How Much Does 2017 Chevrolet SS Car Insurance Cost?

Looking for better insurance coverage rates for your Chevrolet SS? Buying the lowest price insurance coverage on the web may seem to be intimidating for consumers who are beginners to quoting and online price comparisons. With so many insurers to choose from, how can you possibly compare every insurance coverage company to find the best pricing?

The purpose of this article is to teach you how to effectively get price quotes and some tips to save money. If you have car insurance now, you should be able to reduce your rates substantially using these tips. Although drivers need to learn how insurance companies market insurance on the web and take advantage of how the system works.

Get affordable rates by applying discounts

Auto insurance is not an enjoyable expense, but companies offer discounts that many people don’t even know exist. Some discounts apply automatically when you complete an application, but occassionally some discounts must be specifically requested in order for you to get them.

  • Seat Belt Usage – Forcing all vehicle occupants to use their safety belts can save up to 15% off the PIP or medical payment premium.
  • Driver Education Discount – Make teen driver coverage more affordable by requiring them to enroll and complete driver’s education in school or through a local driver safety program.
  • Distant College Student Discount – Kids who live away from home at college and won’t have access to an insured vehicle may qualify for this discount.
  • Accident Waiver – This one is not really a discount per se, but some companies like GEICO, Allstate and Liberty Mutual will let one accident slide before raising your premiums as long as you don’t have any claims for a specific time period.
  • Senior Citizen Rates – Drivers over the age of 55 may be able to get reduced rates on SS coverage.
  • Drive Safe and Save – Drivers who avoid accidents may save up to 50% more on SS coverage than less cautious drivers.
  • Early Signing – Some larger companies provide a discount for renewing your policy before your current policy expires. Ten percent is about the average savings.

We need to note that some of the credits will not apply to the entire policy premium. Most only reduce individual premiums such as liability, collision or medical payments. Even though it may seem like you can get free auto insurance, you’re out of luck.

A list of auto insurance companies and a selection of discounts are:

  • Farmers Insurance offers premium reductions for distant student, teen driver, homeowner, pay in full, early shopping, and electronic funds transfer.
  • State Farm has discounts for anti-theft, safe vehicle, driver’s education, accident-free, Drive Safe & Save, and passive restraint.
  • Liberty Mutual offers discounts for safety features, hybrid vehicle, new move discount, multi-policy, and new graduate.
  • MetLife may include discounts for multi-policy, defensive driver, accident-free, good student, good driver, and claim-free.
  • Progressive discounts include online quote discount, multi-policy, good student, continuous coverage, and homeowner.

Before you buy a policy, ask all the companies which credits you are entitled to. Some credits may not apply to policies in your area. If you would like to choose from a list of insurers with discount rates, click here to view.

How to compare car insurance quotes

To find affordable car insurance quotes, there are several ways to compare quotes from local car insurance companies. The best way to compare Chevy SS insurance prices is to get quotes online. This can be accomplished in a couple of different ways.

  • One of the best ways to compare a lot of rates at once would be an industry-wide quote request form like this one (opens in new window). This style of form eliminates the need for multiple quote forms for each company you want a rate for. A single form will return quotes from multiple companies. This is by far the quickest method.
  • Another way to analyze rates requires a trip to the website for each individual company and repeat the quote process. For examples sake, let’s assume you want comparison quotes from Auto-Owners, Esurance and American Family. You would be required to visit each site and enter your information, which can get old fast. To view a list of companies in your area, click here.

Compare rates however you want, just compare exactly the same coverage limits and deductibles with every price quote. If you have differing limits then you won’t be able to truly determine the lowest rate. Just slight variations in insurance coverages or limits may cause a big price difference. And when comparing car insurance rates, know that having more price comparisons gives you a better chance of getting better pricing. Not every company provides quotes online, so you also need to get price quotes from the smaller companies as well.

Your insurance coverage should be tailored to you

When choosing the best insurance coverage, there isn’t really a cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that might help in determining if you might need professional guidance.

  • Are my tools covered if they get stolen from my vehicle?
  • When should I remove comp and collision on my 2017 Chevy SS?
  • Am I covered if hit by an uninsured driver?
  • Am I covered when driving in Canada or Mexico?
  • Does my policy pay for OEM or aftermarket parts?
  • What is the minimum liability in my state?
  • Does insurance cover damages from a DUI accident?
  • Does my 2017 Chevy SS qualify for pleasure use?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, complete this form.

Specific coverages for a 2017 Chevy SS

Knowing the specifics of your policy aids in choosing which coverages you need at the best deductibles and correct limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Collision coverage – This covers damage to your SS resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, rolling your car, sideswiping another vehicle and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Liability coverage – This coverage protects you from damages or injuries you inflict on other’s property or people. It protects you against other people’s claims. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage pays for things such as medical expenses, loss of income, repair costs for stationary objects, legal defense fees and funeral expenses. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Coverage for medical payments – Med pay and PIP coverage reimburse you for immediate expenses such as surgery, hospital visits, nursing services, chiropractic care and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers you and your occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Comprehensive coverages – This coverage covers damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, theft, damage from getting keyed and rock chips in glass. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured and underinsured coverage – This coverage gives you protection from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2017 Chevy SS.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally these limits are identical to your policy’s liability coverage.

Final considerations

Throughout this article, we presented a lot of ways to save on 2017 Chevy SS insurance. The key concept to understand is the more times you quote, the higher your chance of finding cheap car insurance. Drivers may discover the best price on auto insurance is with some of the smallest insurance companies.

When getting car insurance quotes online, it’s not a good idea to buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced physical damage coverage only to find out that a couple dollars of savings turned into a financial nightmare. Your goal should be to buy a smart amount of coverage for the lowest cost while still protecting your assets.

Discount 2017 Chevy SS insurance can be bought from both online companies and also from your neighborhood agents, so you need to quote car insurance with both in order to have the best price selection to choose from. Some companies do not offer price quotes online and usually these smaller providers work with independent agents.

More detailed auto insurance information is available by following these links: