Compare 2018 Chevrolet Cruze Insurance Rates

Trying to find cheaper car insurance rates for your Chevrolet Cruze? No one fancies paying their premiums for car insurance, especially knowing the price is too high. Insurance companies such as State Farm, Geico and Farmers Insurance constantly bombard you with ad campaigns and consumers find it hard to see past the corporate glitz and find the best price available.

How to compare car insurance quotes

Getting cheaper 2018 Chevy Cruze car insurance pricing can be relatively painless. The only thing you need to do is invest a few minutes to compare rate quotes to find. This can easily be done by using one of the methods below.

  1. The single most time-saving way to get quotes is a comparison rater form (click to open form in new window). This easy form eliminates the need for boring form submissions to each individual car insurance company. One form will return price quotes instantly.
  2. A harder way to compare prices is spending the time to visit the website of each company and repeat the quote process again and again. For example, let’s say you want to see prices from Liberty Mutual, Progressive and Travelers. To find out each rate you need to navigate to each company’s site to input your insurance information, which is why the first method is more popular. To view a list of companies in your area, click here.
  3. If you have time to kill, the last method to compare price quotes is making phone calls or going to all the different insurance agencies. The ability to buy insurance online eliminates this option unless you want the peace of mind that can only be provided by a licensed insurance agent. If you prefer, some companies allow you to price shop online but buy from a local insurance agent.

The approach you take is up to you, just try to use the same quote data on every price quote you get. If each company quotes different values for each quote it’s impossible to determine which company has the best rates.

Double check you’re getting these discounts

The cost of insuring your cars can be expensive, but you might be missing out on some discounts that many people don’t even know exist. Certain discounts will be triggered automatically when you purchase, but a few must be inquired about before you get the savings.

  • Senior Citizen Discount – Seniors may qualify for a small decrease in premiums on Cruze coverage.
  • Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems may get savings as much as 30%.
  • Distant Student – who are enrolled in higher education away from home and do not have a car can receive lower rates.
  • Employee of Federal Government – Active or former government employment may reduce rates when you quote car insurance on Cruze coverage depending on your insurance provider.
  • Defensive Driving Course – Passing a course teaching defensive driving skills could earn you a small percentage discount and make you a better driver.
  • Full Payment Discount – If paying your policy premium upfront instead of paying each month you can actually save on your bill.
  • One Accident Forgiven – This one isn’t a discount, but some insurance companies will let one accident slide without the usual rate increase if you are claim-free for a particular time prior to the accident.
  • Low Mileage Discounts – Low annual miles can qualify you for better rates on cars that stay parked.
  • Clubs and Organizations – Being in a civic or occupational organization could qualify you for a break on your bill.
  • Homeowners Discount – Simply owning a home can help you save on insurance because of the fact that having a home means you have a higher level of financial diligence.

As a sidenote, most discount credits are not given to the entire cost. The majority will only reduce individual premiums such as liability and collision coverage. So even though you would think you could get a free insurance policy, you’re out of luck.

To choose insurers that offer discounts, click here to view.

Special considerations

When it comes to buying the best car insurance coverage for your vehicles, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. These are some specific questions might point out if you would benefit from an agent’s advice.

  • What discounts do I qualify for?
  • Will my rates increase for filing one claim?
  • Am I covered if I hit a deer?
  • Is a new car covered when I drive it off the dealer lot?
  • What are the financial responsibility laws in my state?
  • Does my personal policy cover me when driving out-of-state?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I need added coverage for expensive stereo equipment?

If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and can help protect your family.

Auto insurance coverages explained

Understanding the coverages of a auto insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are typical coverage types offered by auto insurance companies.

Medical payments coverage and PIP

Med pay and PIP coverage kick in for short-term medical expenses for nursing services, EMT expenses, dental work, chiropractic care and hospital visits. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. They cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy Cruze.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Coverage for liability

This will cover damage that occurs to people or other property. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 that means you have a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers claims such as structural damage, repair costs for stationary objects, attorney fees, loss of income and medical services. How much liability should you purchase? That is a personal decision, but you should buy higher limits if possible.

Collision insurance

This will pay to fix damage to your Cruze resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as backing into a parked car, colliding with another moving vehicle and driving through your garage door. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comprehensive coverage

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like damage from a tornado or hurricane, a tree branch falling on your vehicle, rock chips in glass and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Shop Smart and Save

Budget-conscious 2018 Chevy Cruze insurance can be purchased on the web in addition to many insurance agents, so you should compare both to have the best rate selection. Some car insurance companies may not offer the ability to get quotes online and many times these smaller companies only sell through independent agencies.

You just learned quite a bit of information on how to lower your 2018 Chevy Cruze insurance prices. The most important thing to understand is the more providers you compare, the better chance you’ll have of finding low cost car insurance. You may be surprised to find that the best price on car insurance is with the least-expected company. These smaller insurers may only write in your state and offer lower rates compared to the large companies like Allstate and Progressive.

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. In many cases, an insured cut collision coverage and found out when filing a claim that the few dollars in savings costed them thousands. The proper strategy is to get the best coverage possible at a price you can afford, but do not sacrifice coverage to save money.

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