Lower Your 2016 Chevrolet Volt Insurance Cost

Trying to find cheaper auto insurance rates for your Chevrolet Volt? Finding cheap insurance may appear to be difficult at first if you are one of the many people who have never used price quotes online. Don’t let that bother you because comparing prices is actually very simple.

If you have car insurance now, you stand a good chance to be able to save some money using these tips. Finding affordable insurance coverage is not that difficult. But drivers need to learn the methods companies use to sell online because it can help you find the best coverage.

The fastest way that we advise to get policy rate comparisons is to realize most of the bigger providers provide online access to provide you with free rate quotes. All consumers are required to do is give them rating details such as how much coverage you want, any included safety features, how much you drive, and if a SR-22 is required. The data is then sent to many different companies and you should receive rate quotes almost instantly.

Lower rate quotes with discounts

Auto insurance can be pricey, but you might find some hidden discounts that many consumers don’t even know exist. Many of these discounts will be applied automatically when you complete an application, but some must be requested specifically before they will apply.

• Onboard Data Collection – People who choose to allow their insurance company to monitor their driving habits by using a telematic data system such as Drivewise from Allstate or Snapshot from Progressive might see lower rates as long as the data is positive.
• Driver Safety – Taking time to complete a defensive driver course can save you 5% or more and also improve your driving technique.
• Good Student Discount – Maintaining excellent grades may save you up to 25%. You can use this discount normally up to age 25.
• Discount for New Cars – Insuring a new car is cheaper since newer models are generally safer.
• Student Driver Training – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school.
• Federal Government Employee – Simply working for the federal government could cut as much as 10% off for Volt coverage with certain companies.

As a sidenote, most discount credits are not given to the overall cost of the policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears all those discounts means the company will pay you, companies don’t profit that way.

A list of auto insurance companies and some of their more popular discounts are included below.

• Progressive discounts include homeowner, multi-policy, good student, online signing, continuous coverage, online quote discount, and multi-vehicle.
• The Hartford offers discounts for good student, air bag, anti-theft, driver training, defensive driver, vehicle fuel type, and bundle.
• Mercury Insurance includes discounts for multi-policy, low natural disaster claims, annual mileage, anti-theft, ease of repair, and type of vehicle.
• Geico policyholders can earn discounts including military active duty, anti-lock brakes, federal employee, membership and employees, and defensive driver.
• AAA has discounts for pay-in-full, education and occupation, anti-theft, multi-policy, AAA membership discount, and good driver.
• State Farm may offer discounts for multiple autos, safe vehicle, defensive driving training, good driver, and multiple policy.

If you need cheaper insurance quotes, ask every prospective company the best way to save money. Some of the earlier mentioned discounts may not be available in your state. To see a list of auto insurance companies with significant discounts, click this link.

What is the best car insurance coverage?

When it comes to buying the right insurance coverage for your personal vehicles, there really is not a one size fits all plan. Every insured’s situation is different.

For example, these questions might help in determining whether you might need an agent’s assistance.

• How much underlying liability do I need for an umbrella policy?
• Am I covered when driving someone else’s vehicle?
• Should I buy full coverage?
• What is PIP insurance?
• What is the minimum liability in my state?
• Can my teen driver be rated on a liability-only vehicle?
• I have a DUI can I still get coverage?

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 an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Auto insurance coverage information

Having a good grasp of insurance can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Chevy Volt.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Auto liability

This will cover damages or injuries you inflict on a person or their property. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 25/50/25 which means a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like emergency aid, pain and suffering and medical expenses. The amount of liability coverage you purchase is a personal decision, but buy as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as a broken windshield, hitting a bird, theft and fire damage. The most you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills like nursing services, surgery, ambulance fees and doctor visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision protection

This coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for things such as rolling your car, hitting a mailbox and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.