Lower Your 2012 Chevrolet Cruze Car Insurance Rates

Searching for lower car insurance rates for your Chevrolet Cruze? Have you fallen victim to overpriced car insurance? Believe me, you’re not alone. Having so many choices of insurance companies, it’s difficult to choose the cheapest provider.

Smart consumers take time to shop coverage around before your policy renews because insurance rates change quite often. Even if you got the best rates for Cruze insurance a few years ago you may be paying too much now. There is a lot of bad advice regarding car insurance online but by reading this article, you’re going to learn some proven techniques to reduce your car insurance bill.

This article will introduce you to how to get online quotes and some money-saving tips. If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using this strategy. Drivers just need to learn how to shop their coverage around online.

How to reduce Chevy Cruze insurance rates

Properly insuring your vehicles can get expensive, but there are discounts available to reduce the price significantly. Most are applied when you quote, but a few need to be manually applied before you will receive the discount. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Government Employees – Simply working for the federal government may qualify you for a discount for Cruze insurance with certain companies.
  • Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education in school.
  • Claim Free – Claim-free drivers can earn big discounts as compared to bad drivers.
  • E-sign – Some insurance companies may give you up to $50 for buying your policy on their website.
  • No Charge for an Accident – A few companies will allow you to have one accident without raising rates if you are claim-free for a certain period of time.
  • Bundle and Save – If you insure your home and vehicles with one insurance company you could get a discount of up to 20% off your total premium.
  • Good Student – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Cruze insurance than their less cautious counterparts.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and earn discounts up to 10%.

A little note about advertised discounts, most credits do not apply to the overall cost of the policy. Some only apply to specific coverage prices like comprehensive or collision. So when the math indicates you could get a free auto insurance policy, it doesn’t quite work that way. But all discounts will reduce your overall premium however.

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

Lesser-known factors impacting Chevy Cruze insurance rates

Smart consumers have a good feel for the rating factors that go into determining the price you pay for auto insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

Listed below are some of the factors that factor into rates.

  • Pay less if you’re married – Having a spouse actually saves money on auto insurance. It means you’re more mature it has been statistically shown that married drivers get in fewer accidents.
  • Where you live is a factor – Living in a rural area can save you money when insuring your vehicles. Urban drivers tend to have traffic congestion and much longer commute distances. Fewer people means a lower chance of having an accident as well as less vandalism and auto theft.
  • Consolidate policies to earn discounts – Some insurers give discounts to insureds who carry more than one policy. It’s known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even though this discount sounds good, it’s in your best interest to compare rates to verify if the discount is saving money.
  • Women pay lower rates – Statistics demonstrate that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. Both sexes tend to get into accidents at a similar rate, but the male of the species cause more damage and cost insurance companies more money. Men also tend to get more serious tickets like DUI and reckless driving.
  • Little extras can really add up – There are many extra bells and whistles you can purchase when buying auto insurance. Coverages for roadside assistance, better glass coverage and additional equipment coverage are examples of these. These coverages may sound good when you first buy your policy, but now you might not need them so eliminate them to save money.

Tailor your coverage to you

When it comes to choosing coverage for your personal vehicles, there really is not a “perfect” insurance plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining whether you might need professional guidance.

  • Where can I find DUI or SR-22 insurance?
  • I don’t drive much so do I pay less?
  • Are rock chip repairs covered?
  • Why does it cost so much to insure a teen driver?
  • When can I cancel my policy?
  • Is my babysitter covered when using my vehicle?
  • Should I have combined single limit or split liability limits?
  • Do I need motorclub coverage?
  • Is pleasure use cheaper than using my 2012 Chevy Cruze to commute?
  • Does coverage extend to a rental car in a foreign country?

If you’re not sure about those questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area. It is quick, free and can provide invaluable advice.

The coverage is in the details

Learning about specific coverages of your insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages available from insurance companies.

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as rock chips in glass, damage from flooding and hitting a deer. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for bills such as dental work, nursing services, hospital visits, EMT expenses and X-ray expenses. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers both the driver and occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible

Collision protection

Collision coverage will pay to fix damage to your Cruze resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like sideswiping another vehicle, driving through your garage door and hitting a mailbox. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. It’s also possible to increase the deductible to bring the cost down.

UM/UIM Coverage

This provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are identical to your policy’s liability coverage.

Liability coverage

This coverage can cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 50/100/50 that translate to a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like medical services, loss of income, court costs and medical expenses. How much coverage you buy is your choice, but it’s cheap coverage so purchase higher limits if possible.

A penny saved is a penny earned

When trying to cut insurance costs, you should never reduce coverage to reduce premium. Too many times, consumers will sacrifice liability limits or collision coverage only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to purchase plenty of coverage at a price you can afford while still protecting your assets.

You just learned many tips how you can get a better price on 2012 Chevy Cruze insurance. The key thing to remember is the more times you quote, the better your comparison will be. You may even discover the best price on insurance coverage is with a lesser-known regional company. These companies may have significantly lower rates on certain market segments than their larger competitors like Allstate and Progressive.

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