Save on 2013 Chevrolet Cruze Insurance Rates

Looking for cheaper car insurance rates for your Chevrolet Cruze? No one enjoys paying for car insurance, especially when their premiums are through the roof.

Lots of auto insurance companies contend for your hard-earned dollar, and because of this it can be hard to compare insurers to find the lowest rate

It is always a good idea to price shop coverage every six months since insurance rates change frequently. Even if you think you had the best deal for Cruze coverage a few years ago you can probably find a lower rate today. Forget all the misinformation about car insurance because we’re going to demonstrate one of the quickest ways to find the best coverage while lowering your premiums.

If you are paying for car insurance now, you will most likely be able to reduce your rates substantially using this information. Finding affordable coverage is not that difficult. But car owners do need to know how companies market on the web and use this information to your advantage.

Lower rates by qualifying for discounts

Companies offering auto insurance don’t always publicize all available discounts very clearly, so here is a list both the well known and also the lesser-known ways to save on car insurance.

  • Military Rewards – Having a deployed family member could be rewarded with lower premiums.
  • Memberships – Belonging to a qualifying organization could qualify you for a break on car insurance for Cruze coverage.
  • Auto/Life Discount – Companies who offer life insurance give a discount if you purchase auto and life insurance together.
  • Defensive Driver – Taking a defensive driving course can save you 5% or more if your company offers it.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off for Cruze coverage with select insurance companies.
  • Student in College – Youth drivers living away from home attending college without a vehicle on campus can be insured at a reduced rate.
  • Safe Drivers – Drivers who avoid accidents may save up to 50% more for Cruze coverage than drivers with accident claims.
  • Good Students Pay Less – Performing well in school can get you a discount of up to 25%. The discount lasts up until you turn 25.

Keep in mind that some of the credits will not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability, collision or medical payments. So when it seems like you could get a free car insurance policy, companies wouldn’t make money that way.

To see a list of companies with discount car insurance rates, click here to view.

Compare Quotes for Auto Insurance

There are a variety of methods to compare 2013 Chevy Cruze auto insurance prices but one way is less labor-intensive and much quicker. You can spend your afternoon talking to insurance companies in your area, or you could use online quoting to accomplish the same thing much quicker.

The majority of car insurance companies participate in a marketplace where prospective buyers enter their policy data once, and at least one company provides a quote for coverage. This saves time by eliminating quote requests to every company.

To participate in this free quote system, click here (opens in new window).

The only downside to getting quotes like this is that consumers can’t choose the providers you will receive quotes from. So if you prefer to choose from a list of companies to request quotes from, we put together a list of companies who write auto insurance in your area. Click to view list.

Whichever method you choose, ensure you’re using the exact same quote information for every quote you compare. If you compare unequal deductibles or liability limits it’s not possible to determine the lowest rate for your Chevy Cruze. Just a small difference in limits can mean a large discrepancy in price. And when comparison shopping, obtaining a wide range of quotes gives you a better chance of getting a lower rate.

Car insurance is unique, just like you

When it comes to buying the right insurance coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions might help in determining whether you would benefit from an agent’s advice.

  • What are the financial responsibility laws in my state?
  • At what point should I drop full coverage?
  • Do I need roadside assistance coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Can my teen driver be rated on a liability-only vehicle?
  • Does my insurance cover my expensive audio equipment?
  • When should my teen driver be added to my policy?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies.

Coverages available on your policy

Learning about specific coverages of your policy aids in choosing the right coverages at the best deductibles and correct limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy. Shown next are the usual coverages found on most insurance policies.

Auto collision coverage

This coverage pays for damage to your Cruze resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as driving through your garage door, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to bring the cost down.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, hitting a bird, hail damage and rock chips in glass. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for expenses such as hospital visits, nursing services, ambulance fees and pain medications. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers you and your occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and may carry a deductible

Liability auto insurance

Liability insurance protects you from damage or injury you incur to other people or property. This insurance protects YOU against other people’s claims, 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 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers claims like repair bills for other people’s vehicles, emergency aid, funeral expenses, bail bonds and pain and suffering. How much coverage you buy is your choice, but consider buying higher limits if possible.

UM/UIM Coverage

This coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy Cruze.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Coverage on a shoestring budget

As you shop your coverage around, don’t be tempted to buy poor coverage just to save money. There have been many situations where an insured dropped collision coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your strategy should be to find the BEST coverage at an affordable rate.

We just presented many ways to shop for 2013 Chevy Cruze insurance online. The most important thing to understand is the more rate comparisons you have, the better likelihood of reducing your rate. Consumers may even find the lowest rates come from the least-expected company. Smaller companies often have lower prices on specific markets compared to the large companies like Allstate or State Farm.

Additional insurance coverage information can be read below: