potentially save money when insuring your 2016 Chevrolet Cruze Limited by improving your credit score. Insureds with high credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit.
  • Prevent theft and save – Selecting a car model with anti-theft technology or alarm system can help bring down rates. Advanced theft deterrents such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all hinder your car from being stolen.
  • Don’t cancel your policy without a new one in place – Driving any period of time without insurance is a big no-no and you will pay a penalty because you let your insurance coverage expire. And not only will insurance be more expensive, failure to provide proof of insurance could result in a hefty fine and possibly a revoked license. You could then be forced to prove you have insurance by filing a SR-22 with your state motor vehicle department.
  • Cautious drivers pay less – Getting just one ticket can increase the cost of insurance forty percent or more. Good drivers tend to pay less for car insurance than their less careful counterparts. Drivers who have license-revoking violations such as DWI, reckless driving or hit and run convictions are required to submit a SR-22 form to the state department of motor vehicles in order to continue driving.
  • Save money with higher physical damage deductibles – Comp and collision deductibles define how much you are willing to pay if you file a covered claim. Physical damage coverage, also called comprehensive and collision insurance, protects your car from damage. Some examples of covered claims would be collision with another vehicle, collision with a deer, and damage from wind. The larger the amount you have to pay, the less money you will pay for insurance coverage on Cruze Limited coverage.
  • Limits of liability protection – A critical coverage on your policy, liability insurance kicks in if you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared to the cost of physical damage coverage, so do not skimp.
  • Safer the car lower the rate – Vehicles with high crash test scores tend to be cheaper to insure. Highly rated vehicles help reduce the chance of injuries in an accident and better occupant protection means your insurance company pays less passed on to you as lower rates. If your Chevy Cruze Limited has ratings of a minimum four stars on or an “acceptable” rating on you may pay a lower rate.
  • Pleasure use or commuting – The higher the miles on your Chevy annually the more it will cost to insure it. Many insurance companies charge to insure your cars based upon how you use the vehicle. Vehicles that sit idle most of the time can get a lower rate than cars that get driven a lot. Make sure your declarations sheet reflects the proper vehicle usage, because it can save money. A policy that improperly rates your Cruze Limited is just wasting money.

How much is insurance?

All major insurance companies such as State Farm and Allstate make it easy to get prices online. Getting online rates is quite easy because it’s just a matter of typing in your required coverages on the page. Upon sending the form, the quote system automatically retrieves information on your driving record and credit history and gives you a price quote.

Online price quotes helps simplify price comparisons, but having to visit a lot of sites and type in the same data can be a bit tiresome and repetitive. But it’s also necessary to get many rate quotes in order to get the lowest possible prices on insurance.

A more efficient way to locate the lowest prices utilizes a single form that gets prices from multiple companies. It’s a real time-saver, helps eliminate reptitive entry, and makes quoting online much simpler. After sending the form, it is quoted and you are able to buy any one of the quotes that you receive. If a lower price is quoted, you can simply submit the application and buy the new coverage. This process takes 15 minutes at the most and can result in significant savings.

To save time and find out what other companies charge, click here to open in a new tab and submit your coverage information. To compare your current rates, we recommend you copy the coverages exactly as they are listed on your policy. This makes sure you will get rate comparison quotes for similar insurance coverage.

Get cheaper rates with these insurance coverage discounts

Insurance coverage can be pricey, but there are discounts available that can drop the cost substantially. Certain discounts will be triggered automatically at the time of quoting, but some discounts are required to be specifically requested before being credited.

  • Government Employees – Active or retired federal employment could cut as much as 10% off on Cruze Limited coverage depending on your insurance coverage provider.
  • Homeowners Discount – Owning a house may earn you a small savings since owning and maintaining a home shows financial diligence.
  • Professional Organizations – Joining qualifying employment or professional organizations can get you a small discount when shopping for insurance coverage.
  • No Claims – Insureds with no claims or accidents get the best insurance coverage rates compared to policyholders that have many claims.
  • Drive Less and Save – Low mileage vehicles could qualify for lower insurance coveragerates due to less chance of an accident.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply to the overall cost of the policy. Some only apply to specific coverage prices like comp or med pay. Even though the math looks like you can get free auto insurance, companies wouldn’t make money that way.

The best insurance coverage companies and a selection of discounts are included below.

  • Farm Bureau offers premium reductions for youthful driver, driver training, good student, safe driver, and renewal discount.
  • State Farm offers discounts for good student, Drive Safe & Save, Steer Clear safe driver discount, passive restraint, driver’s education, multiple autos, and good driver.
  • Progressive may offer discounts for online quote discount, continuous coverage, multi-vehicle, homeowner, multi-policy, good student, and online signing.
  • Allstate offers discounts including resident student, utility vehicle, eSmart discount, defensive driver, auto/life discount, new car, and premier plus.
  • Nationwide discounts include family plan, business or organization, easy pay, defensive driving, Farm Bureau membership, multi-policy, and accident-free.
  • MetLife may have discounts that include defensive driver, good driver, accident-free, good student, multi-policy, claim-free

Double check with each company how many discounts you can get. Some of the earlier mentioned discounts might not be offered in your area.

Insurance can get complicated

When buying coverage, there really is not a “best” method to buy coverage. Each situation is unique.

For instance, these questions can help discover if your insurance needs could use an agent’s help.

  • How much underlying liability do I need for an umbrella policy?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I carry comprehensive and collision coverage?
  • What is PIP insurance?
  • Does my medical payments coverage pay my health insurance deductible?
  • Am I getting all the discounts available?
  • Can I afford low physical damage deductibles?
  • Is extra glass coverage worth it?

If you can’t answer these questions but you think they might apply to your situation then you might want to talk to an agent. If you don’t have a local agent, simply complete this short form. It only takes a few minutes and can help protect your family.

Specific coverages for a Chevy Cruze Limited

Learning about specific coverages of your insurance policy helps when choosing the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Comprehensive coverages

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like falling objects, fire damage, a broken windshield and a tree branch falling on your vehicle. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as X-ray expenses, funeral costs and EMT expenses. They can be used in conjunction with a health insurance program or if you lack health insurance entirely. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Coverage for liability

Liability coverage provides protection from damage that occurs to a person or their property that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability can pay for things like medical expenses, bail bonds and court costs. How much liability should you purchase? That is a decision to put some thought into, but you should buy as large an amount as possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants as well as damage to your 2016 Chevy Cruze Limited.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family.

Coverage for collisions

This coverage covers damage to your Cruze Limited from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like scraping a guard rail, crashing into a building and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Spend less. Save more.

Discount 2016 Chevy Cruze Limited insurance can be found on the web and from local agencies, so you need to shop insurance coverage with both to have the best chance of lowering rates. Some companies may not have the ability to get quotes online and most of the time these smaller providers sell through independent agents.

Consumers leave their current company for a number of reasons such as delays in responding to claim requests, delays in paying claims, not issuing a premium refund and even policy cancellation. It doesn’t matter what your reason, finding a great new company is pretty simple and you could end up saving a buck or two.

You just read quite a bit of information on how to reduce 2016 Chevy Cruze Limited insurance prices online. It’s most important to understand that the more companies you get rates for, the better likelihood of getting inexpensive insurance coverage. You may even find the lowest prices come from a small mutual company.

Additional information can be found below:

Comments About 2016 Chevrolet Cruze Limited Insurance

  1. Ricky Newton

    Lifelong resident of Davenport, IA. Got car insurance quotes with Progressive, Liberty Mutual, and Erie for my Chevrolet and saved $235 a year. Left GEICO to switch. They offer free online rate quotes.

  2. Sarita Hooper

    I got quite a few price quotes for a 2016 Chevrolet Cruze Limited in Philadelphia, PA. Ended up at right around $420 every six months with Amica. Insured with Farmers before.

  3. Genia Hatfield

    Just my two cents. From a town just southwest of Atlanta, Georgia. Quoted with American Family, Encompass, and Mercury for my Cruze Limited and I think I am saving around $50 each month. Insured with Travelers before. It was easy to get rates.

  4. Melany Livingston

    I got decent rates for a 2016 Chevrolet Cruze Limited in Fayetteville, AR. Ended up at right around $350 every six months with American Family.

  5. Terica Whitehead

    Will State Farm cancel if I have a claim?

  6. Stephanie Tyson

    I’m in the south part of South Burlington, VT. Compared rates from a lot of places. Saved right around $70 a month. Progressive was the best choice for me. They have a lot of discounts available. It’s easy to compare rates online now.

  7. Jung Heath

    I got quite a few price quotes for a 2016 Chevrolet Cruze Limited in Jacksonville, FL. Ended up at right around $550 every six months with Amica.

  8. Juliette Valdez

    Quoted with Hartford for my 2016 Chevrolet Cruze Limited and cut my rates about $160 a year. Was with MetLife. I’m a pretty good driver though.

  9. Bertie Pickett

    Not sure what I should be paying. I’m in the south part of Cedar Rapids, IA. Went online for free insurance quotes for a 2016 Chevrolet Cruze Limited. Ended up at about $200 savings annually. Went with Progressive. Left Nationwide to switch. It never hurts to quote around.

  10. Avery Curtis

    I’m in the suburbs of Boston, MA. Received rates from Travelers, Amica, GMAC, and MetLife for my Chevrolet and I think I cut my rates about $50 each month. I get lower rates because of my clean driving record. Wish I didn’t have to insure at all.

  11. Quinton Grant

    Compared auto insurance prices with State Farm and Progressive but still not cheap enough.

  12. Toby Rivers

    I live on the north side of Greensboro, North Carolina. I compared lots of rates. Saved darn near $70 a month. Allstate was the best choice for me. Online quotes are the way to go.

  13. Al Holland

    Anyone know if Allstate does SR-22s?

  14. Nydia Mcdowell

    Thanks for putting this site together. I’m in the east part of Jackson, MS. Can’t remember who all I quoted but I ended up saving about $60 each month. Insured with Erie before. They offer free online rate quotes.