Consumers Five Minute Guide to Quoting Chevy Cruze Insurance
Shoppers have lots of choices when shopping for low-cost Chevy Cruze insurance. You can either spend your time calling around getting price quotes or save time using the internet to make rate comparisons.
There is a better way to compare car insurance rates and we’ll show you the proper way to get price quotes for a new or used Chevy and locate the lowest possible price from local insurance agents and online providers.
Smart consumers take time to check car insurance prices periodically since insurance rates change quite often. Just because you had the lowest price on Cruze coverage a few years ago there is a good chance you can find better rates now. Ignore everything you know about car insurance because we’re going to demonstrate the best methods to find great coverage at a great price.
This article will introduce you to how to effectively get price quotes. If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these methods. Nevertheless, drivers need to have an understanding of the methods companies use to sell insurance online and use this information to your advantage.
Don’t miss out on these money-saving discounts
Car insurance can cost a lot, but discounts can save money and there are some available that can drop the cost substantially. Some discounts apply automatically when you quote, but a few must be asked for before you get the savings.
- College Student – Kids in college who attend school more than 100 miles from home and don’t have a car can receive lower rates.
- Driver’s Ed – Have your child complete a driver education course in school.
- Passive Restraint Discount – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
- Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
- Sign Early and Save – Some insurance companies reward drivers for switching to them before your current expiration date. It can save you around 10%.
- Government Employees – Being employed by or retired from a federal job could cut as much as 10% off on Cruze coverage with certain companies.
Keep in mind that some credits don’t apply to your bottom line cost. Most only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like all those discounts means the company will pay you, it just doesn’t work that way. Any qualifying discounts will bring down your premiums.
To choose insurance companies offering car insurance discounts, follow this link.
Car Insurance Comparison Rates
The are a couple different ways to compare rate quotes from car insurance companies in your area. The easiest way by far to find the lowest Chevy Cruze rates consists of obtaining rate quotes online. This can be done in several different ways.
- The most efficient way consumers can analyze rates is to use a rate comparison form click to view form in new window. This method saves time by eliminating separate quotes for each company. One quote request gets you price quotes from multiple companies. It’s definitely the quickest method.
- A different way to get comparison quotes requires a trip to the website for every company you want to comare to complete a price quote. For sake of this example, let’s assume you want comparison quotes from USAA, Farmers and GEICO. To find out each rate you need to visit each site and enter your policy data, and that’s why the first method is more popular. To view a list of companies in your area, click here.
It doesn’t matter which method you choose, just make darn sure you compare apples-to-apples quote information on every quote. If the quotes have differing limits it will be impossible to determine which rate is truly the best. Slightly different coverage limits may cause a big price difference. And when quoting car insurance, remember that quoting more will improve the odds of getting a lower rate.
Do I need special coverages?
When it comes to buying the best car insurance coverage, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs.
For instance, these questions might help in determining whether or not you would benefit from an agent’s advice.
- What vehicles should carry emergency assistance coverage?
- Does my Chevy Cruze need full coverage?
- Should I have combined single limit or split liability limits?
- Can I afford low physical damage deductibles?
- When should I not file a claim?
- Should I sign the liability waiver when renting a car?
If it’s difficult to answer those questions but you know they apply to you, you might consider talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form.
Final thoughts
Discount Chevy Cruze insurance can be found both online and with local insurance agents, so compare prices from both to have the best chance of lowering rates. There are still a few companies who do not offer the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.
We covered quite a bit of information on how to reduce Chevy Cruze insurance prices online. The key thing to remember is the more you quote, the better likelihood of reducing your rate. You may be surprised to find that the best prices are with some of the lesser-known companies.
Drivers switch companies for a variety of reasons including poor customer service, not issuing a premium refund, delays in responding to claim requests and even delays in paying claims. Regardless of your reason for switching companies, finding a new car insurance company is pretty simple and you could end up saving a buck or two.