How Much Does 2015 Chevrolet SS Car Insurance Cost?

Searching for better insurance rates for your Chevrolet SS? Searching for low-cost insurance on the web can seem to be impossible for consumers new to buying insurance online. With a ridiculous number of insurance companies available, how can drivers possibly compare them all to find the cheapest rates?

The purpose of this post is to instruct you on the best way to quote coverages and some money-saving tips. If you currently have car insurance, you stand a good chance to be able to cut costs considerably using this information. But drivers benefit from understanding the methods companies use to determine prices and apply this information to your search.

Discounts are great for lower rates

Car insurance can cost a lot, but companies offer discounts that you may not know about. Certain discounts will be triggered automatically at the time of purchase, but lesser-known reductions have to be manually applied before being credited.

  • Federal Employees – Employees or retirees of the government could cut as much as 10% off for SS coverage depending on your company.
  • Drive Safe and Save – Insureds without accidents may save up to 50% more for SS coverage than less cautious drivers.
  • Multiple Policy Discount – If you insure your home and vehicles with one company you may earn 10% to 20% off each policy.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can qualify for discounts up to 30%.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems help deter theft and therefore earn up to a 10% discount.
  • Defensive Driving Course – Successfully completing a driver safety course could save 5% or more depending on where you live.
  • Military Rewards – Being deployed with a military unit could mean lower rates.
  • Early Switch Discount – Select companies give a discount for switching to them prior to your current policy expiration. It’s a savings of about 10%.
  • Good Student – This discount can get you a discount of up to 25%. Earning this discount can benefit you until age 25.

Consumers should know that some of the credits will not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like having all the discounts means you get insurance for free, companies don’t profit that way. Any qualifying discounts will cut your overall premium however.

Car insurance companies that may have these discounts may include but are not limited to:

Double check with each company which discounts you may be entitled to. Discounts might not be offered everywhere.

Which Insurance is Cheapest?

To find the best insurance prices, there are several ways to compare rate quotes and find the best price. One of the best ways to find competitive 2015 Chevy SS insurance rates is simply to get online rate quotes. This can be done in just a few minutes using one of these methods.

  1. The most efficient way to get quotes is an all-inclusive rate comparison click here to open form in new window. This easy form prevents you from having to do repetitive form submissions to each individual insurance company. Completing one form gets you price quotes direct from many companies. This is perfect if you don’t have a lot of time.
  2. A different way to compare rate quotes requires a visit to each individual company website to complete their respective quote request forms. For example, let’s assume you want to compare USAA, Progressive and Liberty Mutual. To find out each rate you need to spend time on each company’s site to enter your coverage information, which is why the first method is quicker. To view a list of companies in your area, click here.
  3. The least recommended way of comparing rate quotes is to drive around to different agent offices. The internet has reduced the need for local agents unless you require the professional advice of a licensed agent. However, consumers can get the lowest quotes online but still have the advice of a local agent and you’ll learn how to do that later.

It’s your choice how you get your quotes, but double check that you are using identical coverage information for each comparison quote. If your comparisons have differing limits it’s not possible to decipher which rate is best. Just a small difference in coverage limits may cause a big price difference. And when comparison shopping, comparing more company’s prices will improve the odds of getting the best price.

You may need specialized coverage

When it comes to choosing coverage for your personal vehicles, there is no best way to insure your cars. Every situation is different.

For example, these questions can help discover whether or not you could use an agent’s help.

  • Can my teen driver be rated on a liability-only vehicle?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Is my 2015 Chevy SS covered for flood damage?
  • Do all my vehicles need collision coverage?
  • Am I covered when using my vehicle for business?
  • Do I need roadside assistance coverage?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. If you don’t have a local agent, complete this form.

Car insurance policy specifics

Having a good grasp of your car insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be ambiguous and coverage can change by endorsement.

Comprehensive coverage

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, vandalism, hail damage and damage from getting keyed. The most your car insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability coverage

Liability coverage protects you from damages or injuries you inflict on a person or their property. It protects you from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability insurance covers things such as pain and suffering, repair costs for stationary objects, legal defense fees, court costs and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Chevy SS.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Auto collision coverage

Collision coverage will pay to fix damage to your SS resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as backing into a parked car, hitting a mailbox, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for bills such as dental work, nursing services, doctor visits, chiropractic care and prosthetic devices. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Pennies from heaven

We covered many ideas to lower your 2015 Chevy SS insurance rates. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. Consumers may even find the best price on insurance is with a smaller regional carrier.

Consumers change insurance companies for any number of reasons including questionable increases in premium, high prices, an unsatisfactory settlement offer or even high rates after DUI convictions. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

Budget-conscious insurance can be found both online as well as from independent agents, so compare prices from both in order to have the best price selection to choose from. Some companies don’t offer online price quotes and these small insurance companies work with independent agents.

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