View 2014 Chevrolet SS Insurance Cost

Purchasing the cheapest car insurance online may be somewhat difficult for people who are new to online price comaprisons. With so many choices of choices, how can anyone even start to compare the different rates to find the best available rates?

Smart consumers take time to shop coverage around quite often since insurance rates fluctuate regularly. Even if you think you had the best price for SS coverage six months ago a different company probably has better rates today. There is too much inaccurate information about car insurance online but I’m going to show you the easiest ways to find affordable car insurance.

Take advantage of discounts

Companies don’t always advertise every available discount in a way that’s easy to find, so here is a list both well-publicized as well as the least known ways to save on auto insurance.

  • Employee of Federal Government – Employees or retirees of the government could cut as much as 10% off for SS coverage with select insurance companies.
  • Multi-car Discount – Having more than one vehicle on one policy can get a discount on all vehicles.
  • Accident Free – Claim-free drivers pay much less when compared with frequent claim filers.
  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
  • Payment Method – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if offered at their school.
  • No Charge for an Accident – Certain companies permit an accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.

Drivers should understand that many deductions do not apply to all coverage premiums. Most only apply to the cost of specific coverages such as comprehensive or collision. Just because you may think having all the discounts means you get insurance for free, it just doesn’t work that way.

To see a list of insurers with the best auto insurance discounts, click here.

How to Get Cheap Auto Insurance

There are several ways of comparing rate quotes and find the best price. The simplest method to find the lowest 2014 Chevy SS rates is simply to get online rate quotes. This can be done using a couple different methods.

One of the best ways to find the lowest comparison rates is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for a different quote for each company you want a rate for. One form submission will return price quotes from auto insurance companies with the best prices. This is perfect if you don’t have a lot of time.

A slightly less efficient method to shop for auto insurance online is going to the website of each company and fill out their own quote form. For instance, let’s assume you want to compare rates from Geico, Progressive and State Farm. You would have to take the time to go to each site to enter your coverage information, which is why the first method is more popular.

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

Whichever method you choose, compare exactly the same coverage limits on every quote. If you compare unequal deductibles or liability limits it will be impossible to find the best deal for your Chevy SS. Slightly different insurance coverages may result in a large different in cost. And when comparing auto insurance rates, know that having more price comparisons provides better odds of finding a better price.

Factors that can influence insurance rates for a Chevy SS

Smart consumers have a good feel for the factors that come into play when calculating the rates you pay for insurance. Having a good understanding of what controls the rates you pay enables informed choices that can help you get better insurance rates.

  • Liability insurance protects assets – Liability coverage is the coverage that protects you if a jury decides you are liable for causing damage or personal injury in an accident. It will provide you with a defense in court which can cost thousands of dollars. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so drivers should carry high limits.
  • Pay less if you’re married – Getting married actually saves money on your insurance policy. Having a spouse translates into being more mature and responsible and it’s proven that drivers who are married are more cautious.
  • Where do you drive? – The more you drive each year the higher your rate. Most companies rate vehicles based on their usage. Cars and trucks that are left in the garage qualify for better rates compared to those used for work or business. Verify your insurance policy properly reflects the correct driver usage. If your policy improperly rates your SS may be costing you.
  • Teen drivers pay high rates – Teen drivers have a tendency to be less responsible behind the wheel so insurance rates are higher. Parents adding a youthful driver to your insurance policy can be quite pricey. Older drivers tend to be more responsible, file fewer claims and get fewer tickets.
  • Do you need those extra coverages? – There are quite a few extra bells and whistles that you can get tricked into buying on your insurance policy. Insurance for vanishing deductibles, accidental death and term life insurance are examples of these. They may seem like a good idea when talking to your agent, but if they’re wasting money eliminate the coverages to reduce your premium.
  • Careful drivers pay lower rates – Even one ticket can bump up the cost forty percent or more. Drivers who don’t get tickets receive lower rates than bad drivers. If you have serious violations such as DUI or reckless driving may find they need to submit a SR-22 form with their state DMV in order to continue driving.

How to know if you need help

When choosing proper insurance coverage, there isn’t really a perfect coverage plan. Everyone’s needs are different.

Here are some questions about coverages that can aid in determining whether you may require specific advice.

  • Is my ex-spouse still covered by my policy?
  • Am I covered when pulling a rental trailer?
  • What is UM/UIM insurance?
  • I don’t drive much so do I pay less?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Is upholstery damage covered by car insurance?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How much liability do I need to cover my assets?
  • Is my custom paint covered by insurance?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, complete this form.

Auto insurance 101

Having a good grasp of your insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM) – This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family as well as damage to your 2014 Chevy SS.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive insurance – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from a tornado or hurricane, hail damage, vandalism, damage from getting keyed and theft. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverages – This will pay to fix damage to your SS from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a ditch, rolling your car, crashing into a building and backing into a parked car. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for X-ray expenses, ambulance fees, doctor visits, hospital visits and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability car insurance – This provides protection from injuries or damage you cause to people or other property by causing an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see liability limits of 50/100/50 that translate to $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property.

Liability can pay for claims such as loss of income, repair costs for stationary objects, attorney fees, repair bills for other people’s vehicles and emergency aid. How much liability should you purchase? That is a personal decision, but buy as much as you can afford.

More quotes. Lower rates.

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. There are a lot of situations where drivers have reduced physical damage coverage and learned later they didn’t purchase enough coverage. The aim is to purchase plenty of coverage at the best price, not the least amount of coverage.

Cheap 2014 Chevy SS insurance is available both online in addition to many insurance agents, so compare prices from both so you have a total pricing picture. Some insurance companies do not provide the ability to get a quote online and most of the time these smaller companies sell through independent agents.

You just read many tips how you can reduce insurance prices online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may even find the biggest savings come from the smaller companies.

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