2013 Chevrolet Cruze Insurance Cost

Trying to find better insurance rates for your Chevrolet Cruze? Having to pay for overpriced insurance can empty your bank account and put a big crunch on your finances. Comparison shopping is free and is an excellent way to make sure you’re not throwing money away. With so many different company options, it can be impossible to find the right insurance company.

It’s a great practice to shop coverage around occasionally due to the fact that insurance rates fluctuate regularly. Even if you got the lowest rates on Cruze coverage last year you may be paying too much now. You can find a lot of misleading information regarding insurance online, so by reading this article, you’re going to learn some proven techniques to save money.

Best discounts on Chevy Cruze coverage

Companies do not advertise every discount very clearly, so we took the time to find both the well known and the harder-to-find discounts you could be receiving. If you’re not getting every credit you qualify for, you are paying more than you should be.

  • Safe Drivers – Drivers who avoid accidents can get discounts for up to 45% lower rates on Cruze coverage than their less cautious counterparts.
  • Seat Belt Usage – Drivers who require all occupants to use their safety belts can save 10% or more on the medical payments or PIP coverage costs.
  • College Student – Youth drivers who are attending college without a vehicle on campus may be able to be covered for less.
  • Life Insurance – Some companies give lower rates if you buy a life insurance policy as well.
  • Early Switch Discount – Some companies give discounts for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • New Vehicle Savings – Insuring a new car can cost up to 25% less since new cars are generally safer.
  • Anti-lock Brakes – Vehicles equipped with ABS or steering control can avoid accidents and earn discounts up to 10%.
  • Multi-car Discount – Buying insurance for more than one vehicle with the same company can get a discount on all vehicles.

Consumers should know that most discount credits are not given to the overall cost of the policy. Most cut specific coverage prices like liability and collision coverage. Just because you may think all those discounts means the company will pay you, you’re out of luck.

Companies who might offer these money-saving discounts include:

It’s a good idea to ask all companies you are considering how you can save money. Some discounts may not apply everywhere.

Vehicle Insurance Comparison

Most companies provide coverage price quotes on the web. Getting quotes doesn’t take a lot of time as you simply type in the amount of coverage you want into the quote form. After you complete the form, their system collects credit information and your driving record and returns pricing information based on many factors. Being able to quote online simplifies rate comparisons, but the work required to visit multiple sites and fill out multiple forms is monotonous and tiresome. Unfortunately, it is important to have as many quotes as possible if you want to find the best price possible.

The preferred way to lower your car insurance bill uses one form to get prices from several companies at one time. This type of form saves time, requires much less work on your part, and makes online quotes much more efficient. After sending your information, your coverage is rated and you are able to buy your choice of the quote results. 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 takes less than 15 minutes and you will know how your current rates stack up.

If you want to find out how much you can save on car insurance, click here and complete the simple form. If you currently have coverage, we recommend you copy the insurance coverages exactly as shown on your declarations page. Doing this guarantees you’re receiving a fair comparison for the exact same coverage.

Factors that can influence insurance rates for a Chevy Cruze

Smart consumers have a good feel for the rating factors that play a part in calculating insurance rates. Understanding what controls the rates you pay enables informed choices that could result in big savings.

Shown below are some of the factors insurance companies consider when setting premiums.

  • Little extras can really add up – There are quite a few extra coverages that you can buy on your Cruze policy. Coverages like personal injury protection, towing coverage and term life insurance are some examples. These coverages may sound good when talking to your agent, but if they’re wasting money get rid of them and save.
  • Do you have a high stress job? – Occupations such as lawyers, executives and dentists are shown to have the highest average rates attributed to job stress and lengthy work days. Other jobs such as farmers, historians and the unemployed pay the least on Cruze coverage.
  • Discounts for married couples – Being married can get you a discount when buying insurance. Having a spouse translates into being more responsible and statistics show married couples file fewer claims.
  • Too many insurance claims drive up costs – If you are a frequent claim filer, you can pretty much guarantee either a policy non-renewal or much higher rates. Car insurance companies provide cheaper rates to policyholders who file claims infrequently. Auto insurance is intended for the large, substantial claims.
  • One company can mean more discounts – The majority of insurance companies provide better rates to customers who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, it’s in your best interest to comparison shop to verify if the discount is saving money.
  • With age comes lower rates – More mature drivers are more cautious drivers, tend to file fewer claims and tend to be better behind the wheel. Young drivers are known to be less responsible when driving therefore insurance rates are much higher.
  • Proper usage rating affects rates – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. Most companies rate vehicles determined by how the vehicle is used. Cars used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. Double check that your insurance declarations sheet is showing the correct usage for each vehicle. Incorrect usage on your Cruze can cost quite a bit.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there really is no one size fits all plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions could help you determine if your insurance needs might need professional guidance.

  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When should I not file a claim?
  • Am I insured when driving a different vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • Do I need motorclub coverage?
  • Am I covered if I break a side mirror?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and may give you better protection.

Educate yourself about insurance coverages

Having a good grasp of a insurance policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types found on most insurance policies.

Comprehensive insurance – This coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a broken windshield, vandalism, rock chips in glass, damage from flooding and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Med pay and Personal Injury Protection (PIP) – Med pay and PIP coverage provide coverage for short-term medical expenses for surgery, doctor visits and nursing services. They are utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability insurance – Liability coverage can cover damages or injuries you inflict on people or other property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as bail bonds, loss of income and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Collision coverages – Collision coverage covers damage to your Cruze resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, sideswiping another vehicle, crashing into a building, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy Cruze.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Quote more, save more

Discount 2013 Chevy Cruze insurance can be bought from both online companies as well as from independent agents, and you should be comparing both to have the best chance of lowering rates. Some companies don’t offer online quoting and these regional insurance providers work with independent agents.

You just learned many tips how you can save on insurance. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. Drivers may discover the most savings is with the least-expected company. Regional companies may have significantly lower rates on certain market segments than their larger competitors like GEICO and State Farm.

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