2012 Chevrolet Captiva Sport Insurance Rates

Trying to find better insurance rates for your Chevrolet Captiva Sport? Searching for the cheapest insurance on the web is challenging for beginners to buying insurance online. When there are so many insurers to choose from, how can consumers have a chance to compare them all to find the lowest price?

If you are paying for car insurance now, you should be able to cut costs considerably using these techniques. The purpose of this article is to help educate you on how to get online quotes. But consumers need to learn how big insurance companies market on the web.

Why your Chevy Captiva Sport insurance rates may be high

An important part of buying insurance is that you know some of the elements that help determine the rates you pay for insurance. When you know what positively or negatively influences your rates empowers consumers to make smart changes that may reward you with better insurance rates.

The following are a partial list of the pieces used by your company to calculate rates.

  • No coverage gaps is important – Allowing your insurance policy to lapse will be a guaranteed way to bump up your insurance costs. Not only will you pay more, but being ticketed for driving with no insurance will get you a steep fine or even jail time.
  • More people means more accidents – Residing in small towns and rural areas can save you money when talking about insurance. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft. City drivers have traffic congestion and longer commutes to work. More time commuting translates into higher accident risk.
  • Where do you drive? – Driving more miles in a year’s time the higher your rates will be. Almost all companies charge to insure your cars based upon how you use the vehicle. Autos used primarily for pleasure use can get a lower rate than vehicles that are driven to work every day. Improper usage on your Captiva Sport may be wasting your money. Double check that your insurance coverage properly reflects the proper vehicle usage, because it can save money.
  • Do you need the policy add-ons? – There are a lot of add-on coverages that can waste your money if you aren’t careful. Insurance for vanishing deductibles, accident forgiveness and additional equipment coverage may be costing you every month. These coverages may sound good when talking to your agent, but now you might not need them so eliminate the coverages to reduce your premium.
  • Higher safety ratings means cheaper insurance – Vehicles with good safety scores can get you lower premiums. These vehicles reduce injuries and fewer injuries means lower claim amounts passed on to you as lower rates. If your Chevy Captiva Sport scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Men are more aggressive – Statistics have proven that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Both sexes cause accidents in similar numbers, but the males have costlier accidents. They also get more serious tickets like DUI and reckless driving. Youthful male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • Discounts for married couples – Getting married can get you a discount when buying insurance. It is viewed as being more responsible and statistics show drivers who are married are more cautious.

Auto Insurance Comparisons

There are a lot of ways to shop for auto insurance, but there is one way that is less labor-intensive and much quicker. You can waste hours talking about coverages with insurance companies in your area, or you can stay home and use online quotes to get the quickest rates.

Many of the larger companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each participating company returns a competitive quote based on that data. This saves time by eliminating quote forms for each company. To access this free quoting program, click to open in new window.

The single downside to doing it this way is you don’t know exactly the insurers you want pricing from. If you prefer to choose from a list of companies to compare, we have assembled a list of auto insurance companies in your area. Click here for list of insurance companies.

However you get your quotes, double check that you are using exactly the same coverages and limits on every quote you get. If the quotes have different limits and deductibles on each one you will not be able to determine the lowest rate for your Chevy Captiva Sport. Quoting even small variations in insurance coverages can mean a large discrepancy in price. It’s important to know that quoting more provides better odds of finding the best offered rates.

Save $441 a year. For real?

Companies like 21st Century, Allstate and State Farm consistently run ads in print and on television. All the ads make an identical promise that you can save if you change your coverage to them. How can each company make almost identical claims?

All the different companies are able to cherry pick for the driver that is profitable for them. An example of a preferred risk might be profiled as between 30 and 50, insures multiple vehicles, and chooses high deductibles. A customer who meets those qualifications will get the preferred rates and therefore will save a lot of money.

Drivers who are not a match for this ideal profile will have to pay higher premiums which usually ends up with the customer not buying. Company advertisements say “drivers who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can advertise the savings.

Because of the profiling, drivers should compare many company’s rates. It’s just too difficult to predict which insurance coverage company will provide you with the cheapest Chevy Captiva Sport insurance rates.

Are you getting all your discounts?

Insuring your fleet can be pricey, but discounts can save money and there are some available that you may not know about. Certain discounts will be applied at the time of purchase, but less common discounts must be manually applied before they will apply.

  • No Claims – Claim-free drivers pay much less compared to frequent claim filers.
  • Braking Control Discount – Vehicles equipped with ABS or steering control can avoid accidents and qualify for as much as a 10% discount.
  • Fewer Miles Equal More Savings – Driving fewer miles could qualify for lower rates on the low mileage vehicles.
  • Drivers Education – Cut your cost by having your teen driver enroll in driver’s education if offered at their school.
  • Distant Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus may qualify for this discount.
  • Government Employees – Active or retired federal employment may qualify you for a discount for Captiva Sport insurance with certain companies.
  • Paperless Signup – A few companies give back up to $50 simply for signing digitally online.
  • Passive Restraints and Air Bags – Factory air bags or motorized seat belts can receive discounts of more than 20%.
  • Multi-policy Discount – When you have multiple policies with the same company you will save 10% to 20% off each policy.

It’s important to note that most discount credits are not given to the entire policy premium. Most only apply to the cost of specific coverages such as collision or personal injury protection. Just because you may think adding up those discounts means a free policy, companies don’t profit that way. Any qualifying discounts will bring down the amount you have to pay.

A partial list of companies that may have these discounts include:

Double check with each company what discounts are available to you. All car insurance discounts might not apply in every state.

When might I need an agent?

When it comes to choosing coverage, there really is no cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out whether or not you may require specific advice.

  • Why am I required to get a high-risk car insurance policy?
  • Should I buy full coverage?
  • Why am I required to buy liability insurance?
  • Does liability extend to a camper or trailer?
  • Do I have any recourse if my insurance company denies a claim?
  • How much liability insurance is required?

If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Auto insurance coverage breakdown

Knowing the specifics of your auto insurance policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Collision coverage – Collision coverage will pay to fix damage to your Captiva Sport from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as sideswiping another vehicle, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Medical costs insurance – Med pay and PIP coverage reimburse you for expenses such as surgery, pain medications and funeral costs. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage – This coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability insurance – Liability insurance protects you from injuries or damage you cause to other people or property. This coverage protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and property damage coverage for $25,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as attorney fees, funeral expenses and pain and suffering. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Comprehensive or Other Than Collision – This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims like hail damage, hitting a bird, damage from flooding and vandalism. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

More quotes mean more savings

People leave their current company for a number of reasons such as an unsatisfactory settlement offer, high rates after DUI convictions, unfair underwriting practices and policy cancellation. It doesn’t matter what your reason, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

When shopping online for car insurance, don’t be tempted to buy poor coverage just to save money. In many cases, an insured dropped liability limits or collision coverage and learned later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to get the best coverage possible for the lowest price, not the least amount of coverage.

Lower-priced 2012 Chevy Captiva Sport insurance can be purchased on the web and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.

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