Compare 2014 Chevrolet Captiva Sport Car Insurance Rates

Looking for better insurance rates for your Chevrolet Captiva Sport? Shopping for budget-priced insurance may seem to be somewhat intimidating for vehicle owners that are not comfortable with quoting and price shopping over the internet. Because there are so many companies in the marketplace, how can you effectively compare the different rates to find the lowest price available?

Consumers need to do price comparisons yearly because insurance prices are rarely the same from one policy term to another. Just because you had the best deal on Captiva Sport coverage on your last policy there is a good chance you can find better premium rates now. There is lot of inaccurate information about insurance on the internet, but you can learn some great ways to find affordable insurance.

Take advantage of every insurance discount

Companies offering auto insurance don’t necessarily list all their discounts in an easy-to-find place, so we researched both the well known and also the lesser-known discounts that you may qualify for.

  • Auto/Life Discount – Larger insurance companies have lower premium rates if you buy life insurance.
  • Passenger Safety Discount – Options like air bags or motorized seat belts can receive discounts as much as 30%.
  • Safety Course Discount – Completing a driver safety course can save you 5% or more and easily recoup the cost of the course.
  • More Vehicles More Savings – Having multiple vehicles on one policy can reduce rates for all insured vehicles.
  • Telematics Data Discounts – Drivers that enable their insurance company to analyze driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could save a few bucks if they show good driving skills.

You should keep in mind that some credits don’t apply to all coverage premiums. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all the discounts add up to a free policy, you aren’t that lucky.

Some of the insurance companies that possibly offer these benefits are:

It’s a good idea to ask each company what discounts are available to you. Depending on the company, some discounts might not be offered on policies everywhere. To see providers that provide some of the discounts listed above, click here.

The fastest way that we advise to compare insurance rates in your area is to take advantage of the fact most of the bigger providers pay for the opportunity to quote your coverage. The one thing you need to do is provide a little information like the make and model of your vehicles, if you went to college, if your license is active, and whether you are married. That rating information is instantly provided to insurance companies and they respond with quotes quickly.

Get Chevy Captiva Sport insurance more affordably

Part of the auto insurance buying process is learning a few of the rating criteria that are used to determine auto insurance rates. When you understand what determines premiums, this helps enable you to make changes that could result in cheaper rates.

Shown below are some of the major factors that factor into your rate level.

  • Pay more of a claim out-of-pocket – Comp and collision deductibles are the amount of money the insured will be required to pay if the claim is covered. Insurance for physical damage, aka comp and collision, covers damage that occurs to your car. Some coverage claims could be collision with another vehicle, fire damage, and damage caused by road hazards. The more of the claim the insured has to pay upfront, the less money you will pay for auto insurance on Captiva Sport coverage.
  • Prices for males may be higher – Statistics demonstrate that men are more aggressive behind the wheel. That doesn’t necessarily mean that women are better drivers. Men and women tend to get into auto accidents in similar numbers, but men cause more damage. In addition to higher claims, males also receive more costly citations like reckless driving and DUI.
  • Your career may increase auto insurance rates – Jobs like doctors, social workers and stock brokers are shown to have the highest rates in part from high stress levels and long work hours. On the other hand, jobs such as farmers, historians and homemakers receive lower rates on Captiva Sport coverage.
  • Avoid tickets and save – A bad driving record impacts your car insurance rates tremendously. Having just one ticket can boost insurance rates twenty percent or more. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Drivers who have careless violations like reckless driving, hit and run or driving under the influence might be required by their state to complete a SR-22 with their state’s licensing department in order to prevent their license from being revoked.
  • Maintain auto insurance coverage – Having a gap between insurance policy dates is a guaranteed way to bump up your auto insurance costs. Not only will rates go up, not being able to provide proof of insurance will get you a steep fine or even jail time. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Cars with good safety ratings mean better rates – Safer cars tend to have better insurance rates. Vehicles built for safety reduce injuries and lower rates of occupant injuries means less money paid by your insurance company and lower rates for you.

How to know if you need help

When buying adequate coverage, there really is not a “best” method to buy coverage. Everyone’s situation is unique.

For instance, these questions could help you determine if you would benefit from an agent’s advice.

  • Am I covered if my car is in a flood?
  • Is pleasure use cheaper than using my 2014 Chevy Captiva Sport to commute?
  • Which companies will insure high-risk drivers?
  • How high should my medical payments coverage be?
  • What discounts do I qualify for?
  • Why do I need rental car insurance?
  • What if I total my 2014 Chevy Captiva Sport and owe more than it’s worth?

If you don’t know the answers to these questions then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Save $422 a year? Really?

Well-known insurance companies like GEICO, State Farm and Progressive regularly use ads on television and other media. All the ads have a common claim that drivers can save some big amount if you just switch to them. Is it even possible that every company can save you money? You have to listen carefully.

Insurance companies quote the lowest rates for the type of driver that makes them money. One example of this type of insured could be between the ages of 30 and 45, carries high limits, and drives less than 7,500 miles a year. Anybody that fits those parameters receives the best car insurance rates as well as cut their rates if they switch.

Potential insureds who fall outside the ideal profile will get higher rates and ends up with the customer not purchasing. If you listen to the ad wording, they say “people that switch” not “all people who quote” save that much when switching. This is how companies can make those statements. That is why it is so important to compare rate quotes every year. Because you never know the company that will fit your personal profile best.

Car insurance coverages for a Chevy Captiva Sport

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

Liability

Liability coverage will cover damages or injuries you inflict on people or other property by causing an accident. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.

Liability coverage protects against claims like court costs, repair costs for stationary objects, attorney fees, medical expenses and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy as much as you can afford.

Medical costs insurance

Coverage for medical payments and/or PIP pay for expenses like chiropractic care, rehabilitation expenses, EMT expenses and nursing services. The coverages can be used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverage protection

Collision coverage covers damage to your Captiva Sport 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 can pay for things such as sustaining damage from a pot hole, sideswiping another vehicle, scraping a guard rail, rolling your car and crashing into a ditch. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive or Other Than Collision

This covers damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a bird, theft and damage from flooding. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and also any damage incurred to your Chevy Captiva Sport.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

More choices the merrier

Some insurance companies don’t offer online price quotes and most of the time these regional insurance providers provide coverage only through local independent agents. Cost effective 2014 Chevy Captiva Sport insurance can be purchased online and from local insurance agents, and you should compare rates from both to have the best chance of lowering rates.

Drivers leave their current company for a variety of reasons including extreme rates for teen drivers, denial of a claim, unfair underwriting practices and even delays in responding to claim requests. It doesn’t matter why you want to switch choosing a new insurance company can be pretty painless.

As you shop your coverage around, it’s a bad idea to buy less coverage just to save a little money. In many instances, consumers will sacrifice liability limits or collision coverage only to discover later they didn’t purchase enough coverage. Your goal is to find the BEST coverage at the best cost.

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