Shoppers have options when shopping for low-cost Chevy Captiva Sport insurance. You can either waste hours contacting agents trying to get quotes or leverage the internet to make rate comparisons. There are both good and bad ways to shop for car insurance and we’ll show you the quickest way to get price quotes for a new or used Chevy and get the cheapest rates either online or from local insurance agents.
It’s important to check car insurance prices on a regular basis since rates are rarely the same from one policy term to another. Just because you found the best price for Captiva Sport coverage on your last policy you can probably find a lower rate today. Starting now, forget all the misinformation about car insurance because I’m going to teach you one of the best ways to lower your annual insurance bill.
How to Get Cheap Car Insurance
All major car insurance companies quote prices on the web. Getting online quotes is quite easy as you just enter as detailed in the form. When complete, their rating system collects your driving record and credit report and gives you a price quote based on many factors.
Online quotes makes comparing rates easy, but the time it takes to visit many different websites and complete many quote forms can be a bit repetitive. But it is imperative to do this in order to find lower prices.
An easier way to compare car insurance pricing makes use of a single form that obtains quotes from several different companies. This type of form saves time, helps eliminate reptitive entry, and makes quoting online much more efficient. After sending the form, it gets priced and you can choose your choice of the quotes that you receive. If you find a better price you can simply submit the application and buy the policy. It only takes a few minutes and could lower your rates considerably.
In order to compare pricing, simply click here to open in new window and complete the simple form. To compare your current rates, we recommend you replicate the coverage information exactly as shown on your declarations page. Doing this guarantees you will have a fair comparison for similar coverage.
Don’t miss these discounts
Auto insurance companies don’t always publicize all available discounts in a way that’s easy to find, so we break down some of the more common and the more hidden savings tricks you should be using. If you aren’t receiving every discount you deserve, you are throwing money away.
- No Accidents – Claim-free drivers pay less when compared with frequent claim filers.
- Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts can save 10% or more off your PIP or medical payments premium.
- Anti-lock Brake System – Vehicles equipped with ABS or steering control are safer to drive and therefore earn up to a 10% discount.
- Theft Prevention Discount – Anti-theft and alarm systems help deter theft and therefore earn up to a 10% discount.
- Drivers Ed for Students – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if it’s offered in school.
- Early Switch Discount – Some insurance companies reward drivers for signing up prior to your current policy expiration. It’s a savings of about 10%.
- Discount for Good Grades – A discount for being a good student can save 20 to 25%. Earning this discount can benefit you up to age 25.
- Government Employees – Employees or retirees of the government can earn a discount up to 10% for Captiva Sport coverage with a few car insurance companies.
- Homeowners Pay Less – Owning a house can save you money due to the fact that maintaining a home is proof that your finances are in order.
A little note about advertised discounts, most discounts do not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way.
To see a list of providers who offer car insurance discounts, click here.
Your insurance agent down the street
Certain consumers just want to visit with an insurance agent and that is a personal choice. Agents can answer important questions and give you peace of mind. The best thing about comparing rates online is you can get better rates but still work with a licensed agent.
By using this simple form, the quote information is sent to local insurance agents who will compete to get your business. You won’t need to even leave your home because quoted prices will be sent directly to your email. It doesn’t get any easier!
Picking an insurer should depend on more than just the price. Any agent should be forthright in answering these questions:
- Can glass repairs be made at your home?
- How much will you save each year by using a higher deductible?
- Do they regularly work with personal auto policies?
- How often do they review policy coverages?
- Is their price quote a firm figure or are their hidden costs?
- Can they provide you with a list of referrals?
- Does the agency provide any after hours assistance?
- Are they able to influence company decisions when a claim is filed?
Two types of car insurance agents
When searching for a good insurance agent, there are a couple of different types of agents that differ in how they can insure your vehicles. Agents are categorized either independent (non-captive) or captive. Both properly insure your vehicles, but it’s important to know how they are different since it can impact your agent selection.
Agency Captives
This type of agents can only write with one company such as AAA, State Farm, Farmers Insurance and Allstate. Captives cannot shop your coverage around so they are skilled at selling on more than just price. Captives are trained well in insurance sales which can be an advantage. Some people will only buy from captive agents mainly due to high brand loyalty and the convenience of having all coverages with one company.
Independent Agencies or Brokers
Independent insurance agents are not required to write business for one company so they can insure your vehicles with many different companies enabling the ability to shop coverage around. If your agent finds better pricing, an independent agent can move your coverage and that require little work on your part. When comparing rates, it’s a good idea to contact at least one independent agent for the best price selection. They also have the ability to place coverage with different regional companies which can save you money.
For a complete listing of agencies, click here.
Upon getting answers to your satisfaction to these questions and a low price estimate, you’ve probably found an auto insurance agent that can adequately provide car insurance.
Insurance agents can help
When it comes to buying the best car insurance coverage, there really is not a single plan that fits everyone. Everyone’s needs are different.
For instance, these questions might help in determining if your situation could use an agent’s help.
- Does my insurance cover damage caused when ticketed for reckless driving?
- How high should my uninsured/underinsured coverage be in my state?
- Should I rate my Chevy Captiva Sport as pleasure use or commute?
- Are split liability limits better than a combined single limit?
- Does my medical payments coverage pay my health insurance deductible?
- Does my policy pay for OEM or aftermarket parts?
- How do I file an SR-22 for a DUI in my state?
- Do I need higher deductibles?
If you don’t know the answers to these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It only takes a few minutes and can help protect your family.
Chevy Captiva Sport insurance rates have many determining factors
Smart consumers have a good feel for the rating factors that go into determining the rates you pay for car insurance. When you know what positively or negatively determines base rates empowers consumers to make smart changes that can help you get lower car insurance prices.
Listed below are some of the factors used by your company to calculate your rates.
- Extra coverages can waste money – There are a ton of add-on coverages that you can get tricked into buying on your Captiva Sport policy. Coverages like vanishing deductibles, accidental death and motor club memberships may be costing you every month. These coverages may sound good when talking to your agent, but if you don’t need them get rid of them and save.
- With age comes lower rates – More mature drivers are more responsible, tend to cause fewer accidents and receive fewer citations. Teenage drivers are statistically proven to get distracted easily when driving therefore car insurance rates are much higher.
- Multi-policy discounts can save money – Some insurance companies give discounts to policyholders who consolidate policies with them. It’s known as a multi-policy discount. This can amount to 10 percent or more. If you currently are using one company, you still need to compare rates to make sure you are getting the best deal. Drivers may still find a better deal by buying car insurance from a different company.
- Do you have a high stress job? – Did you know your car insurance rates can be affected by your occupation? Occupations like lawyers, social workers and financial analysts are shown to have higher average rates in part from high stress levels and lengthy work days. Conversely, jobs such as actors, engineers and performers pay the least for Captiva Sport coverage.
- High credit ratings translate to low rates – Your credit score is a large factor in calculating your car insurance rates. If your credit score is lower than you’d like, you could potentially save money when insuring your Chevrolet Captiva Sport by improving your rating. Consumers who have excellent credit tend to be less risk to insure than those with poor credit.
Do you really save 40% when you switch?
Consumers get pounded daily by advertisements for cheaper car insurance from the likes of State Farm, Allstate and GEICO. They all seem to have a common claim that you can save if you switch your coverage to them.
How do they all claim to save you money?
Insurance companies have a certain “appetite” for the type of driver that is profitable for them. For instance, a preferred risk could be between 30 and 50, is a homeowner, and has a short commute. A customer who matches those parameters is entitled to the best price and is almost guaranteed to pay quite a bit less when switching companies.
Drivers who do not match this ideal profile will be charged higher prices which leads to the customer not buying. The ads say “people who switch” not “everybody who quotes” save that much money. That’s the way insurance companies can confidently advertise the way they do. That is why you absolutely need to get quotes from several different companies. It’s impossible to know which car insurance company will fit your personal profile best.
A tidy conclusion
People change insurance companies for a number of reasons such as policy cancellation, poor customer service, questionable increases in premium or even denial of a claim. Whatever your reason, finding a great new company is pretty easy and you might even save some money in the process.
We just presented a lot of information how to get a better price on Chevy Captiva Sport insurance. The most important thing to understand is the more quotes you get, the better your chances of lowering your rates. You may even find the most savings is with the least-expected company.
As you prepare to switch companies, never reduce needed coverages to save money. There have been many cases where an insured cut liability coverage limits only to regret that the small savings ended up costing them much more. Your goal should be to get the best coverage possible for the lowest price while still protecting your assets.
