How to Get the Absolute Lowest Rates When Insuring a Chevy Cruze

Locating cheaper insurance for your Chevy Cruze can turn out to be a lot of work, but you can use these tips to make it easier. There is a better way to find auto insurance online so you’re going to learn the best way to quote coverages for a Chevy and find the best price possible from local insurance agents and online providers.

Lower rates by qualifying for discounts

Companies don’t always advertise every discount in a way that’s easy to find, so we took the time to find both the well known and the harder-to-find savings tricks you should be using.

Drivers Education – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
Defensive Driving Course – Completing a driver safety course can save you 5% or more depending on where you live.
Passive Restraint Discount – Factory air bags and/or automatic seat belt systems can get savings up to 30%.
Government Employees – Active or retired federal employment may qualify you for a discount on Cruze insurance with certain companies.
Paperless Signup – Some insurance companies will discount your bill up to fifty bucks for buying your policy on their website.
Resident Student – Youth drivers who live away from home and don’t have a car can receive lower rates.
Life Insurance – Some companies give better rates if you take out life insurance.
Sign Early and Save – Select companies give a discount for switching policies prior to your current policy expiring. It can save you around 10%.
Drive Safe and Save – Drivers who avoid accidents may receive a discount up to 45% less on Cruze insurance than their less cautious counterparts.

As a disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to the cost of specific coverages such as comprehensive or collision. So when it seems like all the discounts add up to a free policy, you’re out of luck.

For a list of providers who offer auto insurance discounts, follow this link.

Compare Quotes for Auto Insurance

Effectively comparing auto insurance prices can take time and effort if you don’t understand the most efficient way. You can spend your afternoon talking to insurance agencies in your area, or you can utilize the internet to get prices fast.

Most of the best insurance companies participate in a marketplace that enables customers to submit their information once, and each company returns a rated price. This eliminates the need for quote requests to each individual auto insurance company. To participate in this free quote system, click here to open in new window.

One minor caviat to doing it this way is you are unable to specify which companies you want to price. If you wish to select individual companies to receive pricing from, we put together a list of low cost auto insurance companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just double check that you are using apples-to-apples coverages for every company. If you enter differing limits it will be impossible to make an equal comparison. Having just a slight variation in insurance coverages may result in large price differences. And when comparison shopping, getting more free quotes helps you find lower pricing.

Elements that influence Chevy Cruze rates

An important part of buying insurance is that you know some of the elements that help determine auto insurance rates. Understanding what determines base rates empowers consumers to make smart changes that can help you get lower auto insurance prices.

Traffic violations increase rates – Careful drivers tend to pay less for car insurance than bad drivers. Even a single citation can boost insurance rates twenty percent or more. Drivers who get serious violations like reckless driving, hit and run or driving under the influence may be required to file a SR-22 to the state department of motor vehicles in order to continue driving.
Women pay lower rates – The statistics show that women are safer drivers than men. However, this does not mean men are WORSE drivers than women. Women and men cause accidents in similar numbers, but the male of the species have costlier accidents. Men also tend to get more serious tickets like DUI and reckless driving. Youthful male drivers are the most expensive to insure and therefore are the most expensive to insure.
What type of vehicle do you drive? – The make and model of the car you own makes a big difference in your rates. Since the Chevrolet Cruze is classified as a passenger car, insuring your vehicle will cost similar in price or lower when compared to the average rates. Small economy passenger cars generally have the cheapest insurance rates, but there are many factors that impact the final cost.
Do you need those extra coverages? – There are quite a few extra bells and whistles that you can get tricked into buying on your Cruze policy. Coverages for personal injury protection, accidental death and membership fees may be wasting your money. These may sound like a good investment initially, but your needs may have changed so eliminate them to save money.
Your credit rating is important – Having a bad credit rating is a big factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure than those with lower ratings. So if your credit rating can use some improvement, you could pay less to insure your Chevrolet Cruze by repairing your credit.
Older drivers save more – Mature drivers are viewed as being more responsible, file fewer claims and tend to be better behind the wheel. Teenage drivers tend to be careless and easily distracted in a vehicle and because of this, their auto insurance rates are much higher.
Don’t cancel a policy without a new one in place – Not having insurance is illegal and your next policy will cost more because you let your insurance expire. Not only will rates go up, but not being able to provide proof of insurance might get you a hefty fine and possibly a revoked license.You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.
Better crash test results mean better rates – Safer cars tend to have better insurance rates. These vehicles result in less severe injuries and better occupant protection translates into savings for insurance companies and more competitive rates for policyholders. If the Chevy Cruze has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.

Your insurance agent down the street

Some people just want to buy from a local agent and that is OK! The biggest benefit of comparing rates online is you may find lower rates and still have an agent to talk to.

Once you complete this quick form, the coverage information is immediately sent to local insurance agents who will return price quotes for your coverage. There is no reason to leave your computer as quotes are delivered to your email. It doesn’t get any easier! It’s the lowest rates and a licensed agent to work with.

Picking an insurer needs to be determined by more than just a cheap price. Here are some questions to ask:

Is the agent and/or agency licensed to do business in your state?
How long has their agency been in business?
What is the agency’s Better Business Bureau rating?
Are they full-time agents?
How often do they review policy coverages?
Will vehicle repairs be made with aftermarket parts or OEM replacement parts?

If you wish to view licensed agents in your state, click here.

Upon getting answers to your satisfaction to any questions you have and a low price estimate, you’ve probably found an insurer that will service your policy.

Is there truth in advertising?

Companies like GEICO, State Farm and Progressive constantly bombard you with television and radio advertisements. All the ads make the same claim of big savings if you switch your policy. How does each company claim to save you money?

Insurance companies have a preferred profile for the driver that makes them money. For instance, a profitable customer could possibly be between the ages of 40 and 55, has no prior claims, and chooses high deductibles. A propective insured that hits that “sweet spot” will get the preferred rates and is almost guaranteed to cut their rates substantially.

Potential customers who are not a match for the “perfect” profile will be charged higher premiums which usually ends up with business not being written. Company advertisements say “customers who switch” not “everyone that quotes” save that much money. This is how insurance companies can confidently claim big savings. That is why drivers must compare as many rates as you can. You cannot predict which auto insurance company will have the lowest rates.

More quotes mean more savings

Low-cost Chevy Cruze insurance is possible on the web in addition to many insurance agents, and you should compare price quotes from both to have the best selection. Some insurance providers do not provide you the ability to get quotes online and many times these regional insurance providers only sell through independent insurance agents.

When you buy insurance online, you should never sacrifice coverage to reduce premiums. Too many times, an accident victim reduced full coverage only to regret that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to purchase plenty of coverage for the lowest price, not the least amount of coverage.

Drivers who switch companies do it for any number of reasons including not issuing a premium refund, policy cancellation, high prices or lack of trust in their agent. No matter why you want to switch, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.