Compare 2014 Chevrolet Cruze Car Insurance Quotes

Tired of trying to scrape together enough money to pay your car insurance bill each month? You have the same problem as most other people.

Lots of car insurance companies contend for your insurance dollar, so it’s not easy to compare every provider to discover the definitive best rate

It is always a good idea to shop coverage around before your next renewal since prices change frequently. Even if you think you had the best deal for Cruze coverage last year you may be paying too much now. Forget all the misinformation about car insurance because we’re going to show you the things you must know in order to save money, get proper coverage and the best rates.

The best way to get rate comparisons is to take advantage of the fact most of the bigger providers allow for online access to compare their rates. All consumers are required to do is spend a couple of minutes providing details like how much education you have, if the car is leased, if a SR-22 is needed, and how much coverage you want. Those rating factors is instantly submitted to many different companies and they return quotes with very little delay.

To compare rates for your 2014 Chevy Cruze now, click here and enter the information requested.

Tailor your car insurance coverage to you

When it comes to buying the right insurance coverage, there really is no cookie cutter policy. Every situation is different so your insurance should reflect that For instance, these questions can aid in determining if your situation will benefit from professional help.

  • Will filing a claim cost me more?
  • What if I don’t agree with a claim settlement offer?
  • Will I be non-renewed for getting a DUI or other conviction?
  • Should I get collision insurance on every vehicle?
  • Does liability extend to a camper or trailer?
  • Do I need special endorsements for business use of my vehicle?
  • Do I need replacement cost coverage?
  • Does coverage extend to Mexico or Canada?
  • Which is better, split liability limits or combined limits?
  • Why is insurance for a teen driver so high?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Car insurance coverages for a 2014 Chevy Cruze

Having a good grasp of insurance can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.

Comprehensive insurance

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hail damage, vandalism, falling objects, a broken windshield and hitting a bird. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as dental work, doctor visits, EMT expenses, chiropractic care and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Coverage for collisions

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

Collision coverage protects against claims such as scraping a guard rail, hitting a parking meter, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so consider dropping it from lower value vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability coverage

This coverage protects you from damage that occurs to other people or property by causing an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers things like legal defense fees, court costs, medical expenses and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Chevy Cruze.

Because many people 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 is important protection for you and your family. Usually these coverages do not exceed the liability coverage limits.