2009 Chevrolet Cobalt Car Insurance Quotes – 6 Tricks for Cheaper Rates

Trying to find the cheapest auto insurance rates for your Chevrolet Cobalt? Sick and tired of paying out the nose to buy car insurance? You’re in the same situation as many other drivers. Because there are so many options, it’s nearly impossible to locate the cheapest provider.

You should take the time to get comparison quotes quite often because rates tend to go up over time. Despite the fact that you may have had the best deal on Cobalt coverage a couple years back other companies may now be cheaper. So just ignore everything you know about auto insurance because you’re going to get a crash course in the things you must know in order to properly buy coverages and cut your premium.

The method we recommend to compare insurance rates in your area is to take advantage of the fact all the major auto insurance companies pay for the opportunity to give free rates quotes. To start a quote, the only thing you need to do is take a few minutes to give details including the year, make and model of vehicles, your general credit rating, how much education you have, and if you have a valid license. Your information is sent automatically to multiple top-rated companies and they return rate quotes instantly to find the best rate.

To compare rates now, click here and complete the quick form.

Do you qualify for these six discounts?

Insurance can cost an arm and a leg, buy you may qualify for discounts that you may not even be aware of. Some discounts apply automatically at the time of quoting, but some must be asked for in order for you to get them. If you’re not getting every credit available, you’re just leaving money on the table.

  • Anti-theft Discount – Cars that have factory anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Passive Restraints – Vehicles equipped with air bags can qualify for discounts of more than 20%.
  • Auto/Home Discount – When you combine your home and auto insurance with the same company you will save 10% to 20% off each policy.
  • Life Insurance Discount – Select insurance companies reward you with lower rates if you buy life insurance.
  • Low Mileage – Driving fewer miles could be rewarded with lower rates on the low mileage vehicles.
  • Anti-lock Brakes – Anti-lock brake equipped vehicles are safer to drive and qualify for as much as a 10% discount.

A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most only cut the cost of specific coverages such as comprehensive or collision. So even though they make it sound like you would end up receiving a 100% discount, auto insurance companies aren’t that generous. But any discount will cut the amount you have to pay.

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

Don’t assume everyone needs the same coverage

When buying coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different so your insurance should reflect that These are some specific questions can aid in determining if your situation would benefit from an agent’s advice.

  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is extra glass coverage worth it?
  • Will I lose any money if I cancel my policy before it expires?
  • Do I have newly-aquired coverage?
  • Am I getting all the discounts available?
  • When should I drop full coverage on my 2009 Chevy Cobalt?
  • Is other people’s property covered if stolen from my vehicle?
  • What companies insure drivers after a DUI or DWI?

If you don’t know the answers to these questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and may give you better protection.

Car insurance coverage information

Having a good grasp of your policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and nobody wants to actually read their policy. These are typical coverage types available from insurance companies.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Chevy Cobalt.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Frequently your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for claims such as damage from getting keyed, falling objects, hitting a bird and hail damage. The maximum payout a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto collision coverage

Collision insurance pays for damage to your Cobalt caused by collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like hitting a mailbox, scraping a guard rail, hitting a parking meter, sideswiping another vehicle and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Liability

This coverage protects you from damage or injury you incur to other’s property or people that is your fault. 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, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like attorney fees, repair costs for stationary objects, structural damage and repair bills for other people’s vehicles. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Coverage for medical expenses

Coverage for medical payments and/or PIP pay for immediate expenses for things like ambulance fees, prosthetic devices, chiropractic care, dental work and hospital visits. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Be a penny pincher

While you’re price shopping online, you should never skimp on critical coverages to save a buck or two. Too many times, an insured cut uninsured motorist or liability limits and learned later that they should have had better coverage. The proper strategy is to buy enough coverage at an affordable rate.

We just covered many ways to save on 2009 Chevy Cobalt insurance. It’s most important to understand that the more providers you compare, the higher your chance of finding lower rates. Consumers could even find that the lowest rates come from a small mutual company. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm, Geico and Nationwide.

Much more information about auto insurance can be found below: