2012 Chevrolet Volt Insurance Rates – 7 Tips for Cheapest Quotes

Have you had enough of sacrificing to keep your car insured? You’re in the same situation as many other drivers. Big companies like State Farm, Progressive and GEICO promote their brand names with advertising and it is challenging if not impossible to see past the geckos and flying pigs and effectively compare rates to find the best deal.

Discount insurance coverage quotes

Some companies don’t necessarily list every available discount very clearly, so the list below gives a summary of both the well known as well as the least known credits that you can use to lower your rates. If you aren’t receiving every discount available, you are not getting the best rate possible.

• Good Driver Discounts – Drivers who avoid accidents may receive a discount up to 45% on Volt insurance compared to rates paid by drivers with frequent claims.
• Seat Belt Discounts – Forcing all vehicle occupants to use their safety belts could save 15% off PIP or medical payments premium.
• Government Employees – Simply working for the federal government can save as much as 8% on Volt insurance but check with your company.
• Multi-line Discount – Select insurance carriers reward you with a small discount if you purchase life insurance.
• Good Grades Discount – A discount for being a good student can earn a discount of 20% or more. Most companies allow this discount well after school through age 25.
• Discount for Low Mileage – Low annual miles can qualify you for substantially lower insurance coveragerates.
• Professional Memberships – Joining a qualifying organization can get you a small discount on your bill.

It’s important to understand that most of the big mark downs will not be given to your bottom line cost. A few only apply to the price of certain insurance coverages like liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.

A few of the larger companies and a selection of discounts can be found below.

• GEICO may include discounts for anti-lock brakes, emergency military deployment, air bags, multi-policy, and five-year accident-free.
• Travelers offers discounts including home ownership, multi-policy, IntelliDrive, continuous insurance, hybrid/electric vehicle, new car, and save driver.
• Farm Bureau offers premium reductions for safe driver, multi-policy, renewal discount, multi-vehicle, and driver training.
• Liberty Mutual may offer discounts for newly married, new graduate, preferred payment discount, hybrid vehicle, multi-policy, safety features, and teen driver discount.
• American Family discounts include good student, early bird, defensive driver, TimeAway discount, accident-free, bundled insurance, and good driver.
• Progressive policyholders can earn discounts including homeowner, multi-vehicle, good student, online quote discount, multi-policy, online signing, and continuous coverage.

When comparing rates, check with all companies you are considering how you can save money. Some discounts listed above might not be available to policyholders everywhere. To choose insurance companies that offer many of these discounts, click here to view.

The quickest method to get rate comparisons is to know the trick most larger insurance companies have advanced systems to give rate comparisons. To get started, all you need to do is give them some information such as whether you are single or married, whether your vehicle is owned or leased, how much you drive, and deductibles desired. Those rating factors is instantly submitted to multiple companies and you receive quotes very quickly.

To start a quote now, click here and find out if lower rates are available.

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Tailor your insurance coverage coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there is no one size fits all plan. Each situation is unique so your insurance needs to address that. For example, these questions might point out if your insurance needs would benefit from professional advice.

• Do I have coverage when making deliveries for my home business?
• Do I need replacement cost coverage?
• How can I find cheaper teen driver insurance?
• I have a DUI can I still get coverage?
• Should I buy full coverage?
• What is covered by UM/UIM coverage?
• Am I covered if I crash into my own garage door?
• Does my personal policy cover me when driving out-of-state?
• Should I rate my 2012 Chevy Volt as pleasure use or commute?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Are auto insurance companies telling the truth?

Drivers can’t get away from all the ads for cheaper auto insurance by Allstate, GEICO and Progressive. They all make the same claim about how much you will save if you get a free car insurance quote and switch your coverage.

It sounds good, but how can they all give you a better price? It’s all in how they say it.

Companies quote the lowest rates for the type of driver they prefer to insure. A good example of a desirable insured could be a married male, insures multiple vehicles, and drives a car with an anti-theft system. Any person who meets those qualifications receives the best car insurance rates and will also save if they switch.

Consumers who don’t measure up to this stringent profile will have to pay more expensive rates which translates to the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everyone who quotes” can get the lowest rates when switching. That is how insurance companies can confidently lure you into getting a quote. Because of this risk profiling, it is so important to compare many company’s premium rates. It is just not possible to predict the company that will have the lowest car insurance rates for your situation.

Car insurance coverages and their meanings

Having a good grasp of a car insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and nobody wants to actually read their policy. Shown next are the usual coverages offered by car insurance companies.

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, fire damage and rock chips in glass. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance

This protects you from damage or injury you incur to other people or property that is your fault. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as medical services, legal defense fees and funeral expenses. How much coverage you buy is a personal decision, but consider buying higher limits if possible.

Collision coverage

Collision insurance pays for damage to your Volt resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as colliding with a tree, hitting a mailbox, colliding with another moving vehicle, crashing into a building and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2012 Chevy Volt.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP kick in for bills for chiropractic care, rehabilitation expenses, pain medications and dental work. They are often utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

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Power to the consumer

Some companies may not have the ability to get quotes online and many times these regional insurance providers provide coverage only through independent agents. The cheapest 2012 Chevy Volt insurance is definitely available from both online companies in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates.

As you prepare to switch companies, it’s a bad idea to sacrifice coverage to reduce premiums. In many cases, someone sacrificed physical damage coverage and learned later that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase plenty of coverage at the lowest possible cost.

We’ve covered a lot of techniques to lower your 2012 Chevy Volt insurance premium rates. It’s most important to understand that the more times you quote, the more likely it is that you will get a better rate. You may even discover the most savings is with the smaller companies. These companies may cover specific market segments cheaper than their larger competitors like Progressive or GEICO.

To read more, feel free to browse the articles below:

• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Property Damage Coverage (Liberty Mutual)
• Understanding Limits and Deductibles (Allstate)
• Your Car has been Stolen: Now What? (Allstate)
• Safety Features for Your New Car (State Farm)

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