Lower Your 2017 Chevrolet SS Car Insurance Rates

Trying to find cheaper auto insurance rates for your Chevrolet SS? Online rate comparisons for affordable auto insurance can seem difficult if you haven’t ever used online price comparisons. But don’t be overwhelmed because online price shopping is actually quite simple.

Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you will most likely be able to lower your premiums substantially using this strategy. Nevertheless, consumers need to learn how the larger insurance companies market insurance on the web because it can help you find the best coverage.

How to compare free auto insurance quotes

When comparison shopping, there are several ways to obtain and compare prices from many available auto insurance companies in your state. The quickest method to comparison shop is to get quotes online. This can be accomplished in several different ways.

  1. Without a doubt, the easiest way to get the best comparison quotes is a comparison rater form (click to open form in new window). This quick form eliminates the need for separate forms for every auto insurance company. Filling out one form will return quotes from several companies. This is by far the quickest method.
  2. A more difficult way to find lower rates consists of going to each company website to request a price quote. For sake of this example, we’ll pretend you need rates from USAA, Liberty Mutual and State Farm. You would need to go to each individual site and enter your information, which can get rather old.

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

How you compare quotes is your choice, just try to keep the exact same coverage limits on every quote you get. If each company quotes different coverage information it will be impossible to make an equal comparison. Even a minor difference in coverage limits could mean much higher rates. It’s important to know that comparing more rates from different companies helps improve the odds of finding the best offered rates.

Verify you’re earning every discount

Auto insurance companies don’t list every discount they offer very well, so here is a list a few of the more common as well as some of the hidden discounts you could be receiving when you buy auto insurance online.

  • Discount for New Cars – Putting coverage on a new car can cost up to 25% less since new model year vehicles have better safety ratings.
  • Drive Safe and Save – Insureds who avoid accidents could pay up to 40% less on SS insurance than their less cautious counterparts.
  • Braking Control Discount – Vehicles with ABS braking systems or traction control are safer to drive and qualify for as much as a 10% discount.
  • Early Signing – A few insurance companies give discounts for buying a new policy early. This discount can save up to 10%.
  • Good Student – This discount may save you up to 25%. The discount lasts up until you turn 25.
  • Low Mileage Discounts – Keeping the miles down on your Chevy can qualify you for discounted rates on garaged vehicles.
  • Life Insurance Discount – Select car insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Bundled Policy Discount – If you insure your home and vehicles with the same insurance company you may earn at least 10 to 15 percent or more.

One last thing about discounts, most discount credits are not given to all coverage premiums. Most only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think all those discounts means the company will pay you, insurance companies wouldn’t stay in business.

Car insurance companies that possibly offer some of the above discounts possibly include:

When quoting, ask every prospective company which discounts you qualify for. Some of the earlier mentioned discounts might not be offered in your area. To see insurers that offer multiple discounts, click here.

When should I discuss my situation with an agent?

When choosing the right insurance coverage for your vehicles, there isn’t really a single plan that fits everyone. Everyone’s needs are different.

These are some specific questions can help discover whether your personal situation would benefit from professional advice.

  • How much liability coverage do I need in my state?
  • Do I have coverage when pulling a U-Haul trailer?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Am I better off with higher deductibles on my 2017 Chevy SS?
  • Does my medical payments coverage pay my health insurance deductible?
  • Do I need PIP coverage since I have good health insurance?
  • Is pleasure use cheaper than using my 2017 Chevy SS to commute?
  • Should I put collision coverage on all my vehicles?
  • Can my teen drive my company car?
  • Do I need higher collision deductibles?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with an agent. To find an agent in your area, simply complete this short form.

How you can control Chevy SS insurance costs

An important part of buying insurance is that you know a few of the rating criteria that come into play when calculating your insurance coverage rates. When you know what positively or negatively controls the rates you pay, this allows you to make educated decisions that can help you get big savings. Lots of things are taken into consideration when you quote your car insurance policy. A few of the factors are predictable like your driving record, but other factors are not quite as obvious like your continuous coverage or how financially stable you are.

  • Your vocation can affect insurance coverage rates – Did you know your job can affect your rates? Jobs such as doctors, business owners and accountants generally pay the highest average rates attributed to stressful work requirements and lots of time spent away from family. Conversely, careers like farmers, athletes and homemakers pay the least on SS insurance.
  • Good drivers pay better prices – Your driving record has a big impact on rates. Only having one chargable violation may cause rates to rise to the point where it’s not affordable. Careful drivers get better rates as compared to careless drivers. Drivers who have received flagrant violations such as DUI, reckless driving or excessive speeding are required to prove financial responsibility with their state motor vehicle department in order to legally drive a vehicle.
  • Excellent credit saves on insurance coverage – Having a bad credit score can be a huge factor in determining premium rates. Insureds with high credit scores tend to be more responsible than those with lower ratings. If your credit is not that good, you could pay less to insure your 2017 Chevrolet SS by repairing your credit.
  • Insurance companies don’t like frequent claims – Companies give cheaper rates to insureds who file claims infrequently. If you file claims often, you can expect either higher rates or even cancellation. Your car insurance is meant to be used in the event of the large, substantial claims.
  • Liability is cheap – Your policy’s liability coverage is the coverage that protects you in the event that a court rules you are at fault for causing personal injury or damage in an accident. Liability provides for a legal defense to attempt to prove you were not liable. Liability is cheap compared to insuring for physical damage coverage, so insureds should have plenty of protection for their assets.
  • Only buy add-on coverages you need – There are many additional coverages that can waste your money if you aren’t careful. Coverage for things like coverage for rental cars, towing, and additional equipment coverage may be costing you every month. These may sound like a good investment when you first buy your policy, but if you’ve never needed them in the past consider taking them off your policy.
  • Premiums drop with age – Youthful drivers are statistically shown to get distracted easily behind the wheel therefore insurance coverage rates are much higher. More experienced drivers are more responsible, tend to cause fewer accidents and get fewer tickets.
  • Save money with alarms and GPS tracking – Owning a car with an alarm system can get you a discount on your insurance coverage. Systems that thwart theives like OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart car theft and help bring rates down.

Tricks in insurance coverage advertising

Popular insurance coverage providers such as Progressive, Geico, Allstate and State Farm endlessly run ads on television and other media. They all make the same claim about saving some big amount just by switching your coverage to them. Is it even possible that every company can offer you a better deal?

All companies look for specific characteristics for a prospective insured that earns them a profit. An example of this type of risk profile might be over the age of 40, has never had a claim, and drives less than 10,000 miles a year. Any new insured who fits that profile will most likely get cheap prices and as a result will probably cut their rates substantially.

Drivers who fall outside these criteria will be quoted higher premium rates which results in business going elsewhere. If you listen closely, the ads state “customers who switch” but not “everyone who gets a quote” will save that much if they switch. This is how insurance companies can claim big savings. This illustrates why you should compare price quotes frequently. Because you cannot predict the company that will provide you with the cheapest rates.

Auto insurance coverage information

Having a good grasp of your car insurance policy aids in choosing appropriate coverage and proper limits and deductibles. Car insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2017 Chevy SS.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Liability

This provides protection from damage that occurs to people or other property in an accident. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability insurance covers things such as attorney fees, medical expenses, repair bills for other people’s vehicles, bail bonds and emergency aid. How much coverage you buy is up to you, but consider buying as much as you can afford.

Coverage for medical payments

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as funeral costs, hospital visits, doctor visits and surgery. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage

Collision coverage

Collision insurance covers damage to your SS resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as hitting a parking meter, damaging your car on a curb, sustaining damage from a pot hole and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like vandalism, damage from flooding, rock chips in glass and a broken windshield. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

The best insurance company isn’t always the cheapest

Consumers who switch companies do it for a number of reasons such as delays in paying claims, an unsatisfactory settlement offer, delays in responding to claim requests or extreme rates for teen drivers. Regardless of your reason for switching companies, finding a great new company can be less work than you think.

Budget-conscious 2017 Chevy SS insurance can be found both online and from local agencies, and you need to comparison shop both to have the best rate selection. Some insurance companies may not have price quotes online and usually these regional carriers prefer to sell through independent agents.

As you shop your coverage around, don’t be tempted to sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced collision coverage and discovered at claim time that the small savings ended up costing them much more. Your goal is to find the BEST coverage at the best price, not the least amount of coverage.

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