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Chevrolet Cruze Insurance Rates

Shopping for car insurance through online companies saves time, is easy to do, plus you can save money. The key to finding lower rates is to get as many rate quotes as possible so you can compare the cheapest rate quotes.

Comparing car insurance rates direct online can be difficult if you are a beginner to online quoting. But don't let that discourage you because it's actually quite easy. There are several ways to compare quotes from different insurance companies. The recommended way to find the lowest Cruze insurance cost consists of shopping online. This can be done by visiting this page.

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Car insurance rates influenced by these factors

Car insurance premiums for a Chevrolet Cruze can fluctuate considerably and are calculated by many factors. Including but not limited to:

  • Tickets increase premiums
  • Credit rating impacts rates
  • Your gender can raise or lower rates
  • Higher deductibles save money
  • Crash test rating for your Cruze
  • Your occupation
  • The level of coverage
  • Home ownership saves money

An additional factor that will help determine Cruze insurance rates is the year of the vehicle. Older cars and trucks have a lower value than newer models so repair costs tend to be lower which may end up costing you less. Conversely, newer models may have safety features such as adaptive cruise control, pedestrian detection, and lane departure warning system which may provide discounts that lower premiums.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from the list below.

Coverage for liability - This protects you from damage or injury you incur to other people or property by causing an accident. Liability can pay for claims like pain and suffering, repair costs for stationary objects, and legal defense fees. It is cheap coverage so you should buy as high a limit as you can afford.

Collision coverage - Collision coverage pays for damage to your Chevrolet caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company. Cruze collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverage (or Other than Collision) - Comprehensive insurance will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist coverage - Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they do not carry enough liability coverage. Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Insurance for medical payments - Med pay and PIP coverage kick in for immediate expenses such as EMT expenses, pain medications, and nursing services. The coverages can be used to fill the gap from your health insurance program or if you do not have health coverage. PIP coverage is not available in all states but can be used in place of medical payments coverage.

How Much are Chevrolet Cruze Insurance Rates?