Compare 2016 Chevrolet Cruze Insurance Rates

Purchasing the most affordable insurance coverage online can seem to be difficult for consumers not familiar with online price comaprisons. With such a large number of insurers available, how can drivers possibly compare them all to find the best available rates?

It’s a great practice to do rate comparisons on a regular basis since insurance rates are constantly changing. Just because you had the best rates for Cruze coverage last year you can probably find a better price now. So forget anything you know (or think you know) about insurance coverage because we’re going to show you the tricks you need to know to remove unneeded coverages and save money.

Be sure to get all your discounts

Car insurance companies don’t list every available discount in an easy-to-find place, so the following is a list of both well-publicized and the harder-to-find auto insurance savings.

  • Resident Student – Kids in college who live away from home and do not have a car may qualify for this discount.
  • Driver’s Ed – Require your teen driver to enroll in driver’s education if offered at their school.
  • Multiple Cars – Having all your vehicles on the same auto insurance policy could earn a price break for each car.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less due to better safety requirements for new cars.
  • Multi-policy Discount – If you have multiple policies with the same insurance company you may save approximately 10% to 15%.
  • Safe Drivers – Insureds without accidents can get discounts for up to 45% lower rates for Cruze coverage than less cautious drivers.
  • Organization Discounts – Participating in certain professional organizations could trigger savings on your policy for Cruze coverage.
  • Discount for Swiching Early – Some companies give discounts for switching policies before your current expiration date. The savings is around 10%.

Keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only cut specific coverage prices like collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, you’re out of luck.

For a list of insurance companies who offer auto insurance discounts, click here to view.

These factors can influence what you pay for Chevy Cruze insurance

Consumers need to have an understanding of the different types of things that come into play when calculating auto insurance rates. Knowing what determines base rates enables informed choices that will entitle you to lower auto insurance prices.

  • Rates may be higher depending on your occupation – Occupations such as real estate brokers, executives and dentists tend to pay the highest average rates due to high stress and long work hours. Other occupations like farmers, historians and the unemployed have the lowest average rates for Cruze coverage.
  • Car features impact rates – Owning a car with an alarm system can save you a little every year. Anti-theft features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can help prevent car theft.
  • Men are more aggressive – The statistics show women tend to be less risk to insure than men. However, this does not mean men are worse drivers. They both cause accidents in similar percentages, but the men have costlier accidents. Men also statistically get more serious tickets such as reckless driving. Teenage male drivers are several times more likely to be in an accident and thus pay the highest rates.
  • More people means more accidents – Choosing to live in a rural area can be a good thing when insuring your vehicles. Drivers who live in large cities tend to have much more traffic and longer commute times. Less people living in that area means a lower chance of having an accident and also fewer theft and vandalism claims.
  • Clean credit earns discounts – Your credit history is a huge factor in calculating your auto insurance rates. If your credit score is not that good, you could be paying less to insure your 2016 Chevrolet Cruze by spending a little time repairing your credit. People with high credit ratings tend to be more responsible as compared to drivers with lower credit scores.

How do I know if I need professional advice?

When choosing the right insurance coverage, there really is not a single plan that fits everyone. Everyone’s situation is unique.

For instance, these questions may help highlight if your insurance needs might need an agent’s assistance.

  • Should I waive the damage coverage when renting a car?
  • Is my babysitter covered when using my vehicle?
  • Do I have coverage when using my vehicle for my home business?
  • Am I insured when driving a different vehicle?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I have coverage for damage caused while driving under the influence?

If it’s difficult to answer those questions, you may need to chat with an agent. To find lower rates from a local agent, simply complete this short form.

Insurance coverage myths debunked

Insurance coverage providers like 21st Century, Allstate and State Farm regularly use television and radio advertisements. They all make the same claim about savings if you move your coverage to them. How can each company claim to save you money? It’s all in the numbers.

All companies have a preferred profile for the type of driver that makes them money. For example, a profitable customer could possibly be over the age of 40, has no driving citations, and has a short commute. A propective insured who matches those parameters will qualify for the lowest rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who don’t meet these standards will be quoted higher premiums and ends up with business not being written. The ad wording is “people who switch” not “everybody who quotes” save that much. That’s why insurance companies can confidently advertise the way they do. This emphasizes why drivers must get as many quotes as possible. You cannot predict which insurance companies will fit your personal profile best.

What car insurance coverages do you need?

Knowing the specifics of car insurance can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they 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.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverages

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as hitting a deer, damage from flooding, hitting a bird and hail damage. The maximum payout you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage protection

This pays for damage to your Cruze resulting from a collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like damaging your car on a curb, crashing into a ditch, backing into a parked car, hitting a parking meter and colliding with another moving vehicle. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for immediate expenses for things like doctor visits, chiropractic care, rehabilitation expenses, dental work and nursing services. They can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as any family member struck as a pedestrian. PIP coverage is not universally available and may carry a deductible

Liability insurance

This coverage can cover injuries or damage you cause to a person or their property that is your fault. This insurance protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability insurance covers claims such as pain and suffering, emergency aid and funeral expenses. How much coverage you buy is a decision to put some thought into, but consider buying as much as you can afford.

Final thoughts

Cost effective 2016 Chevy Cruze insurance is available on the web in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. Some insurance providers do not provide online price quotes and most of the time these small insurance companies sell through independent agents.

Insureds switch companies for a number of reasons such as an unsatisfactory settlement offer, high prices, being labeled a high risk driver or even high rates after DUI convictions. Whatever your reason, finding a great new company can be easier than you think.

While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. There are a lot of situations where someone dropped uninsured motorist or liability limits only to regret that it was a big mistake. Your aim should be to get the best coverage possible at an affordable rate while not skimping on critical coverages.

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