2018 Chevrolet Volt Insurance Quotes

Looking for lower auto insurance rates? Shoppers have options when shopping for low-cost Chevy Volt insurance. They can either waste time calling around to compare prices or leverage the internet to find the lowest rates. There are both good and bad ways to buy auto insurance and we’ll show you the proper way to compare rates for your Chevy and get the best price possible either online or from local insurance agents.

It’s a great practice to quote other rates periodically because auto insurance rates change quite often. Even if you think you had the best rate on Volt insurance a year ago other companies may now be cheaper. Ignore everything you know about auto insurance because it’s time to teach you how to quote online to save money, get proper coverage and the best rates.

If you have a current car insurance policy or need new coverage, you can follow these tips to find the best rates while maintaining coverages. This article will introduce you to the most effective way to quote insurance. Drivers only need an understanding of the most efficient way to get comparison rates online.

Low cost car insurance

All the larger car insurance companies give coverage price quotes from their websites. Doing online quotes is pretty painless because you just enter your coverage preferences into a form. When the form is submitted, their quoting system collects your driving and credit reports and provides a quote.

Online price quotes streamlines rate comparisons, but the work required to visit each company’s website and repetitively type in the same information can be a bit repetitive. Unfortunately, it is important to have as many quotes as possible in order to get the best price possible.

An easier way to compare rates is to use a quote form to obtain quotes from several companies at one time. It’s a real time-saver, eliminates repetitive work, and makes quoting online much more enjoyable and efficient. Immediately after submitting the form, it gets priced and you are able to buy any or none of the quotes returned. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase coverage. The entire process can be completed in a matter of minutes and you will know how your current rates stack up.

To find out what other companies charge, click here to open in a new tab and input your coverage information. If you have a policy now, it’s recommended you replicate deductibles and limits as shown on your current policy. This guarantees you are getting a price comparison based on the exact same insurance coverage.

Insurance coverage policy discounts

Properly insuring your vehicles can get expensive, but you might be missing out on some discounts to help bring down the price. Certain discounts will be applied at the time you complete a quote, but a few must be specifically requested before you will receive the discount. If you are not receiving all the discounts you deserve, you’re just leaving money on the table.

• Anti-lock Brake System – Cars, trucks, and SUVs with anti-lock braking systems are safer to drive so you can save 10 percent or more.
• Low Mileage – Keeping the miles down on your Chevy could earn cheaper rates.
• Distant Student Discount – Kids who are enrolled in higher education away from home and do not have access to a covered vehicle may be insured at a cheaper rate.
• Discount for Life Insurance – Larger insurance coverage companies have a small discount if you purchase life insurance.
• No Claim Discounts – Drivers with accident-free driving histories are rewarded with significantly better rates on insurance coverage quote as opposed to frequent claim filers.
• Federal Government Employee – Active or former government employment can save as much as 8% on Volt insurance with certain companies.
• Military Discounts – Having a family member in the military could qualify you for better premium rates.
• Pay Now and Pay Less – If you pay your bill all at once rather than paying monthly you can avoid the installment charge.

A quick disclaimer, some of the credits will not apply the the whole policy. The majority will only reduce specific coverage prices like liability, collision or medical payments. Just because it seems like you would end up receiving a 100% discount, companies don’t profit that way.

Large insurance coverage companies and the discounts they provide can be read below.

• State Farm offers discounts including good student, safe vehicle, defensive driving training, anti-theft, and driver’s education.
• Progressive may offer discounts for multi-vehicle, online signing, multi-policy, continuous coverage, online quote discount, homeowner, and good student.
• Travelers has discounts for hybrid/electric vehicle, IntelliDrive, home ownership, student away at school, save driver, payment discounts, and good student.
• American Family includes discounts for air bags, good driver, accident-free, TimeAway discount, defensive driver, and mySafetyValet.
• Liberty Mutual offers discounts for preferred payment discount, teen driver discount, exclusive group savings, good student, and multi-car.

When getting free insurance coverage quotes, it’s a good idea to every insurance company to give you their best rates. Some of the discounts discussed earlier might not be available to policyholders in your area.

How do I know if I need professional advice?

When it comes to buying coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

Here are some questions about coverages that can aid in determining whether you would benefit from professional advice.

• Can I afford low physical damage deductibles?
• Do I need replacement cost coverage?
• When do I need to add a new car to my policy?
• Is my babysitter covered when using my vehicle?
• Should I buy full coverage?
• What is covered by UM/UIM coverage?
• I have a DUI can I still get coverage?
• Will my insurance pay for OEM parts?
• Can I afford to pay high deductible claims out of pocket?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Learn how to buy auto insurance more affordably

When buying auto insurance it’s important to understand some of the factors that are used to determine the rates you pay for auto insurance. If you know what determines premiums, this helps enable you to make changes that could result in better auto insurance rates. Multiple criteria are taken into consideration when you quote your car insurance policy. Some are obvious such as your driving history, but some are more transparent such as your marital status or how safe your car is.

• Vehicle features that lower auto insurance rates – Choosing to buy a car with anti-theft technology or alarm system can help lower your premiums. Theft deterrent systems like vehicle immobilizer systems, OnStar, and tracking devices like LoJack all help stop car theft and help bring rates down.
• Adjust comp and collision deductibles and save – Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, protects your Chevy from damage. Some examples of claims that would be covered would be running into the backend of another car, damage caused by hail, and damage from a fallen tree branch. Deductibles for physical damage define how much you are willing to pay before a claim is paid by your company. The more of the claim the insured has to pay upfront, the less your auto insurance will be on Volt insurance.
• Premiums can change based on your address – Living in less populated areas is a positive aspect when it comes to auto insurance. Residents of big cities have more traffic problems and more time behind the wheel. Fewer drivers on the road translates into fewer accidents as well as less vandalism and auto theft.
• Gaps in coverage mean higher premiums – Driving any period of time without insurance can get you a ticket and your next policy will cost more because you let your coverage have a gap. Not only will you pay higher rates, being ticketed for driving with no insurance may result in a fine, jail time, or a revoked license. Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
• Too many auto insurance claims and you’ll pay more – Insurance companies generally give most affordable rates to policyholders who do not file claims often. If you frequently file small claims, you can definitely plan on either a policy non-renewal or much higher rates. Auto insurance is intended for larger claims.
• Don’t cut corners with liability – The liability section of your policy is the protection when you are ruled to be at fault for causing damage or personal injury in an accident. Your policy’s liability insurance provides for a legal defense starting from day one. Liability is cheap when compared with rates for comp and collision, so do not cut corners here.
• Expect high rates for teens – Teen drivers tend to be less responsible when driving therefore auto insurance rates are much higher. Parents adding a beginning driver onto your auto insurance can cause a big jump in price. Mature drivers have been proven to be more responsible, cost insurance companies less in claims and tend to be get fewer driving tickets.
• Accidents increase costs – Careful drivers receive lower rates as compared to careless drivers. Getting just one moving violation can boost insurance rates substantially. Drivers with severe tickets like hit and run, DWI or reckless driving convictions may find they need to file a SR-22 with their state’s licensing department in order to drive a vehicle legally.

Insurance coverage ads bend the truth

Consumers can’t avoid all the ads that promise big savings by companies like Progressive, Geico, Allstate and State Farm. All the companies have a common claim about how much you will save just by moving your insurance coverage coverage to their company.

But how can every company say the same thing?

Many companies give the cheapest rates for the type of driver that makes them money. For example, a preferred risk might be described as over the age of 40, has other policies, and has a short commute. Any new insured who matches that profile will get low prices and as a result will probably save a lot if they switch.

Insureds who don’t meet this ideal profile may receive a higher premium which usually ends up with the customer not buying. The trick companies use is to say “customers who switch” not “everyone who quotes” save that much when switching. That’s why insurance companies can make those statements. Because every company is different, it is so important to get insurance coverage quotes from several different companies. It’s not possible to predict which insurance coverage company will have the lowest rate quotes.

Auto insurance coverage basics

Understanding the coverages of a auto insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a ditch, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like falling objects, hail damage and damage from flooding. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for bills like hospital visits, surgery, prosthetic devices, doctor visits and dental work. They are utilized in addition to your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not available in all states and may carry a deductible

Liability auto insurance

This coverage can cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

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. Your policy might show liability limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage protects against things such as funeral expenses, bail bonds and medical services. The amount of liability coverage you purchase is a personal decision, but consider buying as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Volt.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

A tidy conclusion

Drivers change insurance companies for a number of reasons such as being labeled a high risk driver, poor customer service, extreme rates for teen drivers or even questionable increases in premium. Whatever your reason, choosing a new insurance company is pretty easy and you might even save some money in the process.

Cheap 2018 Chevy Volt insurance can be sourced on the web as well as from insurance agents, so you need to quote insurance coverage with both so you have a total pricing picture. There are still a few companies who don’t offer rates over the internet and most of the time these small insurance companies sell through local independent agents.

When getting insurance coverage quotes online, it’s not a good idea to skimp on critical coverages to save a buck or two. Too many times, someone sacrificed uninsured motorist or liability limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to purchase a proper amount of coverage for the lowest cost while not skimping on critical coverages.

More detailed insurance coverage information is located by following these links:

• Rollover Crash FAQ (iihs.org)
• Property Damage Coverage (Liberty Mutual)
• Insurance Losses by Make and Model (iihs.org)
• Where can I buy Insurance? (Insurance Information Insitute)