How Much Does 2015 Chevrolet Cruze Car Insurance Cost?

Do you get frustrated by the number of insurance companies? Many other drivers are as well. consumers have so many choices that it can easily turn into a real hassle to find the perfect company for you.

It’s a good habit to take a look at other company’s rates once or twice a year since rates are usually higher with each renewal. Even if you think you had the lowest rate for Cruze coverage at your last renewal you will most likely find a better price today. There is a lot of bad information regarding insurance online, but by reading this article, you’re going to learn some of the best techniques to buy insurance cheaper.

Affordable car insurance quotes

When shopping for car insurance there are multiple ways of comparing price quotes from many available car insurance companies in your state. The quickest method to compare 2015 Chevy Cruze insurance prices involves getting comparison quotes online. This can be accomplished in just a few minutes using one of these methods.

  1. One of the simplest ways to get the best comparison quotes would be an industry-wide quote request form click here to open form in new window. This style of form eliminates the need for boring form submissions for each company you want a rate for. In just a few minutes this one form gets prices estimates from multiple companies. This is by far the quickest method.
  2. A less efficient way to analyze rates is to take the time to go to each company’s website and go through the quote process again. For sake of this example, we’ll assume you want comparison quotes from USAA, Progressive and Travelers. You would have to navigate to each company’s site and repeatedly enter your information, which can get rather old.

    To view a list of companies in your area, click here.

It’s up to you which method you use, but make sure you are using equivalent coverage information on every price quote you get. If you compare differing limits it will be impossible to find the best deal for your Chevy Cruze. Just a small difference in insurance coverages or limits may result in a large different in cost. Just keep in mind that comparing all the rates in your area helps increase your odds of locating the best price.

Cheap insurance coverage rates with discounts

Some insurance providers don’t always advertise every policy discount very clearly, so here is a list both well-publicized and also the lesser-known credits that may apply to you.

  • Multi-policy Discount – When you combine your auto and home insurance with the same company you may earn up to 20% off your total premium.
  • Drivers Education – Teen drivers should enroll in driver’s education in school or through a local driver safety program.
  • Accident-Free Discounts – Good drivers with no accidents pay less as opposed to frequent claim filers.
  • More Vehicles More Savings – Insuring more than one vehicle on a single policy qualifies for this discount.
  • Accident Forgiveness Coverage – but companies like Liberty Mutual and GEICO allow you one accident before your rates go up so long as you haven’t had any claims prior to the accident.

Remember that some credits don’t apply to the entire policy premium. Some only reduce specific coverage prices like medical payments or collision. Even though it may seem like you can get free auto insurance, insurance coverage companies aren’t that generous. Any qualifying discounts will cut the cost of coverage.

To see companies with the best discounts, follow this link.

Insurance rate influencing factors

Many factors are used in the calculation when quoting car insurance. Most are fairly basic like your driving record, but some are not quite as obvious such as whether you are married or how safe your car is.

Shown below are most of the major factors used by your company to calculate prices.

  • Don’t cancel your policy without a new one in place – Allowing your car insurance policy to lapse will be a guaranteed way to increase your renewal premiums. Not only will you pay more, getting caught without coverage can result in fines or a revoked license.
  • Lower rates for married couples – Getting married can actually save you money compared to being single. Marriage demonstrates that you tend to be more responsible and statistics show married couples file fewer claims.
  • Credit rating impacts premium costs – Having a bad credit rating is a big factor in your rate calculation. Insureds that have very good credit scores tend to be more responsible as compared to drivers with lower credit ratings. If your credit history is low, you could be paying less to insure your 2015 Chevrolet Cruze if you improve your credit rating.
  • Teenage drivers are expensive to insure – Teen drivers are statistically proven to be easily distracted behind the wheel and because of this, their car insurance rates are much higher. More mature drivers are viewed as being more responsible, are lower risk to insure and receive fewer citations.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage, there is no “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that might help in determining whether your personal situation could use an agent’s help.

  • Does my policy pay for OEM or aftermarket parts?
  • Is there coverage for injuries to my pets?
  • What is PIP insurance?
  • Am I missing any policy discounts?
  • Should I buy only the required minimum liability coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I have coverage when pulling a U-Haul trailer?
  • What exactly is covered by my policy?

If you don’t know the answers to these questions, you may need to chat with an agent. To find an agent in your area, complete this form.

Coverages available on your car insurance policy

Understanding the coverages of car insurance can help you determine the best coverages for your vehicles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your 2015 Chevy Cruze.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Liability coverages

Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage protects against things like medical services, court costs and funeral expenses. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive auto coverage

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as a broken windshield, damage from getting keyed, theft, rock chips in glass and a tree branch falling on your vehicle. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as X-ray expenses, surgery and hospital visits. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Collision coverage protection

This will pay to fix damage to your Cruze from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a parking meter, crashing into a ditch and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Buy online or local, you save

Cost effective 2015 Chevy Cruze insurance is definitely available on the web and from local agencies, and you should compare price quotes from both to get a complete price analysis. A few companies do not offer price quotes online and most of the time these small insurance companies work with local independent agencies.

We just presented some good ideas how to reduce 2015 Chevy Cruze insurance rates online. The key thing to remember is the more you quote insurance coverage, the better your chances of lowering your auto insurance rates. Consumers could even find that the most savings is with an unexpected company.

Insureds switch companies for a number of reasons such as delays in responding to claim requests, questionable increases in premium, policy non-renewal and being labeled a high risk driver. It doesn’t matter what your reason, finding a new company can be pretty painless.

Additional information