Compare 2012 Chevrolet Captiva Sport Car Insurance Rates

Want lower auto insurance rates for your Chevrolet Captiva Sport? Perplexed by the sheer number of auto insurance choices? Many other consumers are too. There are so many choices that it can be a lot of work to find better rates.

Finding cheaper auto insurance is quite easy. Essentially every vehicle owner who carries auto insurance should be able to find lower rates. Nevertheless, consumers need to learn how insurance companies price insurance differently.

Don’t miss out on these money-saving discounts

Car insurance can cost a lot, but discounts can save money and there are some available to help offset the cost. Certain discounts will be triggered automatically at the time of quoting, but some must be inquired about prior to receiving the credit.

  • Memberships – Participating in certain professional organizations could trigger savings on car insurance on Captiva Sport coverage.
  • Save over 55 – If you’re over the age of 55, you may receive a discount up to 10% on Captiva Sport coverage.
  • Theft Prevention System – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Distant Student – Children who are attending college and do not have a car can receive lower rates.
  • Bundle and Save – When you have multiple policies with one company you will save approximately 10% to 15%.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.
  • Military Rewards – Having a deployed family member could mean lower rates.
  • Own a Home – Simply owning a home can save you money because maintaining a house requires personal responsibility.
  • Defensive Driving Course – Completing a course in driver safety can save you 5% or more depending on where you live.
  • Claim Free – Claim-free drivers can earn big discounts as compared to bad drivers.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates all the discounts add up to a free policy, you won’t be that lucky. But all discounts will reduce the amount you have to pay.

A partial list of companies that possibly offer these discounts are:

Before buying, ask every prospective company which discounts you may be entitled to. Savings may not be available in your area.

Low Cost Auto Insurance

Effectively comparing auto insurance prices can take hours if you aren’t aware of the most efficient way to do it. You could waste a few hours discussing policy coverages with insurance agencies in your area, or you can stay home and use online quoting to get the quickest rates.

Many insurance companies participate in an industry program that allows shoppers to send in one quote, and each company can provide price quotes based on the submitted data. This saves time by eliminating quotation requests to every company.

To fill out one form to compare multiple rates now click to open in new window.

The only drawback to doing it this way is you can’t choose the insurers to receive prices from. If you wish to select specific providers to compare rates, we have a page of auto insurance companies in your area. View list of insurance companies.

However you get your quotes, make darn sure you compare the exact same coverages for every company. If you compare different liability limits it’s impossible to determine the best price for your Chevy Captiva Sport. Slightly different coverages may cause a big price difference. And when quoting auto insurance, remember that comparing more company’s prices gives you a better chance of getting the best price.

Chevy Captiva Sport rate determination is complex

An important part of buying insurance is that you know the factors that help determine insurance coverage rates. Understanding what impacts premium levels enables informed choices that could result in lower insurance coverage prices.

  • How your age affects price – Older drivers are viewed as being more responsible, tend to file fewer claims and receive fewer citations. Youthful drivers are known to be careless and easily distracted behind the wheel therefore insurance coverage rates are much higher.
  • Do you work long hours in a high stress job? – Did you know your occupation can influence how much you pay for insurance coverage? Occupations such as doctors, business owners and dentists have the highest average rates in part from job stress and lengthy work days. Other professions such as actors, historians and homemakers get better rates on Captiva Sport coverage.
  • Liability coverage is cheap – The liability section of your policy is the coverage that protects you if a court rules you are at fault for damages caused by your negligence. Liability provides you with a defense in court which can be incredibly expensive. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not skimp.
  • Drive less and save money – The higher the mileage driven in a year’s time the higher your rate. Almost all companies price each vehicle’s coverage based upon how you use the vehicle. Cars that are left in the garage can get a lower rate than vehicles that are driven to work every day. Verify your insurance coverage declarations sheet shows the correct usage for each vehicle, because it can save money. If your policy improperly rates your Captiva Sport can cost quite a bit.
  • Higher safety ratings means cheaper insurance – Safer cars can get you lower premiums. Safe vehicles have better occupant injury protection and any reduction in injury severity translates into fewer and smaller insurance claims and thus lower rates. If the Chevy Captiva Sport earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may qualify for a discount.
  • You might want pay the small claims yourself – Auto insurance companies provide discounts to policyholders who do not file claims often. If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Car insurance is designed for the bigger claims that can’t be paid out-of-pocket.

Do I need special coverages?

When it comes to choosing adequate coverage for your personal vehicles, there really is not a single plan that fits everyone. Each situation is unique.

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

  • Do I have coverage for damage caused while driving under the influence?
  • Can I make deliveries for my home business?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Should I rate my 2012 Chevy Captiva Sport as pleasure use or commute?
  • What should my uninsured motorist coverage limits be in my state?
  • What are the best liability limits?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Why am I required to buy liability insurance?
  • Is a new car covered when I drive it off the dealer lot?
  • Is a fancy paint job covered?

If you don’t know the answers to these questions, you might consider talking to an agent. To find an agent in your area, fill out this quick form.

Auto insurance policy coverages for a Chevy Captiva Sport

Understanding the coverages of auto insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Liability – This can cover damages or injuries you inflict on people or other property that is your fault. It protects YOU from claims by other people, and does not provide coverage for 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. Your policy might show liability 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 a total limit of $50,000 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 can pay for things such as court costs, repair costs for stationary objects, medical services and emergency aid. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.

UM/UIM Coverage – This coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

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 very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision coverage – Collision insurance pays for damage to your Captiva Sport caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like scraping a guard rail, sideswiping another vehicle, hitting a parking meter, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also increase the deductible in order to get cheaper collision rates.

Medical costs insurance – Med pay and PIP coverage provide coverage for bills such as funeral costs, pain medications, surgery, dental work and ambulance fees. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, a broken windshield and vandalism. The most you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Power to the consumer

People change insurance companies for any number of reasons including being labeled a high risk driver, unfair underwriting practices, not issuing a premium refund or even denial of a claim. It doesn’t matter why you want to switch switching companies is less work than it seems.

We just covered a lot of information how to shop for 2012 Chevy Captiva Sport insurance online. It’s most important to understand that the more providers you compare, the better likelihood of reducing your rate. Drivers may discover the most savings is with a small mutual company.

The cheapest insurance is possible online and also from your neighborhood agents, and you need to price shop both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

Additional detailed information is available in these articles: