2016 Chevrolet SS Insurance Rates – 7 Tips to Save

Wish you could get out of high-priced car insurance? It’s quite common and many consumers feel financially strained by their car insurance policy. You have multiple insurance companies to choose from, and although it’s a good thing to have multiple companies, more choices can make it harder to find a good deal.

Shopping for the best protection can be fairly easy. If you are insured now or are just looking to switch companies, you can learn to reduce the price you pay while maintaining coverages. Vehicle owners just need to learn the best way to compare company rates online.

Lower rates by qualifying for these seven discounts

Some companies don’t necessarily list all available discounts very clearly, so the list below details a few of the more common and also the more inconspicuous credits available to bring down your rates.

  • Accident Forgiveness Coverage – Not a discount per se, but a handful of insurance companies may permit one accident without the usual rate increase if you have no claims for a particular time prior to the accident.
  • E-sign Discounts – Some of the larger companies give back up to $50 shop car insurance on your computer.
  • Savings for New Vehicles – Adding a new car to your policy can cost up to 25% less because newer vehicles are generally safer.
  • Distant College Student Discount – Youth drivers living away from home attending college and don’t have a car can receive lower rates.
  • Claim-Free Discount – Insureds with no claims or accidents have much lower rates as opposed to drivers who are more careless.
  • Good Student – Being a good student may save as much as 25% on a car insurance quote. The good student discount can last well after school through age 25.
  • Discount for Life Insurance – If the company offers life insurance, you could get a discounted price on car insurance if you buy life insurance from them.

Please keep in mind that most discounts do not apply to your bottom line cost. Most cut specific coverage prices like physical damage coverage or medical payments. Even though it may seem like adding up those discounts means a free policy, it’s just not the way it works. But all discounts will positively reduce your premiums.

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

  • Farmers Insurance discounts include switch companies, youthful driver, alternative fuel, mature driver, distant student, electronic funds transfer, and early shopping.
  • Esurance offers discounts including good student, homeowner, DriveSense, Pac-12 alumni, defensive driver, safety device, and claim free.
  • State Farm includes discounts for Drive Safe & Save, Steer Clear safe driver discount, accident-free, anti-theft, good student, multiple autos, and multiple policy.
  • GEICO may offer discounts for multi-policy, military active duty, five-year accident-free, seat belt use, multi-vehicle, and driver training.
  • Allstate may have discounts that include FullPay discount, EZ pay plan discount, early signing, 55 and retired, and premier plus.

Before purchasing a policy, check with all companies you are considering which discounts can lower your rates. A few discounts may not apply to policies in your area. If you would like to view insurance companies offering insurance discounts, click here.

How to buy insurance coverage online

Finding a lower price on 2016 Chevy SS insurance isn’t really that difficult. Drivers just need to invest a few minutes getting comparison quotes online with multiple companies. It’s super easy and can be done using one of these methods.

  1. The simplest way to find the lowest comparison rates is a comparison rater form click to view form in new window. This form eliminates the need for separate quotes for each price estimate. In just a few minutes this one form gets coverage cost estimates direct from many companies.
  2. A more difficult way to get comparison quotes is spending the time to visit the website of each company and get a separate price quote. For sake of this example, we’ll pretend you want to see prices from GEICO, Allstate and GMAC. You would have to take the time to go to each site and type in your information over and over, which can get rather old. For a list of links to companies insuring cars in your area, click here.

The method you choose is up to you, but do your best to use exactly the same information on every quote. If you compare different limits and deductibles on each one you will not be able to make an equal comparison.

Auto insurance is unique, just like you

When buying the right insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different so your insurance needs to address that. These are some specific questions can aid in determining if you may require specific advice.

  • Why do I need rental car insurance?
  • Does coverage extend to my business vehicle?
  • Am I better off with higher deductibles on my 2016 Chevy SS?
  • What companies insure drivers after a DUI or DWI?
  • I have good health insurance, so how much medical payments coverage do I need?
  • If I drive on a suspended license am I covered?
  • When does my teenage driver need to be added to my policy?
  • Is my Chevy SS covered if I use it for business?
  • If my pet gets injured in an accident are they covered?
  • Does medical payments coverage apply to all occupants?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Auto insurance coverages

Learning about specific coverages of a car insurance policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types found on the average car insurance policy.

Liability car insurance

This provides protection from damage or injury you incur to people or other property in an accident. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for things such as emergency aid, repair bills for other people’s vehicles and loss of income. How much coverage you buy is a personal decision, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Chevy SS.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Medical payments coverage and PIP

Med pay and PIP coverage pay for immediate expenses for things like funeral costs, X-ray expenses and EMT expenses. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as rock chips in glass, damage from a tornado or hurricane and a broken windshield. The maximum payout you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Coverage for collisions

This coverage pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as hitting a mailbox, rolling your car, sustaining damage from a pot hole, driving through your garage door and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible to save money on collision insurance.

Best coverage at the best price

More affordable auto insurance can be purchased from both online companies as well as from insurance agents, and you should compare price quotes from both to have the best chance of lowering rates. A few companies may not offer online quoting and many times these regional carriers only sell through independent insurance agents.

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, an accident victim reduced uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. Your aim should be to buy enough coverage for the lowest price while still protecting your assets.

Additional auto insurance information can be read at these links:

Comments About 2016 Chevrolet SS Insurance

  1. Laureen Fox

    What exactly does liability cover?

  2. Heike Moss

    2016 Chevrolet SS + Progressive = GOOD RATES!

  3. Francisco Valencia

    All companies are crooks. Checking in from Portland, OR. Compared quite a few companies. Saved darn near $50 a month. State Farm was the most affordable for me. Teenage drivers are expensive! Hardly afford to drive anymore.

  4. Lucienne Hood

    Corporate greed I’m telling you. Got a quote with GEICO for my Chevrolet and cut my rates about $490 a year. I have kids on my policy, too.

  5. Albert Morrison

    Does GEICO do SR22s in Michigan?

  6. Antony Kemp

    Nice post. I’m in the south part of Concord, NH. Quoted a bunch of companies. Saved right around $70 a month. GEICO was the cheapest option for me.

  7. Charles Dorsey

    Well-written and thought out article. I’m in the west part of Kansas City, MO. Checked online prices for a 2016 Chevrolet SS. Ended up at about $500 savings annually. Went with State Farm. Insured with Esurance before.

  8. Ellyn Preston

    I chose to switch to GEICO from AIG Insurance. I live in Fargo, ND.

  9. Valda Duffy

    Here’s my info. From northwest of Buffalo, New York. Quoted quotes from 21st Century, Farmers, and Liberty Mutual for my Chevrolet and I’m now saving $37 a month.