Save on 2012 Chevrolet Captiva Sport Car Insurance Quotes

Nobody enjoys paying for insurance, particularly when their premiums are through the roof. You have so many insurance companies to choose from, and although it’s a good thing to be able to choose, it can be more challenging to find the best rates for your vehicles.

It is always a good idea to compare rates on a regular basis due to the fact that insurance rates are constantly changing. If you had the lowest rates for Captiva Sport coverage a couple years back the chances are good that you can find a lower rate today. You can find a lot of misleading information regarding insurance online but by reading this article, you’re going to learn some great ways to save money.

Shopping for affordable insurance coverage coverage is simple if you know the tricks. If you have a policy now or are just looking to switch companies, you can learn to get lower rates while maximizing coverage. Consumers only need an understanding of the tricks to compare prices over the internet.

The quickest method we recommend to compare rate quotes utilizes the fact almost all companies allow for online access to give rate comparisons. The one thing you need to do is spend a couple of minutes providing details including driver details, types of safety features, the type of vehicles you drive, and whether you are married. That rating data is automatically sent to many of the top insurers and they provide comparison quotes within a short period of time.

Cut prices on Chevy Captiva Sport insurance

The price of auto insurance can be rather high, but companies offer discounts that you may not know about. Larger premium reductions will be automatically applied at the time of quoting, but some must be inquired about before you get the savings. If you aren’t receiving every discount available, you are throwing money away.

  • Federal Employees – Being employed by or retired from a federal job may qualify you for a discount for Captiva Sport coverage with a few auto insurance companies.
  • Multiple Vehicles – Insuring multiple vehicles on one policy could earn a price break for each car.
  • Service Members Pay Less – Having a deployed family member may qualify for rate reductions.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and earn discounts up to 10%.
  • No Claims – Drivers who don’t have accidents can earn big discounts compared to bad drivers.
  • Paperwork-free – Some insurance companies will give a small break just for signing your application over the internet.
  • Discount for Life Insurance – Some companies give a break if you buy life insurance from them.

It’s important to understand that most of the big mark downs will not be given to the entire policy premium. Most only reduce individual premiums such as comp or med pay. Just because it seems like you can get free auto insurance, auto insurance companies aren’t that generous. Any qualifying discounts will reduce the amount you have to pay.

Companies that may offer some of the above discounts include:

Double check with each company how you can save money. Savings might not apply in your state.

Why you might be paying too much to insure your Chevy Captiva Sport

It’s important that you understand some of the elements that go into determining the rates you pay for insurance. When you know what positively or negatively influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

  • Theft deterrents lower rates – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all aid in stopping your car from being stolen.
  • More people means more accidents – Choosing to live in small towns and rural areas can be a good thing when it comes to insurance. Lower population means a lower chance of having an accident and also fewer theft and vandalism claims. Drivers in populated areas have to deal with much more traffic to deal with and much longer commute distances. More time on the road means more change of being in an accident.
  • Tickets mean higher rates – Whether or not you get tickets has a big impact on rates. Careful drivers get better rates than their less careful counterparts. Even one citation can boost insurance rates by twenty percent. Drivers with dangerous tickets such as reckless driving, hit and run or driving under the influence are required to submit a SR-22 form with their state motor vehicle department in order to prevent a license revocation.
  • Occupation reflects on rates – Occupations such as real estate brokers, executives and financial analysts have higher average rates attributed to stressful work requirements and long work days. Conversely, occupations such as farmers, engineers and the unemployed get better rates for Captiva Sport coverage.
  • Don’t get talked into coverage you don’t need – There are a ton of additional coverages you can purchase if you aren’t careful. Coverages for rental car reimbursement, better glass coverage and membership fees may be costing you every month. They may seem like a good idea when talking to your agent, but your needs may have changed so eliminate them to save money.

Tailor your coverage to you

When it comes to buying adequate coverage for your vehicles, there really is not a one size fits all plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions can help discover if your insurance needs will benefit from professional help.

  • How do I insure my teen driver?
  • What is roadside assistance coverage?
  • Do I really need UM/UIM coverage?
  • Should I have combined single limit or split liability limits?
  • Does insurance cover tools stolen from my truck?
  • Do I have coverage when pulling a U-Haul trailer?

If you don’t know the answers to these questions then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of insurance companies in your area. It’s fast, free and may give you better protection.

Don’t be fooled by advertising claims

Consumers can’t ignore all the ads that promise big savings from companies such as 21st Century, Allstate and State Farm. All the ads make an identical promise that you’ll save big after switching your policy.

How do they all make almost identical claims? This is how they do it.

Insurance companies can use profiling for the driver that makes them money. A good example of a driver they prefer could possibly be over the age of 40, insures multiple vehicles, and has a high credit rating. A propective insured that hits that “sweet spot” is entitled to the best price and therefore will save quite a bit of money when switching.

Potential customers who don’t measure up to this ideal profile must pay higher rates which usually ends up with the customer not buying. The ads say “people who switch” not “people who quote” save money. This is how insurance companies can advertise the savings.

This illustrates why you need to get a wide range of price quotes. You cannot predict which company will fit your personal profile best.

Car insurance 101

Understanding the coverages of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Shown next are the normal coverages available from auto insurance companies.

Liability coverage – Liability insurance can cover injuries or damage you cause to other people or property. This insurance protects YOU against claims from other people. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as repair costs for stationary objects, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy as much as you can afford.

Coverage for medical expenses – Med pay and PIP coverage reimburse you for expenses like ambulance fees, prosthetic devices, dental work, chiropractic care and doctor visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive auto insurance – Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as hitting a bird, damage from a tornado or hurricane, falling objects, hail damage and hitting a deer. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your Chevy Captiva Sport.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Usually these coverages are similar to your liability insurance amounts.

Collision – This coverage pays for damage to your Captiva Sport caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a mailbox, scraping a guard rail and crashing into a ditch. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Stretch your dollar

Low-cost 2012 Chevy Captiva Sport insurance is available online as well as from independent agents, so you should compare both so you have a total pricing picture. There are still a few companies who don’t offer the ability to get a quote online and usually these small insurance companies provide coverage only through local independent agents.

We’ve covered a lot of tips how to save on insurance. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding lower rates. Consumers may even find the lowest premiums are with a small mutual company. Regional companies can often provide lower rates in certain areas than their larger competitors like State Farm, Geico and Nationwide.

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