2013 Chevrolet Cruze Insurance Quotes

Are you overwhelmed by the sheer number of auto insurance company choices? You have a lot of company. Consumers have so many options that it can turn into more work than you anticipated to find the best price.

Buying car insurance is easy if you know what you’re doing. Essentially every vehicle owner who carries insurance coverage stands a good chance to be able to lower their premiums. Nevertheless, drivers do need to understand how companies market on the web and take advantage of how the system works.

Pay less for 2013 Chevy Cruze insurance

Companies offering auto insurance do not list all available discounts very clearly, so the following is a list of some of the more common and the more hidden ways to save on auto insurance.

  • Drivers Ed for Students – Have your child enroll in driver’s education if offered at their school.
  • Government Employees – Active or retired federal employment may qualify you for a discount for Cruze coverage depending on your company.
  • Bundle and Save – If you have multiple policies with the same insurance company you will save at least 10% off all policies.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control prevent accidents and earn discounts up to 10%.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy could earn a price break for each car.
  • One Accident Forgiven – A handful of insurance companies allow you one accident before your rates go up as long as you don’t have any claims for a particular time prior to the accident.
  • Discounts for Safe Drivers – Safe drivers may receive a discount up to 45% less for Cruze coverage than less cautious drivers.
  • 55 and Retired – Older drivers may be able to get reduced rates for Cruze coverage.
  • No Claims – Drivers with accident-free driving histories can earn big discounts when compared with accident-prone drivers.

Consumers should know that most credits do not apply to the overall cost of the policy. Most only cut specific coverage prices like liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, companies wouldn’t make money that way.

Companies who might offer these benefits are:

Before buying, ask every prospective company which discounts they offer. Savings might not be offered everywhere.

Tailor your coverage to you

When it comes to choosing proper insurance coverage, there really is no “perfect” insurance plan. Every situation is different.

For instance, these questions could help you determine whether or not you might need professional guidance.

  • Is my babysitter covered when using my vehicle?
  • Are rock chip repairs covered?
  • What discounts do I qualify for?
  • Am I covered when delivering products for my home-based business?
  • When should my teen driver be added to my policy?
  • Am I covered when driving on a suspended license?
  • How can I find cheaper teen driver insurance?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Insurance coverage options for a 2013 Chevy Cruze

Knowing the specifics of insurance can help you determine appropriate coverage and proper limits and deductibles. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording.

Protection from uninsured/underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Chevy Cruze.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Liability car insurance

Liability coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. This coverage protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property.

Liability coverage pays for things such as pain and suffering, attorney fees, funeral expenses, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is a personal decision, but you should buy as much as you can afford.

Comprehensive (Other than Collision)

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

Comprehensive insurance covers things like damage from getting keyed, hail damage, hitting a deer and damage from flooding. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Medical expense insurance

Med pay and PIP coverage pay for short-term medical expenses for surgery, ambulance fees, prosthetic devices, chiropractic care and hospital visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Collision insurance

This covers damage to your Cruze resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as sideswiping another vehicle, scraping a guard rail, colliding with a tree, hitting a mailbox and crashing into a building. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible to save money on collision insurance.

Shop. Compare. Save.

While you’re price shopping online, don’t be tempted to skimp on coverage in order to save money. In many instances, someone sacrificed full coverage only to regret at claim time that they should have had better coverage. The ultimate goal is to get the best coverage possible at an affordable rate while still protecting your assets.

Consumers switch companies for many reasons like lack of trust in their agent, delays in responding to claim requests, being labeled a high risk driver and even extreme rates for teen drivers. Regardless of your reason for switching companies, choosing a new insurance company is pretty simple and you could end up saving a buck or two.

We just showed you a lot of tips how to save on 2013 Chevy Cruze insurance. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding lower rates. You may even discover the lowest priced insurance comes from the least-expected company.

More detailed insurance information can be found by following these links: