2014 Chevrolet Cruze Insurance Rates

Paying for high-priced Chevrolet Cruze insurance can drain your bank account and force you to prioritize other expenses. Shopping your coverage around is free and is an excellent way to help make ends meet.

Since consumers have many online and local companies to choose from, it is very difficult to locate the most cost effective insurer.

Smart consumers take time to shop coverage around once or twice a year because insurance rates are usually higher with each renewal. Even if you got the best rates on Cruze coverage six months ago you may be paying too much now. Ignore everything you know about car insurance because you’re about to find out the fastest way to reduce your cost while improving coverage.

The quickest method we recommend to get rate comparisons utilizes the fact car insurance companies participate in a system to give rate comparisons. To get started, all you need to do is take a few minutes to give details such as if you went to college, if a SR-22 is needed, if the car is leased, and the year, make and model of vehicles. Your information gets sent immediately to insurance companies and they return rate quotes immediately.

Don’t listen to company ads

Companies like Progressive, Geico, Allstate and State Farm constantly bombard you with ads on TV and radio. All the ads make the same claim that you’ll save big if you switch to them. How does each company claim to save you money? It’s all in the numbers.

Different companies can use profiling for the right customer they prefer to insure. A good example of a profitable customer could possibly be over the age of 40, is a homeowner, and has a high credit rating. A customer getting a price quote that hits that “sweet spot” gets the lowest rates and most likely will save when switching.

Consumers who don’t qualify for these standards will be charged higher rates which leads to the customer not buying. Company advertisements say “customers that switch” not “people who quote” save that much money. That is how insurance companies can advertise the way they do.

That is why it is so important to quote coverage with many companies. It’s not possible to predict which insurance coverage company will give you the biggest savings on Chevy Cruze insurance.

Why your Chevy Cruze might be costing you more

It’s important that you understand the rating factors that help determine the rates you pay for car insurance. Knowing what influences your rates empowers consumers to make smart changes that can help you get big savings.

The following are some of the items used by your company to calculate your rates.

  • Men fork out a little more – Statistics demonstrate women tend to be less risk to insure than men. That doesn’t necessarily mean that men are WORSE drivers than women. Men and women are in accidents in similar numbers, but men cause more damage. Men also receive more costly citations such as DWI and reckless driving. Youthful male drivers are most likely to cause an accident and are penalized with high car insurance rates.
  • What are your deductibles? – Insurance for physical damage to your car, also known as collision and other-than-collision, is used to repair damage to your Chevy. Some instances where coverage would apply would be running into the backend of another car, vandalism, and windstorm damage. Physical damage deductibles are how much you are required to spend before your car insurance pays a claim. The more money you are required to pay out-of-pocket, the lower your rates will be on Cruze coverage.
  • Liability coverage protects you – Liability coverage is the coverage that protects you in the event that a court rules you are at fault for causing damage or personal injury in an accident. It provides for a legal defense which can be incredibly expensive. Liability is cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Where you live can impact rates – Being located in less populated areas can save you money when insuring your vehicles. Fewer drivers means fewer accidents and also fewer theft and vandalism claims. Drivers who live in large cities regularly have traffic congestion and longer commutes to work. Higher commute times can result in more accidents.
  • Your credit rating is important – Your credit score is a important factor in determining your rates. Consumers who have good credit tend to be less risk to insure as compared to drivers with poor credit. Therefore, if your credit is low, you could be paying less to insure your 2014 Chevrolet Cruze by improving your rating.

Discounts can save BIG

Properly insuring your vehicles can get expensive, but discounts can save money and there are some available to cut the cost considerably. A few discounts will automatically apply at quote time, but a few must be specially asked for before you will receive the discount.

  • Memberships – Being a member of certain professional organizations may earn a discount when shopping for auto insurance on Cruze coverage.
  • Safety Course Discount – Completing a driver safety course can save you 5% or more depending on where you live.
  • Sign Online – A few companies may give you up to $50 for buying a policy and signing up over the internet.
  • College Student – Any of your kids who live away from home and do not have a car may qualify for this discount.
  • Seat Belts Save – Requiring all passengers to buckle their seat belts could save 15% on the medical payments or PIP coverage costs.
  • Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
  • Anti-lock Brake Discount – Anti-lock brake equipped vehicles can reduce accidents and therefore earn up to a 10% discount.
  • Accident Free – Drivers who don’t have accidents pay much less compared to accident-prone drivers.
  • Save over 55 – If you’re over the age of 55, you may be able to get better auto insurance rates on Cruze coverage.
  • Driver’s Ed – Have your child successfully complete driver’s ed class in high school.

It’s important to understand that many deductions do not apply the the whole policy. Most only cut the price of certain insurance coverages like medical payments or collision. So when it seems like all the discounts add up to a free policy, you’re out of luck. But all discounts will cut your overall premium however.

Insurance companies who might offer these money-saving discounts include:

Double check with all companies you are considering which discounts they offer. All car insurance discounts might not apply everywhere.

Will just any policy work for me?

When choosing proper insurance coverage for your vehicles, there really is no single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. These are some specific questions could help you determine whether or not you could use an agent’s help.

  • What is covered by UM/UIM coverage?
  • Why do I only qualify for high-risk insurance?
  • Am I covered when using my vehicle for business?
  • Is a blown tire covered by insurance?
  • When should I drop full coverage on my 2014 Chevy Cruze?
  • How can I get high-risk coverage after a DUI?
  • Should I carry comprehensive and collision coverage?
  • If my 2014 Chevy Cruze is totaled, can I afford another vehicle?
  • How can I force my company to pay a claim?

If you don’t know the answers to these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverage information

Understanding the coverages of car insurance can be of help when determining appropriate coverage for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. Below you’ll find the normal coverages offered by car insurance companies.

Comprehensive coverages – This pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as damage from flooding, hail damage and rock chips in glass. The maximum amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy Cruze.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these coverages do not exceed the liability coverage limits.

Coverage for medical payments – Med pay and PIP coverage kick in for short-term medical expenses like ambulance fees, hospital visits and dental work. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Liability car insurance – Liability insurance can cover damage that occurs to other people or property that is your fault. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 that translate to $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like structural damage, bail bonds and medical expenses. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Collision coverage – Collision insurance will pay to fix damage to your Cruze resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like crashing into a building, rolling your car, driving through your garage door, colliding with a tree and sideswiping another vehicle. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Saving money is sweet as honey

As you restructure your insurance plan, do not skimp on critical coverages to save a buck or two. In too many instances, someone dropped physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to buy enough coverage for the lowest price.

We just covered many ways to compare 2014 Chevy Cruze insurance prices online. It’s most important to understand that the more rate quotes you have, the better likelihood of reducing your rate. You may even find the biggest savings come from a lesser-known regional company. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as State Farm and Allstate.

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