Cheaper 2015 Chevrolet SS Insurance Rates

Want cheaper car insurance rates? Drivers have a choice when trying to find the lowest priced Chevy SS insurance. They can either spend hours calling around to get rate comparisons or use the internet to compare rates. There are more efficient ways to shop for car insurance and you need to know the proper way to quote coverages on a Chevy and find the lowest price from both online companies and local agents.

Do you qualify for discounts?

Companies offering auto insurance do not list every available discount in an easy-to-find place, so here is a list some of the more common and also the lesser-known ways to save on insurance. If they aren’t giving you every credit you deserve, you’re paying more than you need to.

  • Good Student Discount – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you until age 25.
  • 55 and Retired – If you’re over the age of 55, you may receive a small decrease in premiums for SS insurance.
  • Payment Method – If paying your policy premium upfront instead of making monthly payments you can actually save on your bill.
  • Sign Online – Some insurance companies give back up to $50 for buying your policy on their website.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts may earn rate discounts of up to 25% or more.
  • Multiple Policy Discount – If you insure your home and vehicles with one insurance company you may earn 10% to 20% off each policy.
  • Employee of Federal Government – Employees or retirees of the government may qualify you for a discount for SS insurance depending on your company.
  • Early Signing – A few companies offer discounts for signing up prior to your current policy expiration. This can save 10% or more.
  • Safe Driver Discount – Safe drivers can pay as much as 50% less for SS insurance than drivers with accidents.
  • Own a Home – Simply owning a home may trigger a insurance policy discount due to the fact that maintaining a home requires personal responsibility.

It’s important to note that most discounts do not apply to the overall cost of the policy. A few only apply to individual premiums such as comprehensive or collision. Even though it may seem like you could get a free insurance policy, you’re out of luck.

To see a list of insurers with discount insurance rates, click here.

Comparison of Insurance Coverage

Getting better 2015 Chevy SS insurance coverage pricing can be surprisingly simple. All that’s required is to invest a few minutes comparing rate quotes online with multiple companies. This can be accomplished in several different ways.

  1. The first (and easiest) way to find the lowest comparison rates is a comparison rater form (click to open form in new window). This easy form saves time by eliminating separate forms for each company you want a rate for. A single, simple form will return price quotes direct from many companies. This is by far the quickest method.
  2. A more difficult way to analyze rates is going to each individual company website to complete their respective quote request forms. For examples sake, we’ll pretend you want rates from Nationwide, Progressive and Liberty Mutual. To find out each rate you need to take the time to go to each site to input your insurance information, which is why most consumers use the first method.

    For a list of links to insurance companies in your area, click here.

It’s up to you how you get prices quotes, just make sure you use identical coverage limits and deductibles for each comparison quote. If you have differing limits you will not be able to decipher which rate is best.

Chevy SS rates are in the details

Consumers need to have an understanding of the different types of things that go into determining car insurance rates. Knowing what influences your rates allows you to make educated decisions that could result in big savings.

Listed below are a partial list of the pieces companies use to determine premiums.

  • Poor credit can mean higher rates – Your credit score is a important factor in determining what you pay for car insurance. Therefore, if your credit is lower than you’d like, you could potentially save money when insuring your 2015 Chevrolet SS by spending a little time repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit.
  • More claims means more premium – Companies award discounts to people who do not file claims often. If you file claims often, you can pretty much guarantee either a policy non-renewal or much higher rates. Auto insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Lower rates with optional equipment – Owning a car with anti-theft technology or alarm system can help lower your rates. Anti-theft devices like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent car theft.
  • Where you live – Residing in small towns and rural areas is a positive aspect when it comes to car insurance. Drivers who live in large cities have to deal with more traffic problems and a longer drive to work. Lower population means a lower chance of having an accident and a lower car theft rate.
  • Choose a safe vehicle and save – Vehicles with high crash test scores are cheaper to insure. Safe vehicles result in less severe injuries and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If your Chevy is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.

Don’t assume everyone needs the same coverage

When it comes to choosing adequate coverage for your personal vehicles, there really is not a “best” method to buy coverage. Everyone’s situation is a little different.

For example, these questions can help discover whether you may require specific advice.

  • Do I need added coverage for expensive stereo equipment?
  • Does my policy pay for OEM or aftermarket parts?
  • How many claims can I have before being cancelled?
  • Should I waive the damage coverage when renting a car?
  • Does my policy cover my teen driver if they drive my company car?
  • Where can I get insurance after a DUI in my state?
  • How can I get high-risk coverage after a DUI?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Car insurance coverage information

Knowing the specifics of a insurance policy aids in choosing appropriate coverage for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive or 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 the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a broken windshield, damage from a tornado or hurricane, falling objects, damage from flooding and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability insurance – Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for 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. You commonly see limits of 100/300/100 which means a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage protects against things such as loss of income, funeral expenses and attorney fees. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 2015 Chevy SS.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as rehabilitation expenses, nursing services, ambulance fees and pain medications. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Collision – Collision insurance covers damage to your SS resulting from a collision with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a building, hitting a mailbox, colliding with a tree, crashing into a ditch and scraping a guard rail. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. You can also raise the deductible to save money on collision insurance.

Spend less. Save more.

When shopping online for insurance, it’s a bad idea to buy poor coverage just to save money. There have been many situations where drivers have reduced uninsured motorist or liability limits to discover at claim time that the few dollars in savings costed them thousands. Your aim should be to find the BEST coverage at an affordable rate while still protecting your assets.

Drivers switch companies for many reasons like extreme rates for teen drivers, delays in responding to claim requests, lack of trust in their agent and even denial of a claim. Whatever your reason, finding a great new company is easier than you think.

We covered many tips how you can shop for 2015 Chevy SS insurance online. The most important thing to understand is the more price quotes you have, the higher your chance of finding lower rates. You may be surprised to find that the best prices are with a small local company.

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