Save on 2017 Chevrolet Bolt EV Insurance Rates

Shoppers have a choice when shopping for the lowest priced Chevy Bolt EV insurance. You can either waste hours contacting agents to compare prices or use the internet to find the lowest rates.

There are both good and bad ways to find insurance online and we’ll show you the quickest way to quote coverages for your Chevy and find the cheapest rates either online or from local insurance agents.

It’s a great practice to price shop coverage yearly since prices are adjusted regularly by insurance companies. Just because you found the best rate for Bolt EV coverage a few years ago you may be paying too much now. Block out anything you think you know about insurance because you’re about to find out the things you must know in order to lower your rates without sacrificing coverage.

If you are insured now or are shopping for new coverage, you can use these tips to cut your premiums while maximizing coverage. The purpose of this article is to familiarize you with how to get online quotes. Consumers just need to know the proper way to get comparison rates over the internet.

The quickest method to get policy rate comparisons is to know the fact most of the bigger providers actually pay money for the chance to give free rates quotes. To start a quote, the only thing you need to do is give them rating details like if it has an anti-theft system, how you use your vehicles, which vehicles you own, and what you do for a living. Your information is then submitted to multiple insurance providers and they provide comparison quotes with very little delay.

To find lower rates now, click here and enter your coverage details.

Cheaper rates with these auto insurance discounts

Auto insurance is not an enjoyable expense, but you might already qualify for some discounts to help bring down the price. Larger premium reductions will be automatically applied when you complete an application, but some discounts are required to be requested specifically in order for you to get them.

  • New Car Discount – Buying a new car instead of a used car can save up to 30% because new model year vehicles have to meet stringent safety requirements.
  • ABS and Traction Control Discounts – Vehicles that have anti-lock braking systems prevent accidents and therefore earn up to a 10% discount.
  • Student in College – who are attending college and won’t have access to an insured vehicle may be able to be covered for less.
  • 55 and Retired – If you’re over the age of 55, you can possibly qualify for reduced rates for Bolt EV coverage.
  • Own a Home – Being a homeowner may trigger a policy discount on auto insurance since home ownership demonstrates responsibility.
  • Passive Restraints – Vehicles equipped with air bags may get savings of 20 to 30 percent.

You should keep in mind that most discount credits are not given to the entire policy premium. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think all the discounts add up to a free policy, you aren’t that lucky. But all discounts will lower the cost of your policy.

To see companies that offer multiple discounts, click here to view.

Insurance coverage can get complicated

When it comes to buying adequate coverage for your personal vehicles, there is no one size fits all plan. Everyone’s needs are different.

For example, these questions may help you determine whether your personal situation would benefit from professional advice.

  • Can my babysitter drive my car?
  • Do I need motorclub coverage?
  • How many claims can I have before being cancelled?
  • Do I need special endorsements for business use of my vehicle?
  • When should I remove comp and collision on my 2017 Chevy Bolt EV?
  • Do I have newly-aquired coverage?
  • Should I buy more coverage than the required minimum liability coverage?

If you’re not sure about those questions, then you may want to think about talking to a licensed agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Information about specific coverages

Having a good grasp of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Auto liability insurance

This coverage can cover injuries or damage you cause to other’s property or people in an accident. It protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which means a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Another option is a combined single limit or CSL which limits claims to one amount with no separate limits for injury or property damage.

Liability insurance covers things such as repair costs for stationary objects, emergency aid and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like chiropractic care, ambulance fees and nursing services. They can be used in conjunction with a health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Collision insurance

Collision insurance covers damage to your Bolt EV caused by collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like colliding with another moving vehicle, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a tree branch falling on your vehicle, vandalism, fire damage and hitting a deer. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

UM/UIM Coverage

This coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as damage to your Chevy Bolt EV.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Normally these limits do not exceed the liability coverage limits.