Lower Your 2009 Chevrolet Cobalt Car Insurance Quotes

Consumers have lots of choices when looking for the lowest priced Chevy Cobalt insurance. They can either waste time contacting agents trying to get quotes or save time using the internet to get rate quotes.

There is a right way and a wrong way to find insurance online so you’re going to learn the quickest way to get price quotes for a Chevy and locate the best price possible.

Discounts are available to cut your rates

The cost of insuring your cars can be expensive, buy you may qualify for discounts that can drop the cost substantially. Certain discounts will be triggered automatically at the time you complete a quote, but a few must be specifically requested prior to getting the savings. If you aren’t receiving every discount you deserve, you are paying more than you should be.

  • Club Memberships – Belonging to a civic or occupational organization may earn a discount when buying auto insurance for Cobalt insurance.
  • Use Seat Belts – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase life insurance.
  • College Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.

Drivers should understand that most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like liability and collision coverage. So despite the fact that it appears you can get free auto insurance, you won’t be that lucky. Any qualifying discounts will help reduce your premiums.

A partial list of companies who might offer these money-saving discounts include:

It’s a good idea to ask each insurance company how you can save money. Some discounts may not be available in every state.

Everyone needs different coverages

When it comes to choosing adequate coverage for your personal vehicles, there is no “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions might point out if you could use an agent’s help.

  • Am I covered when driving on a suspended license?
  • Is business property covered if stolen from my car?
  • Can I drive in Mexico and have coverage?
  • Does liability extend to a camper or trailer?
  • Am I covered if I hit my neighbor’s mailbox?
  • Is my babysitter covered when using my vehicle?
  • Is my teenager covered with friends in the car?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Are you falling for claims of savings?

Consumers can’t ignore all the ads that promise big savings by GEICO, State Farm and Progressive. They all say the same thing that you can save if you switch to their company.

But how can every company make almost identical claims? It’s all in the numbers.

Different companies can use profiling for the right customer that earns them a profit. For instance, a desirable insured could be over the age of 40, has no tickets, and drives less than 7,500 miles a year. A driver who fits that profile will qualify for the lowest rates and as a result will probably save a lot of money.

Potential customers who do not match the requirements will be quoted higher prices which leads to the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “people who quote” save that much money. This is how insurance companies can confidently advertise the savings.

This emphasizes why you should get quotes from several different companies. It’s not possible to predict which insurance company will give you the biggest savings on Chevy Cobalt insurance.

Educate yourself about auto insurance coverages

Understanding the coverages of auto insurance can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Collision protection

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like driving through your garage door, crashing into a ditch and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible to bring the cost down.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses for pain medications, chiropractic care and X-ray expenses. They can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Comprehensive auto insurance

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as a tree branch falling on your vehicle, damage from a tornado or hurricane and vandalism. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Liability coverages

Liability coverage protects you from damage that occurs to other people or property that is your fault. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like bail bonds, structural damage, emergency aid and medical expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Cobalt.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Take this to the bank

As you prepare to switch companies, don’t be tempted to sacrifice coverage to reduce premiums. There are too many instances where drivers have reduced full coverage and discovered at claim time that it was a big mistake. Your focus should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

We’ve covered a lot of ways to compare 2009 Chevy Cobalt insurance prices online. It’s most important to understand that the more companies you get rates for, the higher your chance of finding lower rates. Consumers may even find the best price on insurance is with a lesser-known regional company.

The cheapest insurance is possible from both online companies and also from your neighborhood agents, so compare prices from both to get a complete price analysis. A few companies may not provide the ability to get a quote online and many times these small, regional companies only sell through independent insurance agents.

Even more information is available by following these links: