Compare 2004 Chevrolet SSR Insurance Quotes

Finding affordable auto insurance is always difficult for consumers not familiar with comparing rates online. Drivers have so many companies to choose from that it can quickly become a challenge to find the best price.

It’s important to check auto insurance prices on a regular basis due to the fact that insurance rates are variable and change quite frequently. Just because you found the lowest rates for SSR coverage a year ago the chances are good that you can find a lower rate today. Block out anything you think you know about auto insurance because you’re about to find out how to quote online to eliminate unnecessary coverages and save money.

The easiest way to compare car insurance rates utilizes the fact almost all companies allow for online access to provide you with free rate quotes. To begin a comparison, all you need to do is spend a couple of minutes providing details such as an estimate of your credit level, your job, coverage limits, and marital status. Those rating factors is then sent to insurance companies and you receive quotes within a short period of time.

Lower rates by qualifying for discounts

Car insurance is not cheap, buy you may qualify for discounts that you may not know about. Larger premium reductions will be automatically applied when you complete an application, but less common discounts must be manually applied before they will apply.

  • One Accident Forgiven – A handful of insurance companies will forgive one accident before raising your premiums as long as you don’t have any claims for a certain period of time.
  • New Car Discount – Adding a new car to your policy can cost up to 25% less since new cars are generally safer.
  • Club Memberships – Participating in a qualifying organization could qualify you for a break on auto insurance for SSR coverage.
  • Multiple Cars – Insuring all your vehicles on one policy can get a discount on all vehicles.
  • Multiple Policy Discount – When you have multiple policies with one company you may earn 10% to 20% off each policy.
  • Homeowners Pay Less – Owning a house can save you money because owning a home is proof that your finances are in order.
  • Lower Rates for Military – Being deployed with a military unit can result in better rates.
  • Federal Government Employee – Employees or retirees of the government may qualify you for a discount for SSR coverage depending on your company.

It’s important to understand that most credits do not apply to your bottom line cost. Most only apply to individual premiums such as medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, you’re out of luck. Any qualifying discounts will reduce the amount you have to pay.

For a list of insurance companies who offer auto insurance discounts, click this link.

Factors that can influence insurance rates for a Chevy SSR

Consumers need to have an understanding of the rating factors that play a part in calculating the rates you pay for car insurance. Knowing what impacts premium levels empowers consumers to make smart changes that can help you get much lower annual insurance costs.

  • A clean driving record saves money – Even one ticket can boost insurance rates twenty percent or more. Careful drivers get better rates than people who have multiple driving citations. If you have severe violations such as reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with their state DMV in order to drive a vehicle legally.
  • Extra coverages can waste money – There are a lot of extra coverages that you can get tricked into buying on your car insurance policy. Things like vanishing deductibles, accidental death and membership fees may be costing you every month. These may sound like a good investment when talking to your agent, but your needs may have changed so remove them from your policy.
  • Proper usage rating affects rates – Driving more miles each year the more you will pay for car insurance. Most companies charge to insure your cars based on their usage. Cars and trucks that are left in the garage receive lower rates than vehicles that are driven to work every day. An improperly rated SSR can cost quite a bit. Verify your car insurance coverage is showing the proper vehicle usage, because improper ratings can cost you money.
  • Don’t cancel a policy without a new one in place – Allowing your car insurance policy to lapse will be a quick way to bump up your car insurance costs. And not only will your rates increase, but not being able to provide proof of insurance might get you a license revocation or jail time.
  • Better crash test results mean better rates – Vehicles with good safety scores are cheaper to insure. The safest vehicles have better occupant injury protection and fewer injuries means lower claim amounts and more competitive rates for policyholders. If your Chevy SSR scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website you may qualify for a discount.
  • Men pay higher rates – The statistics show that women are safer drivers than men. Now that doesn’t mean women are BETTER drivers than men. Men and women are in accidents in similar percentages, but the men tend to have more serious accidents. Men also statistically get more serious tickets such as reckless driving.
  • Car features impact rates – Driving a car with anti-theft technology or alarm system can get you a discount on your car insurance. Anti-theft features like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
  • Marriage pays dividends – Having a wife or husband helps lower the price on your policy. It is viewed as being more mature than a single person and it’s proven that being married results in fewer claims.

Car insurance is unique, just like you

When buying the right insurance coverage, there really is not a best way to insure your cars. Coverage needs to be tailored to your specific needs.

For instance, these questions could help you determine if you might need an agent’s assistance.

  • Am I covered when driving someone else’s vehicle?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need replacement cost coverage on my 2004 Chevy SSR?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is extra glass coverage worth it?
  • Should I sign the liability waiver when renting a car?

If you can’t answer these questions but you know they apply to you, then you may want to think about talking to an agent. To find lower rates from a local agent, simply complete this short form.

Parts of your insurance policy

Knowing the specifics of insurance can help you determine the right coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for uninsured or underinsured drivers – This protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Chevy SSR.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are set the same as your liablity limits.

Coverage for liability – Liability insurance will cover damage that occurs to other people or property in an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and property damage coverage for $25,000. Some companies may use one number which is a combined single limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair costs for stationary objects, structural damage, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, a broken windshield, theft, damage from flooding and hitting a deer. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a building, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for immediate expenses like pain medications, EMT expenses and surgery. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

More quotes. Lower rates.

You just read many tips how you can lower your 2004 Chevy SSR insurance rates. The most important thing to understand is the more quotes you get, the higher your chance of finding lower rates. Drivers may discover the lowest rates come from a small mutual company.

Cheap insurance can be purchased both online and also from your neighborhood agents, so you should compare both to have the best selection. Some insurance coverage companies may not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

When shopping online for insurance coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped full coverage only to regret at claim time that the savings was not a smart move. The ultimate goal is to buy enough coverage at an affordable rate while not skimping on critical coverages.

Additional insurance coverage information is available at these links: