Save on 2017 Chevrolet Volt Insurance Quotes

Looking for lower insurance rates for your Chevrolet Volt? Finding low-cost insurance for your Chevy Volt could be difficult, but you can learn the following methods to save time. There are both good and bad ways to compare insurance rates and we’ll show you the best way to compare rates on a Chevy and find the best price possible either online or from local insurance agents.

If you are insured now or need a new policy, you can use these tips to find the best rates while maximizing coverage. Pricing the lowest cost insurance coverage coverage is simple if you know the tricks. Drivers just need to know the most efficient way to shop online.

Why your insurance costs might be higher

Many things are part of the equation when you get a price on insurance. Some are pretty understandable such as your driving record, but other factors are not as apparent such as your credit history or how safe your car is.A large part of saving on auto insurance is knowing some of the factors that go into determining your policy premiums. If you have a feel for what impacts premium levels, this helps enable you to make changes that can earn you better auto insurance rates.

The list below includes some of the factors used by insurance companies to determine your prices.

  • Only buy extra coverages you need – There are a ton of extra coverages that sound like a good idea at the time if you don’t pay attention. Insurance for things like rental car reimbursement, towing coverage, and motor club memberships are examples of these. They may seem like a good idea when buying your policy, but your needs may have changed so think about removing them and cutting costs.
  • Safer occupants lowers auto insurance rates – Cars with high safety ratings can get you lower premiums. These vehicles result in less severe injuries and lower rates of occupant injuries translates into savings for insurance companies and more competitive rates for policyholders.
  • Marriage is a factor – Having a significant other may save some money on auto insurance. It usually means you are more mature and statistics prove married couples file fewer claims.
  • Proper usage rating affects prices – The more miles you rack up on your Chevy in a year’s time the more it will cost to insure it. Many insurance companies price each vehicle’s coverage based on how the vehicle is used. Cars that have low annual miles receive better premium rates than vehicles that are driven to work every day. Having the wrong rating on your Volt may be wasting your money. Make sure your policy states the correct usage for each vehicle, because it can save money.
  • Gender is a factor – Over time, data shows that men are more aggressive behind the wheel. However, this does not mean women are better drivers. They both cause at-fault accidents at about the same rate, but the male of the species tend to have higher claims. Men also receive more major tickets like DUI and reckless driving.
  • Better prices for continuous auto insurance coverage – Having a lapse in insurance coverage will be a quick way to trigger a rate increase. And not only will your rates increase, getting caught without coverage could result in fines or a revoked license.
  • Save money with high credit – Having a bad credit score factor in your rate calculation. People with good credit tend to be more responsible and file fewer claims than drivers who have lower credit ratings. Therefore, if your credit rating is not that good, you could potentially save money when insuring your 2017 Chevrolet Volt by improving your credit score.

These discounts can lower your car insurance rates

Car insurance is not inexpensive, but there could be significant discounts that you may not know about. Certain discounts will be triggered automatically at quote time, but a few need to be manually applied prior to receiving the credit.

  • Senior Discount – Older drivers can possibly qualify for a small decrease in premiums for Volt insurance.
  • Early Switch Discount – A few larger companies give discounts for switching to them prior to your current policy expiring. The savings is around 10%.
  • Telematics Devices – Insureds that choose to allow their insurance company to analyze driving manner by using a small device installed in their vehicle such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they show good driving skills.
  • Multiple Policy Discount – If you can combine your auto and homeowners policy with one insurance company you may earn over 10 percent off each policy depending on the company.
  • Early Payment Discounts – If you pay your bill all at once instead of monthly or quarterly installments you may reduce your total bill.
  • Student Discounts – A discount for being a good student can get you a discount of up to 25%. This discount can apply until age 25.
  • Seat Belts Save – Buckling up and requiring all passengers to use their safety belts could cut 10% or more off the medical payments premium.
  • Defensive Driver Discount – Completing a defensive driver class may get you a small discount depending on where you live.
  • Employee of Federal Government – Active or retired federal employment can save as much as 8% for Volt insurance with select insurance companies.
  • Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life insurance policy as well.

As is typical with insurance, many deductions do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, you’re out of luck.

Some of the larger companies who may offer some of the above discounts are:

If you are trying to find inexpensive auto insurance quotes, ask every prospective company what discounts are available to you. Some discounts may not be offered in your area. To view car insurance companies that offer many of these discounts, click here.

Different people need different insurance coverages

When it comes to buying the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s.

For example, these questions might point out whether you may require specific advice.

  • How do I insure my teen driver?
  • Do I need special endorsements for business use of my vehicle?
  • Can my teen drive my company car?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my policy pay for OEM or aftermarket parts?
  • Does having multiple vehicles earn me a discount?
  • Should I sign the liability waiver when renting a car?
  • Are my friends covered when driving my 2017 Chevy Volt?
  • Do I need motorclub coverage?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance coverage options for a 2017 Chevy Volt

Having a good grasp of a auto insurance policy can help you determine the right coverages for your vehicles. Auto insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for medical expenses

Coverage for medical payments and/or PIP kick in for immediate expenses for things like chiropractic care, surgery, EMT expenses and funeral costs. They can be used in conjunction with a health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive auto insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, hitting a bird and falling objects. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Auto liability

This can cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from claims by other people. It does not cover damage sustained by your vehicle in an accident.

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 liability limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things such as legal defense fees, pain and suffering, repair costs for stationary objects, funeral expenses and structural damage. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

Collision coverage protection

This will pay to fix damage to your Volt resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as backing into a parked car, driving through your garage door, colliding with a tree and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family.

Shop around and save

People change insurance companies for a variety of reasons including being labeled a high risk driver, poor customer service, denial of a claim or even unfair underwriting practices. It doesn’t matter what your reason, finding a new auto insurance company is less work than it seems.

We covered many tips how you can get a better price on 2017 Chevy Volt insurance. The most important thing to understand is the more providers you compare, the better your comparison will be. You may even find the best prices are with a small mutual company.

Budget-friendly auto insurance is definitely available online in addition to many insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies do not provide the ability to get a quote online and most of the time these smaller providers only sell through local independent agents.

Additional information