2016 Chevrolet Cruze Limited Insurance Quotes

Searching for lower auto insurance rates? Consumers have lots of choices when looking for affordable Chevy Cruze Limited insurance. They can either spend hours struggling with agents to compare prices or save time using the internet to get rate quotes.

There is a right way and a wrong way to compare auto insurance rates so you’re going to learn the best way to compare rates for a Chevy and locate the lowest price.

These discounts can lower your auto insurance quotes

Not many people think insurance is cheap, but you may find discounts that many consumers don’t even know exist. Many discounts should be triggered when you purchase, but a few must be manually applied in order for you to get them.

  • Anti-lock Brakes – Cars and trucks that have anti-lock braking systems have fewer accidents and therefore earn up to a 10% discount.
  • Renewal Discounts – Select larger companies give a discount for switching to them early. It can save you around 10%.
  • No Accidents – Drivers who stay claim-free can save substantially as compared to drivers who are more careless.
  • Early Payment Discounts – If you can afford to pay the entire bill instead of paying each month you could save up to 5%.
  • Low Mileage Discounts – Fewer annual miles on your Chevy may allow you to get lower auto insurancerates on the low mileage vehicles.
  • Passive Restraints and Air Bags – Cars that have air bags or motorized seat belts may qualify for discounts of 20% or more.
  • Discounts for Government Workers – Active or former government employment can save as much as 8% on Cruze Limited insurance with some auto insurance companies.

One thing to note about discounts is that some of the credits will not apply the the whole policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So when it seems like it’s possible to get free car insurance, that’s just not realistic. Any qualifying discounts will help reduce your overall premium however.

A partial list of companies who may offer many of the previously listed discounts include:

It’s a good idea to ask every insurance company how you can save money. A few discounts might not be offered in every state. To view providers who offer online auto insurance quotes, click here to view.

Get cheap insurance coverage with these tips

Many different elements are used in the calculation when premium rates are determined. Some are pretty understandable like a motor vehicle report, but others are less apparent like your continuous coverage or your financial responsibility.

The list below includes some of the most common factors used by companies to determine your premiums.

  • A good credit rating can save money – Your credit rating is likely to be a major factor in determining what you pay for insurance coverage. Drivers with excellent credit scores tend to be better risks to insure than drivers who have poor credit scores. Therefore, if your credit score is low, you could save money insuring your 2016 Chevrolet Cruze Limited by repairing your credit.
  • Safeguard your assets with liability coverage – Liability coverage kicks in when you are responsible for an accident. Your liability coverage provides legal defense starting from day one. This coverage is very inexpensive compared to insuring for physical damage coverage, so do not skimp.
  • Use but don’t abuse your insurance – If you file claims often, you should expect much higher rates or policy non-renewal. Car insurance companies give cheaper rates to policyholders who are claim-free. Insurance coverage is intended to be relied upon for more catestrophic claims.
  • Good drivers pay lower prices – A bad driving record can have a huge impact on auto insurance premiums. Good drivers tend to pay less for car insurance as compared to careless drivers. Just one driving citation can bump up the cost substantially. Drivers who have severe violations like DUI or willful reckless driving might be required by their state to prove financial responsibility with their state’s licensing department in order to prevent their license from being revoked.
  • Cheaper to insure women? – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that men are worse drivers. Men and women are responsible for at-fault accidents at about the same rate, but the male of the species have accidents that have higher claims. They also receive more costly citations such as DWI and reckless driving. Males from age 16 to 21 generally have the highest accident percentage and therefore have the most expensive insurance coverage rates.
  • Having a spouse pays dividends – Having a spouse may cut your premiums compared to being single. Marriage translates into being more responsible and insurance companies like that drivers who are married are more cautious.

Different people need different insurance coverage coverages

When it comes to buying adequate coverage, there really is no single plan that fits everyone. Everyone’s situation is a little different.

For instance, these questions may help highlight if your situation might need professional guidance.

  • Should I put collision coverage on all my vehicles?
  • Are split liability limits better than a combined single limit?
  • Does coverage extend to a rental car in a foreign country?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is a new car covered when I drive it off the dealer lot?
  • Can I get a multi-policy discount?
  • Do I need PIP coverage since I have good health insurance?
  • Is my babysitter covered when using my vehicle?
  • Does liability extend to a camper or trailer?

If you don’t know the answers to these questions, you may need to chat with an agent. To find lower rates from a local agent, fill out this quick form. It is quick, free and you can get the answers you need.

Save $443 a year. For real?

Drivers can’t avoid all the ads that claim the cheapest car insurance rates by GEICO, State Farm and Progressive. They all seem to make an identical promise about savings just by moving your policy.

That’s great but how can every company cost less than your current company? Here is the trick they use.

All companies have a preferred profile for a prospective insured that earns them the most money. An example of this type of insured might have to be a married male, has a clean driving record, and has a high credit rating. Anyone who fits that profile will probably get the lowest car insurance rates and will also cut their rates substantially.

Potential insureds who don’t measure up to these criteria may receive a more expensive rate and ends up with the customer not buying. The ads state “people that switch” but not “everyone who gets a quote” save money. This is how insurance companies can confidently advertise the way they do.

Because of this risk profiling, it’s extremely important to quote coverage with many companies. Because you never know which insurance companies will be your best fit.

Detailed coverages of your insurance policy

Understanding the coverages of insurance can help you determine the right coverages for your vehicles. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Collision coverage protection

Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as rolling your car, driving through your garage door, hitting a parking meter, colliding with another moving vehicle and scraping a guard rail. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family as well as damage to your Chevy Cruze Limited.

Because many people only purchase the least amount of liability that is required, 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. Normally these coverages are identical to your policy’s liability coverage.

Comprehensive insurance

This will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as theft, falling objects and damage from flooding. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses like dental work, funeral costs, X-ray expenses, prosthetic devices and doctor visits. They are used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers both the driver and occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Auto liability insurance

This coverage will cover injuries or damage you cause to other people or property. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 which stand for $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Some companies may use a combined single limit or CSL that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for claims such as repair costs for stationary objects, legal defense fees, emergency aid and pain and suffering. 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.

More effort can pay off

Insureds change insurance companies for any number of reasons including policy non-renewal, being labeled a high risk driver, lack of trust in their agent or delays in responding to claim requests. It doesn’t matter what your reason, switching car insurance companies is actually quite simple.

There are still a few companies who may not offer rate quotes online small, regional companies only sell through independent agencies. Budget-friendly car insurance can be sourced both online as well as from insurance agents, so you should be comparing quotes from both so you have a total pricing picture.

When you buy insurance online, don’t be tempted to skimp on critical coverages to save a buck or two. There are many occasions where someone dropped comprehensive coverage or liability limits only to discover later that the savings was not a smart move. Your objective should be to get the best coverage possible at a price you can afford but still have enough coverage for asset protection.

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