2014 Chevrolet SS Car Insurance Quotes – 10 Ideas for Cheapest Rates

Trying to find better insurance rates for your Chevrolet SS? Having to pay for expensive Chevrolet SS insurance can overdraw your family’s budget and force you to tighten up your finances. Doing a rate analysis can be a smart way to slash your bill and have more diposable income.

With vehicle owners having so many choices, it’s nearly impossible to locate the lowest cost insurance company.

It’s important to shop coverage around quite often because insurance prices are variable and change quite frequently. If you had the best rates for SS insurance a couple years back there is a good chance you can find better premium rates now. Ignore everything you know about insurance because I’m going to let you in on the secrets to the easiest way to find great coverage at a great price.

This article will help educate you on the best way to quote coverages and some tips to save money. If you currently have car insurance, you should be able to lower your premiums substantially using this information. Consumers just need to understand the best way to get comparison quotes on the web.

Lower rates by qualifying for these ten discounts

Companies that sell car insurance don’t always list all their discounts very clearly, so the list below gives a summary of a few of the more well known as well as some of the hidden insurance coverage savings. If you’re not getting every credit you deserve, you are just wasting money.

  • Discount for Swiching Early – A few insurance companies allow discounts for switching to them prior to your current policy expiration. This can save 10% or more.
  • Low Miles Discount – Fewer annual miles on your Chevy could earn lower premium rates on the low mileage vehicles.
  • Save with a New Car – Insuring a new car is cheaper because new model year vehicles have to meet stringent safety requirements.
  • Active Service Discounts – Being deployed with a military unit could qualify you for better premium rates.
  • Safety Course Discount – Successfully completing a safe driver class could save 5% or more and easily recoup the cost of the course.
  • Passenger Safety Discount – Vehicles with factory air bags or motorized seat belts may get savings up to 30%.
  • Safe Drivers – Safe drivers can save as much as half off their rates for SS insurance than their less cautious counterparts.
  • Discount for Multiple Policies – If you combine your home and auto policies with the same insurance company you could earn a discount of at least 10% off all policies.
  • Student Driver Training – Require your teen driver to participate in a local driver’s education class in school.
  • Life Insurance – Larger insurance carriers have a small discount if you purchase life insurance.

You should keep in mind that most of the big mark downs will not be given the the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like all those discounts means the company will pay you, it doesn’t quite work that way.

To locate insurance coverage companies that provide some of the discounts listed above, click here.

Insurance is unique, just like you

When it comes to choosing the best insurance coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s and your policy should reflect that. These are some specific questions may help you determine whether you would benefit from an agent’s advice.

  • Can I afford to pay high deductible claims out of pocket?
  • What are the best liability limits?
  • When does my teenage driver need to be added to my policy?
  • Do all my vehicles need collision coverage?
  • If I drive on a suspended license am I covered?
  • Am I covered when pulling a rental trailer?
  • Is my cargo covered for damage or theft?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Advertising and car insurance

Consumers can’t escape the ads that claim the lowest auto insurance rates by companies like Allstate, GEICO and Progressive. All the companies state the claim that drivers will save a bundle just by moving your policy.

But how can every company claim to save you money? This is how they do it.

Different companies quote their best rates for the type of customer that makes them money. A good example of a profitable customer might be described as a married male, has never had a claim, and drives less than 10,000 miles a year. Someone that meets those criteria will get very good prices and most likely will save some money.

Consumers who don’t meet the ideal profile must pay a higher rate and this results in the driver buying from a lower-cost company. The trick is to say “people who switch” not “everybody who quotes” will save that much if they switch. That is how insurance companies can confidently lure you into getting a quote.

Because each company has a different risk profile, you really need to quote coverage with many companies. It’s just not possible to know which car insurance company will have the best auto insurance rates at this point in time.

Coverage specifics

Learning about specific coverages of insurance can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find the normal coverages found on most insurance policies.

Liability coverage

Liability coverage provides protection from damage that occurs to other people or property. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like medical expenses, court costs, structural damage, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Insurance for medical payments

Med pay and PIP coverage reimburse you for bills for X-ray expenses, surgery, dental work and ambulance fees. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2014 Chevy SS.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like rock chips in glass, a tree branch falling on your vehicle, damage from getting keyed and theft. The most you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Collision insurance

Collision insurance covers damage to your SS from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as colliding with a tree, colliding with another moving vehicle, hitting a parking meter, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Better coverage you can count on

While you’re price shopping online, it’s not a good idea to reduce coverage to reduce premium. There are many occasions where drivers have reduced uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. Your goal is to buy a smart amount of coverage at the best cost, but do not skimp to save money.

Budget-conscious 2014 Chevy SS insurance is possible from both online companies and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance companies may not provide rate quotes online and most of the time these smaller companies work with independent agents.

We just showed you many ideas to shop for 2014 Chevy SS insurance online. It’s most important to understand that the more price quotes you have, the higher the chance of saving money. You may even discover the lowest priced auto insurance comes from an unexpected company. These companies can often insure niche markets at a lower cost than the large multi-state companies such as Progressive and GEICO.

Much more information about auto insurance is available below: