How Much Does 2005 Chevrolet SSR Insurance Cost?

Searching for low-cost insurance for a new or used Chevy SSR could be an all-consuming task, but you can use our insurance buying tips to make it easier. There is a better way to find insurance online so we’re going to tell you the absolute fastest way to compare rates for your Chevy and locate the lowest possible price from local insurance agents and online providers.

Consumers should take time to do rate comparisons quite often because prices change regularly. Just because you found the best price on SSR insurance last year a different company probably has better rates today. There is a lot of bad advice regarding insurance on the web, but by reading this article, you’re going to learn some guaranteed methods to quit paying high insurance rates.

Lesser-known factors impacting Chevy SSR insurance rates

Smart consumers have a good feel for the factors that go into determining the price you pay for insurance coverage. When you know what positively or negatively determines base rates enables informed choices that may reward you with big savings.

  • Traffic citations inflate rates – A bad driving record impacts your car insurance rates tremendously. Drivers with clean records tend to pay less for car insurance than bad drivers. Even a single citation may increase your cost forty percent or more. If you have serious violations like hit and run, DWI or reckless driving convictions may find they need to submit a SR-22 form with their state motor vehicle department in order to continue driving.
  • Your occupation can affect rates – Occupations like doctors, architects and dentists tend to pay the highest average rates in part from job stress and lots of time spent at work. Other professions such as actors, historians and the unemployed have the lowest average rates on SSR insurance.
  • Choose a safe vehicle and save – Cars with high safety ratings can get you lower premiums. These vehicles have better occupant injury protection and lower injury rates means less money paid by your insurance company and lower rates for you. If your Chevy SSR is rated at least four stars on it may be receiving lower rates.
  • Car features impact rates – Purchasing a vehicle with a theft deterrent system can get you a discount on your insurance coverage. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your vehicle from being stolen.
  • Better credit means lower rates – A driver’s credit rating is a important factor in calculating your insurance coverage rates. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers who have lower credit scores. So if your credit history can use some improvement, you could save money insuring your 2005 Chevrolet SSR by improving your credit score.
  • Being married can save on insurance coverage – Having a spouse actually saves money on your policy. It translates into being more mature and it’s statistically proven that married drivers get in fewer accidents.

Insurance Prices Online

Cutting your insurance rates is a fairly straight forward process. All you need to do is take a couple of minutes to compare rate quotes online from several insurance companies. This is very easy and can be done in a couple of different ways.

The fastest way consumers can analyze rates would be an industry-wide quote request form like this one (opens in new window). This easy form keeps you from doing repetitive form submissions to each individual insurance company. Completing one form gets you price quotes from several companies. It’s the fastest way to compare.

A slightly less efficient method to obtain and compare quotes online consists of visiting each company website to complete their respective quote request forms. For sake of this example, we’ll pretend you want to compare rates from State Farm, Esurance and Geico. To get each rate you have to visit each site to input your insurance information, and that’s why the first method is more popular.

For a list of links to companies insuring cars in your area, click here.

However you get your quotes, ensure you are comparing apples-to-apples coverage limits and deductibles for each price quote. If you have differing limits it will be next to impossible to decipher which rate is best.

Cut prices on 2005 Chevy SSR insurance

Companies that sell car insurance don’t always publicize all their discounts in an easy-to-find place, so we break down both well-publicized as well as the least known insurance coverage savings. If they aren’t giving you every credit you qualify for, you’re paying more than you need to.

  • No Claims – Drivers with accident-free driving histories pay much less compared to drivers who are more careless.
  • Safe Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less on SSR insurance than their less cautious counterparts.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% on SSR insurance.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Seat Belt Usage – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more on the medical payments or PIP coverage costs.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks with the same company can get a discount on all vehicles.
  • Paperless Signup – Some insurance companies may give you up to $50 for buying your policy on their website.

A little note about advertised discounts, most discount credits are not given to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky.

Companies that may offer these money-saving discounts include:

Before buying, ask each insurance company which discounts you may be entitled to. All car insurance discounts might not apply everywhere.

Tailor your coverage to you

When it comes to choosing adequate coverage for your vehicles, there really is not a “perfect” insurance plan. Everyone’s situation is unique.

These are some specific questions may help you determine if your situation would benefit from an agent’s advice.

  • What is covered by UM/UIM coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Does my insurance cover a custom paint job?
  • Does having multiple vehicles earn me a discount?
  • Should I buy additional glass protection?
  • Is my 2005 Chevy SSR covered for flood damage?
  • Should I waive the damage coverage when renting a car?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form. It is quick, free and may give you better protection.

Specific coverages for a Chevy SSR

Learning about specific coverages of insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive auto coverage

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, hitting a bird and hitting a deer. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses such as dental work, surgery, pain medications and nursing services. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available and may carry a deductible

Collision coverage

This will pay to fix damage to your SSR resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims like sideswiping another vehicle, crashing into a building, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to save money on collision insurance.

Coverage for liability

Liability insurance will cover damages or injuries you inflict on other people or property that is your fault. This coverage protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000.

Liability can pay for things such as medical services, structural damage, medical expenses, attorney fees and loss of income. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.

More quotes. Lower rates.

In this article, we presented many ideas to get a better price on 2005 Chevy SSR insurance. It’s most important to understand that the more quotes you get, the more likely it is that you will get a better rate. You may even discover the best prices are with a smaller regional carrier.

Cost effective insurance can be purchased from both online companies and with local insurance agents, and you need to comparison shop both so you have a total pricing picture. Some insurance companies do not offer online price quotes and these small, regional companies work with independent agents.

As you shop your coverage around, do not reduce needed coverages to save money. Too many times, consumers will sacrifice full coverage only to discover later they didn’t purchase enough coverage. The proper strategy is to get the best coverage possible for the lowest price, not the least amount of coverage.

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