2017 Chevrolet Bolt Car Insurance Cost – 10 Policy Discounts

Want better insurance coverage rates? Drivers have a choice when trying to find low-cost Chevy Bolt insurance. They can either spend hours calling around to get rate comparisons or use the internet to make rate comparisons.

There is a better way to find insurance coverage online and you need to know the proper way to get price quotes for a new or used Chevy and find the lowest price from local insurance agents and online providers.

You need to do rate comparisons yearly due to the fact that insurance prices are variable and change quite frequently. Despite the fact that you may have had the best rates for Bolt coverage on your last policy a different company probably has better rate quotes today. There are lots of tips to save on insurance coverage on the internet, but we’re going to give you some good information on how to put money back in your pocket.

Are you earning every discount?

Some insurance providers don’t always advertise all their discounts in a way that’s easy to find, so the list below contains a few of the more common as well as some of the hidden savings tricks you should be using when you buy insurance coverage online. If they aren’t giving you every credit possible, you could be paying more than you need to.

  • 55 and Retired – If you’re over the age of 55, you may receive reduced rates for Bolt coverage.
  • Full Payment Discount – By making one initial payment rather than paying monthly you may have a lower total premium amount.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save 10% or more off the medical payments premium.
  • Bundled Policy Discount – If you insure your home and vehicles and insure them both with the same insurance company you could earn a discount of up to 20% and get you low cost insurance coverage.
  • Discounts for Multiple Vehicles – Drivers who insure multiple cars or trucks on one policy may reduce the rate for each vehicle.
  • Student Discount for Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Distant Student – College-age children who live away from home at college and do not have access to a covered vehicle can receive lower rates.
  • No Charge for an Accident – This one isn’t a discount, but certain companies will let one accident slide before they charge you more for coverage with the catch being you have to be claim-free prior to being involved in the accident.
  • Discount for New Cars – Adding a new car to your policy is cheaper since new model year vehicles are generally safer.
  • Sign Early and Save – Select companies give a discount for renewing your policy prior to your current policy expiring. Ten percent is about the average savings.

As is typical with insurance, some credits don’t apply to the entire policy premium. A few only apply to individual premiums such as collision or personal injury protection. Just because it seems like you can get free auto insurance, you won’t be that lucky.

Auto insurance companies who may offer many of the previously listed discounts include:

If you want cheap insurance coverage quotes, ask each insurance company which discounts can lower your rates. Discounts may not apply to policies in every state. If you would like to view insurance companies that provide some of the discounts listed above, click here.

When in doubt talk to an agent

When choosing the right insurance coverage for your personal vehicles, there really is not a “best” method to buy coverage. Each situation is unique.

For example, these questions can aid in determining if you might need professional guidance.

  • Am I covered if I crash into my own garage door?
  • How do I buy GAP insurance?
  • Does coverage extend to Mexico or Canada?
  • Should I get collision insurance on every vehicle?
  • Are split liability limits better than a combined single limit?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when pulling a rental trailer?
  • What is an SR-22 filing?

If you don’t know the answers to these questions, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form. It’s fast, free and you can get the answers you need.

Car insurance coverages for a 2017 Chevy Bolt

Knowing the specifics of auto insurance can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for surgery, rehabilitation expenses, ambulance fees and EMT expenses. They are used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive protection – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as hail damage, rock chips in glass and damage from flooding. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision – Collision insurance pays for damage to your Bolt caused by collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things such as driving through your garage door, damaging your car on a curb, crashing into a building and hitting a parking meter. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability coverages – This provides protection from injuries or damage you cause to a person or their property in an accident. It protects you against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

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 values of 50/100/50 which means a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Another option is a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as medical services, legal defense fees, repair costs for stationary objects, pain and suffering and bail bonds. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Uninsured or underinsured coverage – This gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include injuries to you and your family and also any damage incurred to your Chevy Bolt.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time these limits are similar to your liability insurance amounts.

A fool and his money are soon parted

Consumers change insurance companies for any number of reasons including delays in responding to claim requests, an unsatisfactory settlement offer, not issuing a premium refund or lack of trust in their agent. No matter why you want to switch, switching companies is less work than it seems.

When trying to cut insurance costs, do not buy less coverage just to save a little money. There are too many instances where consumers will sacrifice uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at the best price and still be able to protect your assets.

You just read some good ideas how you can reduce 2017 Chevy Bolt insurance prices online. The most important thing to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest priced car insurance comes from the smaller companies.

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