Cheap 2014 Chevrolet Captiva Sport Car Insurance Cost

Looking for better car insurance rates for your Chevrolet Captiva Sport? Having to pay for overpriced car insurance can dwindle your personal savings, especially in this economy. Comparing price quotes is a smart way to cut your insurance bill. Companies like Geico, Farmers Insurance and State Farm persitently shower you with advertising and consumers find it hard to see past the geckos and flying pigs and do the work needed to find the best deal.

Discounts mean cheaper Chevy Captiva Sport insurance rates

Auto insurance companies don’t necessarily list all available discounts very well, so we researched both the well known and the more hidden ways to save on auto insurance. If you don’t get every credit possible, you’re just leaving money on the table.

  • Resident Student – Kids in college who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Low Mileage Discounts – Driving fewer miles could be rewarded with better rates on cars that stay parked.
  • Military Discounts – Having a deployed family member can result in better rates.
  • Homeowners Discount – Owning a home can save you money because of the fact that having a home is proof that your finances are in order.
  • Air Bag Discount – Factory air bags may earn rate discounts of 20% or more.
  • Theft Prevention System – Vehicles with anti-theft systems help deter theft and earn discounts up to 10%.
  • Sign Online – Certain companies will give a small break for buying your policy over the internet.
  • Early Switch Discount – A few companies offer discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.

Consumers should know that most discount credits are not given to the overall cost of the policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. Just because it seems like all those discounts means the company will pay you, it doesn’t quite work that way.

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

Fast and Easy Insurance Coverage Quotes

Most companies like Progressive, Geico, Allstate and State Farm give insurance quotes online. The process is pretty easy as you simply type in the amount of coverage you want into a form. Upon sending the form, the system pulls information on your driving record and credit history and generates a price based on these and other factors. Quoting online streamlines rate comparisons, but having to visit several different sites and complete many quote forms can be a bit tiresome and repetitive. Unfortunately, it is important to get many rate quotes if you are searching for the best price possible.

The quickest way to compare rates utilizes a single form that gets prices from several different companies. It saves time, helps eliminate reptitive entry, and makes rate comparisons much easier. After your information is entered, it is quoted and you can select any one of the quotes that you receive. If one or more price quotes are lower than your current rates, you can click and sign and buy the new coverage. It takes less than 15 minutes and you will find out if you’re overpaying now.

If you want to find out if lower rates are available, click here and fill out the form. If you currently have coverage, we recommend you type in deductibles and limits as close as possible to your current policy. This makes sure you will have rate quotes based on identical coverages.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there really is no “perfect” insurance plan. Everyone’s needs are different so this has to be addressed. These are some specific questions may help you determine whether you might need an agent’s assistance.

  • How can I force my company to pay a claim?
  • Will filing a claim cost me more?
  • What is high-risk coverage and where do I buy it?
  • Does medical payments coverage apply to all occupants?
  • Is pleasure use cheaper than using my 2014 Chevy Captiva Sport to commute?
  • Is my cargo covered for damage or theft?
  • How do I buy GAP insurance?
  • Is my state a no-fault state?
  • How much liability coverage do I need in my state?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of insurance coverage companies in your area. It only takes a few minutes and can help protect your family.

The coverage is in the details

Learning about specific coverages of a insurance policy can help you determine the right coverages and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Shown next are the usual coverages found on the average insurance policy.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage kick in for expenses for ambulance fees, nursing services, rehabilitation expenses and funeral costs. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Collision coverage

Collision insurance pays for damage to your Captiva Sport resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers claims such as scraping a guard rail, sideswiping another vehicle, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. You can also increase the deductible to bring the cost down.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Chevy Captiva Sport.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability coverages

This will cover damages or injuries you inflict on a person or their property. It protects you from claims by other people, and does not provide coverage for 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. Your policy might show liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage protects against things such as medical services, pain and suffering and bail bonds. The amount of liability coverage you purchase is a personal decision, but you should buy higher limits if possible.

Comprehensive insurance

Comprehensive insurance covers damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like damage from a tornado or hurricane, vandalism and a tree branch falling on your vehicle. The maximum payout 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.

Have money to burn

In this article, we covered quite a bit of information on how to compare 2014 Chevy Captiva Sport insurance prices online. The key concept to understand is the more providers you compare, the more likely it is that you will get a better rate. Consumers could even find that the best price on insurance coverage is with a small mutual company. They may have significantly lower rates on certain market segments than the large multi-state companies such as Allstate, Geico and Progressive.

While you’re price shopping online, make sure you don’t skimp on coverage in order to save money. There have been many situations where drivers have reduced liability coverage limits only to discover later that they should have had better coverage. Your aim should be to find the BEST coverage at the best price while not skimping on critical coverages.

Additional information