Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Full Bio →

Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

Benjamin Carr was a licensed insurance agent in Georgia and has two years’ experience in life, health, property and casualty coverage. He has worked with State Farm and other risk management firms. He is also a strategic writer and editor with a background in branding, marketing, and quality assurance. He has been in military newsrooms — literally on the frontline of journalism.

Full Bio →

Reviewed by Benji Carr
Former Licensed Life Insurance Agent Benji Carr

UPDATED: Oct 6, 2015

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Looking for better insurance rates for your Chevrolet SSR? Finding better insurance prices for your Chevy SSR can be a painful process, but you can use a few tricks to make it easier. There is a better way to shop for insurance and we’ll show you the best way to get price quotes for a new or used Chevy and find the lowest price from local insurance agents and online providers.

It is always a good idea to compare prices every six months since prices are rarely the same from one policy term to another. Despite the fact that you may have had the best deal for SSR insurance a year ago a different company probably has better rate quotes today. You’ll find a ton of advice on insurance out there, but in this article, you’re going to get some proven techniques to put money back in your pocket.

Buying car insurance is quite easy. If you have insurance now or are just looking to switch companies, you can use these techniques to get lower rates and possibly find even better coverage. Consumers just need to understand the most efficient way to shop online.

Chevy SSR insurance costs can be more affordable

Smart consumers have a good feel for a few of the rating criteria that help calculate the price you pay for car insurance. If you have a feel for what influences your rates, this empowers consumers to make smart changes that may reward you with better car insurance rates. Many things are part of the equation when premium rates are determined. A few of the factors are predictable like an MVR report, although others are more obscure like where you live or how safe your car is.

Listed below are most of the major factors companies use to determine your premiums.

  • Prevent your car from being stolen – Owning a car with anti-theft technology or alarm system can save you a little every year. Systems that thwart theives like GM’s OnStar, tamper alarm systems and vehicle immobilizers all help stop auto theft.
  • Higher deductibles cost less – Physical damage protection, also called ‘full coverage’, insures against damage to your Chevy. Some coverage claims are a windshield shattered by a rock, damage caused by hail, and having your car stolen. Comprehensive and collision coverage deductibles are how much the insured will be required to pay if you file a covered claim. The larger the amount you pay before a claim is paid (deductible), the less your car insurance will be for SSR insurance.
  • Annual miles impacts costs – Driving more miles annually the more you’ll pay to insure your vehicle. The majority of insurers rate vehicles based on their usage. Vehicles that do not get driven very much receive better premium rates than those used for commuting. Having the wrong rating on your SSR may be wasting your money. Make sure your car insurance policy is showing the correct usage for each vehicle.
  • Rural vs Urban Areas – Residing in smaller towns and rural areas of the country is a positive aspect when trying to find low car insurance rates. Less people living in that area means a lower chance of having an accident and a lower car theft rate. Drivers in populated areas have more aggressive driving styles and more time behind the wheel. The longer drive time statistically corresponds to a higher accident and claim rate.
  • Car and home together may be cheaper – Most larger insurers afford discounts to people who have multiple policies with them. It’s known as a multi-policy discount. Even with this discount, you may still want to compare rates to guarantee you are still saving the most.
  • High policy claims frequency drives up car insurance rates – Insurance companies generally give the best rates to policyholders that do not abuse their auto insurance. If you tend to file frequent claims, you can look forward to higher rates. Your car insurance is meant to be used in the event of more catestrophic claims.
  • Married people drive safer – Having a spouse helps lower the price when buying car insurance. Marriage translates into being more mature and statistics prove married drivers get in fewer accidents.
  • Avoid policy lapses – Not maintaining insurance can get your license suspended and you will pay a penalty because you let your insurance expire. In addition to paying higher premiums, being ticketed for driving with no insurance may earn you a license revocation or jail time.

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Insurance discounts help reduce rates

Some insurers don’t always publicize every possible discount in a way that’s easy to find, so the list below gives a summary of a few of the more common as well as some of the hidden discounts that you may qualify for. If you do not double check each discount possible, you’re just leaving money on the table.

  • Responsible Driver Discount – Drivers who don’t get into accidents could pay up to 40% less for SSR insurance as compared to drivers with claims.
  • Multi-policy Discount – If you combine your auto and home policies and insure them with the same company you could get a discount of approximately 10% to 15%.
  • Air Bag Discount – Factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Include Life Insurance and Save – Select insurance companies reward you with a discount if you purchase some life insurance in addition to your auto policy.
  • Drive Less and Save – Maintaining low annual mileage can earn substantially lower prices.
  • Multiple Cars – Buying insurance for multiple cars on a single policy could earn a price break for each car.

One last thing about discounts, many deductions do not apply the the whole policy. Most only reduce individual premiums such as medical payments or collision. So even though it sounds like you would end up receiving a 100% discount, nobody gets a free ride. But all discounts will help lower your insurance premiums.

If you would like to see a list of insurance companies with discount rates, click here.

Brand name doesn’t guarantee savings

Consumers can’t get away from all the ads for the lowest price insurance from the likes of GEICO, State Farm and Progressive. They all seem to make the same claim that drivers can save some big amount if you change to their company.

How does every insurance company give you a better price? Here is the trick they use.

Insurance companies provide the lowest rates for the type of customer that makes them money. For example, this type of insured could be between the ages of 30 and 45, has no tickets, and drives less than 7,500 miles a year. Any driver who matches that profile will probably get cheap premium rates as well as save when they switch companies.

Insureds who cannot meet this stringent profile may be required to pay higher rates and this can result in business not being written. The ads state “customers that switch” not “all people who quote” can save as much as they claim. That’s why insurance companies can confidently make it sound like they have such great prices. This really illustrates why you need to compare many company’s prices. Because without a comparison, you cannot know which insurance companies will have the best premium rates for your profile.

Which is the best car insurance?

When choosing proper insurance coverage, there isn’t really a “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that can aid in determining if your situation would benefit from professional advice.

  • Do I need an umbrella policy?
  • Is my babysitter covered when using my vehicle?
  • What if I owe more than I can insure my car for?
  • Does my personal policy cover me when driving out-of-state?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Does my liability insurance cover pulling a trailer or camper?
  • How high should my uninsured/underinsured coverage be in my state?
  • Am I covered when pulling a rental trailer?
  • Can I make deliveries for my home business?
  • How does medical payments coverage work?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, simply complete this short form. It’s fast, doesn’t cost anything and may give you better protection.

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

Auto insurance specifics

Having a good grasp of auto insurance aids in choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for expenses such as chiropractic care, surgery, dental work and funeral costs. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage protects you from damages or injuries you inflict on a person or their property in an accident. This coverage protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as legal defense fees, structural damage, pain and suffering and bail bonds. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Chevy SSR.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Collision insurance

This pays to fix your vehicle from damage resulting from a collision with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as hitting a parking meter, rolling your car, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as fire damage, vandalism, a tree branch falling on your vehicle, hitting a deer and hitting a bird. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Don’t be a big spender

There are still a few companies who may not have rates over the internet and many times these smaller companies only sell through local independent agencies. The cheapest 2003 Chevy SSR insurance is attainable from both online companies in addition to many insurance agents, and you need to comparison shop both to have the best rate selection.

Drivers change insurance companies for any number of reasons including denial of a claim, high prices, lack of trust in their agent or policy non-renewal. No matter why you want to switch, switching companies is less work than it seems.

When trying to cut insurance costs, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many cases, drivers have reduced uninsured motorist or liability limits only to discover later that they should have had better coverage. The aim is to get the best coverage possible for the lowest cost, but don’t skip important coverages to save money.

Additional detailed information can be found at these sites: