2016 Chevrolet Cruze Insurance Quotes – 9 Savings Tips

Want better car insurance rates for your Chevrolet Cruze? Finding the most affordable car insurance over the internet can seem to be overwhelming for people new to buying their car insurance online. With so many options of companies, how are people expected to have time to compare every company to locate cheaper car insurance prices?

Consumers should take time to price shop coverage quite often since prices fluctuate regularly. Even if you got the best quotes on Cruze insurance on your last policy there is a good chance you can find better rates now. Forget all the misinformation about car insurance because we’re going to demonstrate the tricks you need to know to get good coverage at a lower rate.

If you are paying for car insurance now, you will be able to lower your premiums substantially using these tips. Finding cheaper insurance coverage is not that difficult. But consumers must understand the way insurance companies market on the web and use this information to your advantage.

These nine discounts can lower your insurance quotes

Insurance is not inexpensive, but there’s a good chance there are discounts that many people don’t even know exist. Some trigger automatically at the time of quoting, but some may not be applied and must be requested specifically before they will apply.

• Discounts for Safe Drivers – Accident-free drivers can pay as much as 50% less on Cruze insurance as compared to drivers with claims.
• Defensive Driver Discounts – Participating in a class that teaches safe driver techniques could save 5% or more and easily pay for the cost of the class.
• Distant College Student Discount – Older children who are attending college and do not have a car can be insured at a reduced rate.
• Save with a New Car – Buying insurance coverage on a new vehicle can save you some money since new vehicles are generally safer.
• Theft Prevention System – Cars and trucks that have factory anti-theft systems are stolen with less frequency and can earn a small discount on your policy.
• Discount for Life Insurance – Select insurance companies reward you with lower prices if you buy life insurance from them.
• Membership in Organizations – Having an affiliation with specific professional or occupational memberships or organizations may earn a discount when getting a auto insurance quote.
• Smart Student Discounts – Getting good grades may save you up to 25%. The discount lasts until age 25.
• Policy Bundle Discount – If you combine your home and auto policies and insure them both with the same insurance company you could earn a discount of as much as 10 to 15 percent.

A little disclaimer on discounts, most discounts do not apply to the overall cost of the policy. Most cut specific coverage prices like medical payments or collision. Despite the appearance that you would end up receiving a 100% discount, you won’t be that lucky.

Larger insurance companies and the discounts they provide can be found below.

• Travelers has discounts for payment discounts, early quote, hybrid/electric vehicle, IntelliDrive, continuous insurance, driver training, and home ownership.
• 21st Century offers premium reductions for teen driver, student driver, 55 and older, theft prevention, anti-lock brakes, and automatic seat belts.
• State Farm offers discounts for passive restraint, accident-free, good driver, Steer Clear safe driver discount, and safe vehicle.
• Geico includes discounts for emergency military deployment, anti-theft, seat belt use, membership and employees, defensive driver, and air bags.
• SAFECO may have discounts that include teen safety rewards, accident prevention training, homeowner, anti-lock brakes, bundle discounts, and safe driver.
• AAA offers discounts including education and occupation, multi-car, good driver, good student, pay-in-full, and AAA membership discount.

Check with all the companies how you can save money. Some of the earlier mentioned discounts may not be available in your area.

The quickest method we recommend to compare policy rates utilizes the fact car insurance companies participate in a system to give you rate quotes. The only thing you need to do is give them some information like if you went to college, if it has an alarm system, whether you have decent credit, and level of coverage desired. Your information is instantly provided to all major companies and you receive quotes quickly.

If you would like to start a quote now, click here and enter your coverage details.

Different people need different auto insurance coverages

When choosing adequate coverage, there really is no best way to insure your cars. Every situation is different.

Here are some questions about coverages that can help discover if your situation might need an agent’s assistance.

• Am I covered when driving a rental car?
• Do I have coverage when making deliveries for my home business?
• Is my Chevy Cruze covered if I use it for business?
• Where can I get insurance after a DUI in my state?
• Will I lose any money if I cancel my policy before it expires?
• Is my 2016 Chevy Cruze covered for flood damage?
• When should I not file a claim?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Is my cargo covered for damage or theft?

If you don’t know the answers to these questions, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form.

Information about specific coverages

Understanding the coverages of your insurance policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision protection

This will pay to fix damage to your Cruze from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sustaining damage from a pot hole, colliding with a tree, hitting a mailbox, backing into a parked car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible to bring the cost down.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like funeral costs, chiropractic care, dental work and hospital visits. They are often utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. PIP is not available in all states and may carry a deductible

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, falling objects, theft and vandalism. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages do not exceed the liability coverage limits.

Auto liability insurance

Liability coverage provides protection from injuries or damage you cause to a person or their property that is your fault. 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 a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like medical services, pain and suffering and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Be a Smart Shopper

The cheapest 2016 Chevy Cruze insurance can be purchased from both online companies and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. Some companies do not offer online rate quotes and most of the time these smaller companies provide coverage only through independent agents.

Drivers change insurance companies for a variety of reasons including an unsatisfactory settlement offer, being labeled a high risk driver, delays in responding to claim requests or denial of a claim. Regardless of your reason for switching companies, choosing a new company is less work than it seems.

We covered some good ideas how you can shop for 2016 Chevy Cruze insurance online. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. You may even discover the best price on auto insurance is with a smaller regional carrier.

Additional information

• Preventing Carjacking and Theft (Insurance Information Insitute)
• How do I File a Claim? (Insurance Information Insitute)
• Airbag FAQ (iihs.org)
• Should I Buy a New or Used Car? (Allstate)