2018 Chevrolet Cruze Insurance Rates

Looking for better auto insurance rates for your Chevrolet Cruze? Pricey Chevrolet Cruze insurance can dwindle your accounts and make it hard to pay other bills. Big-name insurance companies like State Farm, Allstate, Geico and Progressive continually bombard you with fancy advertisements and it can be hard to separate fact from fiction and take the time to shop coverage around.

Consumers should take time to check auto insurance prices once or twice a year since rates fluctuate regularly. If you had the best rate on Cruze insurance at your last renewal there may be better deals available now. Forget all the misinformation about auto insurance because we’re going to demonstrate the best methods to get good coverage at a lower rate.

Discounts for cheap auto insurance rates

Car insurance is not cheap, but there’s a good chance there are discounts that may help make it more affordable. Some discounts apply automatically at the time you complete a quote, but once in a while a discount must be manually applied before they will apply.

  • Multi-line Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Federal Employees – Active or former government employment could cut as much as 10% off on Cruze insurance but check with your company.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts of up to 25% or more.
  • Low Miles Discount – Driving less can earn lower premium rates due to less chance of an accident.
  • Pay Now and Pay Less – If paying your policy premium upfront rather than paying in monthly installments you may reduce your total bill.
  • Discount for Swiching Early – Some companies reward drivers for buying a new policy early. It could save around 10% when you buy auto insurance online.
  • Service Members Pay Less – Having an actively deployed family member can result in better rates.
  • Resident Student – Kids who are enrolled in a college that is more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Good Driver Discount – Safe drivers can save as much as half off their rates on Cruze insurance than their less cautious counterparts.
  • Accident Free – Drivers with accident-free driving histories get the best auto insurance rates in comparison to frequent claim filers.

We need to note that many deductions do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, you’re out of luck.

To view auto insurance companies who offer free auto insurance quotes, click here to view.

Finding insurance

Getting a low cost price on 2018 Chevy Cruze insurance is surprisingly easy. Consumers just need to take the time to compare free auto insurance quotes online with multiple companies. Comparing prices online can be done using a couple different methods.

The most efficient way consumers can analyze rates is a comparison rater form click to view form in new window. This type of form saves time by eliminating a different quote to each individual insurance company. One form gets insurance cost estimates from multiple low-cost companies.

A harder way to find better pricing requires visiting each individual company website and repeat the quote process again and again. For examples sake, we’ll pretend you want rates from Liberty Mutual, Safeco and Travelers. In order to get each rate, you would have to take the time to go to each site to enter your coverage information, which is why the first method is more popular.

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

The final method to comparison shop is actually driving to local insurance agencies. The internet can eliminate the need for a local agent unless you want the trained advice of a local agent. Although, it is possible get prices online but buy the policy through an agent.

The method you choose is up to you, but try to keep nearly identical coverage information on every price quote you get. If you compare different coverage information it’s not possible to make an equal comparison.

How you can control Chevy Cruze insurance prices

Multiple criteria are used in the calculation when pricing auto insurance. Most are fairly basic like an MVR report, but other criteria are less obvious like your vehicle usage or your financial responsibility.

  • Cheaper premiums for being claim-free – If you’re an insured who likes to file claims you shouldn’t be surprised to get either a policy non-renewal or much higher rates. Car insurance companies generally give the best rates to drivers who do not rely on their insurance for small claims. Auto insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Policy add-ons may be wasting money – Policies have optional add-on coverages that you can get tricked into buying if you aren’t diligent. Add-on coverages like personal injury protection, better glass coverage, and extra equipment coverage may be costing you every month. You may think they are a good idea when buying your policy, but if you have no use for them get rid of them and save.
  • Insurance coverage rates and your occupation – Did you know your career choice can influence rates? Occupations like lawyers, business owners and medical professionals tend to have higher premium rates attributed to high stress and extremely grueling work hours. On the flip side, professions such as professors, historians and performers generally pay rates lower than average on Cruze insurance.
  • How much liability insurance do you need? – Your insurance coverage policy’s liability coverage will afford coverage when a court rules you are at fault for physical damage or personal injury to other. It will provide you with a defense in court which can cost thousands of dollars. It is affordable coverage compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Higher comp and collision deductibles save money – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, helps pay for damage to your vehicle. Some examples of covered claims are running into the backend of another car, collision with an animal, and having your car stolen. The deductibles you choose are how much you are willing to pay out-of-pocket if you file a covered claim. The larger the amount you are required to pay out-of-pocket, the better rate you will receive on Cruze insurance.
  • Insurance rates for married couples – Having a wife or husband can actually save you money on your insurance coverage bill. It demonstrates that you tend to be more mature and responsible and it’s statistically proven that married drivers tend to have fewer serious accidents.
  • Premiums may be higher where you live – Residing in less populated areas of the country can be a good thing when insuring your vehicles. Fewer drivers and short commutes means reduced accidents as well as less vandalism and auto theft. Drivers in populated areas have more auto accidents and much longer commute distances. Longer commute distances translates into higher accident risk.
  • Keep the miles off and save – Driving more miles every year the more you’ll pay to insure your vehicle. Most insurance companies calculate rates based upon how you use the vehicle. Vehicles that are left in the garage can get a lower rate than those used for commuting. A policy that improperly rates your Cruze is throwing money out the window. It’s a smart idea to ensure your vehicle rating properly reflects the correct usage for each vehicle, because it can save money.

Tailor your insurance coverage to you

When it comes to choosing the best insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different so this has to be addressed. Here are some questions about coverages that may help you determine if your situation would benefit from professional advice.

  • Do I need PIP (personal injury protection) coverage in my state?
  • What is an SR-22 filing?
  • Do I need replacement cost coverage?
  • Is extra glass coverage worth it?
  • Why does it cost so much to insure a teen driver?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • Can I make deliveries for my home business?
  • Can I drive in Mexico and have coverage?
  • Do I pay less for low miles?

If you don’t know the answers to 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, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Can you really save $450 a year?

Consumers can’t get away from all the ads that claim the cheapest rates from companies such as 21st Century, Allstate and State Farm. They all tend to make the same promise of big savings if you move your insurance coverage coverage to their company.

Is it even possible that every company can charge lower premium rates?

Most companies have specific characteristics for the driver that earns them a profit. One example of a profitable customer may be between the ages of 30 and 50, has had continuous coverage, and drives a car with an anti-theft system. A propective insured that matches those criteria will probably get cheap premium rates and will save when they switch companies.

Potential insureds who do not fit the ideal profile will have to pay higher premiums and this results in business not being written. The wording the ads use say “people who switch” not “everybody who quotes” can get the lowest rates when switching. That’s the way insurance companies can make claims like that. Each company has different criteria, so it’s extremely important to compare as many free auto insurance quotes as you can. It is impossible to predict which insurance coverage company will have the best car insurance rates for your profile.

Learn about insurance coverages for a Chevy Cruze

Understanding the coverages of a insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Shown next are typical coverages found on the average insurance policy.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Cruze.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses like funeral costs, surgery and hospital visits. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. They cover both the driver and occupants and also covers getting struck while a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Collision – Collision insurance pays for damage to your Cruze resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as scraping a guard rail, colliding with another moving vehicle, damaging your car on a curb, backing into a parked car and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible in order to get cheaper collision rates.

Liability auto insurance – This protects you from damages or injuries you inflict on other’s property or people. This insurance protects YOU from claims by other people, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery.

Liability insurance covers things like medical expenses, bail bonds and loss of income. How much liability should you purchase? That is your choice, but buy higher limits if possible.

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

Comprehensive coverage pays for things such as hitting a deer, vandalism, fire damage and a tree branch falling on your vehicle. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Final thoughts

When searching for cheap auto insurance quotes, it’s not a good idea to reduce coverage to reduce premium. There are too many instances where an insured dropped collision coverage to discover at claim time that the small savings ended up costing them much more. Your goal is to buy the best coverage you can find at a price you can afford, but don’t skip important coverages to save money.

In this article, we covered some good ideas how you can compare 2018 Chevy Cruze insurance auto insurance rates online. The key thing to remember is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the best auto insurance rates are with a small mutual company. Some small companies may often insure only within specific states and give getter rates than their larger competitors like State Farm and Allstate.

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