Shoppers have options when shopping for the best price on Chevy SSR insurance. They can either spend hours calling around to compare prices or leverage the internet to compare rates. There are both good and bad ways to find car insurance online and we’ll show you the proper way to compare rates on a Chevy and get the lowest price either online or from local insurance agents.
If you have a current car insurance policy or are looking for a new policy, you can use this information to get lower rates while maximizing coverage. This article will help educate you on how to effectively get price quotes. Consumers just need to understand the most efficient way to compare prices online.
Car Insurance Prices
Most companies such as State Farm, Allstate and GEICO quote coverage prices directly from their websites. Getting quotes is pretty easy as you simply enter your personal and coverage information into the quote form. Once entered, their rating system obtains information on your driving record and credit history and returns a price based on these and other factors.
Online price quotes streamlines rate comparisons, but having to visit multiple sites and type in the same information can be a bit tiresome and repetitive. But it is imperative to perform this step in order to get a better rate.
The smarter way to locate the lowest prices uses one simple form that obtains quotes from more than one company. It saves time, requires less work, and makes price shopping online a little more enjoyable. After sending your information, it is rated and you can select any or none of the resulting price quotes. If you find a better price you simply finish the application and purchase coverage. The entire process just takes a couple of minutes and you’ll know if lower rates are available.
To quickly find out how much you can save on car insurance, click here to open in new window and complete the simple form. If you have a policy now, it’s recommended you replicate the coverage information exactly as shown on your declarations page. This way, you will be getting comparison quotes based on identical coverages.
How can State Farm, Allstate and GEICO save drivers who switch?
Consumers can’t get away from ads for the lowest price auto insurance by companies like State Farm, Allstate and GEICO. They all make the same claim that you can save if you move to them.
But how can every company make the same claim?
All companies have a certain “appetite” for the right customer that makes them money. A good example of a driver they prefer could be between the ages of 40 and 55, has no tickets, and drives newer vehicles. Any driver who matches those parameters gets the lowest rates and most likely will save a lot of money.
Consumers who don’t qualify for the requirements must pay more money and this can result in business going elsewhere. The ad wording is “customers who switch” not “everyone that quotes” save that kind of money. That is how companies can make the claims of big savings. This illustrates why it is so important to compare as many rates as you can. It is impossible to predict the company that will have the lowest rates.
Complexity of Chevy SSR insurance rates
Smart consumers have a good feel for the factors that come into play when calculating your car insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that could result in lower car insurance prices.
The list below includes some of the factors that factor into premiums.
- Marriage brings a discount – Getting married actually saves money on car insurance. Marriage is viewed as being more mature and responsible and it’s proven that married couples file fewer claims.
- You might want pay the small claims yourself – If you are a frequent claim filer, you can definitely plan on either policy cancellation or increased premiums. Car insurance companies award lower rates to policyholders who are claim-free. Your insurance policy is intended for major claims that would cause financial hardship.
- Traffic citations inflate rates – Just one ticket can boost insurance rates by twenty percent. Careful drivers get better rates compared to drivers with tickets. Drivers who have flagrant citations such as reckless driving, hit and run or driving under the influence may need to file a proof of financial responsibility form (SR-22) with their state DMV in order to keep their license.
- Liability coverage protects you – Liability insurance provides coverage in the event that a court rules you are at fault for causing damage or personal injury in an accident. It provides for a legal defense up to the limits shown on your policy. Liability is cheap compared to physical damage coverage, so do not cut corners here.
- Don’t get talked into coverage you don’t need – There are a ton of additional coverages that can waste your money on your car insurance policy. Things like roadside assistance, accident forgiveness and membership fees may be costing you every month. They may seem like a good idea when talking to your agent, but your needs may have changed so remove them from your policy.
- Big city or small town – Living in a small town has it’s advantages when buying car insurance. Fewer drivers means fewer accidents. Urban drivers tend to have congested traffic and a longer drive to work. Longer commute distances translates into higher accident risk.
Do you qualify for discounts?
Companies offering auto insurance do not advertise every available discount very clearly, so here is a list both well-publicized as well as the least known ways to save on car insurance. If you’re not getting every credit possible, you’re just leaving money on the table.
- Air Bag Discount – Vehicles with factory air bags or motorized seat belts can get savings of 20% or more.
- More Vehicles More Savings – Insuring multiple cars or trucks with the same company can get a discount on all vehicles.
- Accident Forgiveness – Some insurance companies will allow you to have one accident before hitting you with a surcharge if you are claim-free for a particular time prior to the accident.
- Good Student – Getting good grades can save 20 to 25%. The discount lasts up to age 25.
- Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
- Early Switch Discount – Some companies give discounts for switching to them prior to your current policy expiring. It’s a savings of about 10%.
- Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less for SSR coverage than drivers with accident claims.
- 55 and Retired – Older drivers can possibly qualify for reduced rates for SSR coverage.
- Anti-lock Brake System – Vehicles equipped with ABS or steering control can reduce accidents and therefore earn up to a 10% discount.
It’s important to understand that some credits don’t apply to the overall cost of the policy. Most only cut specific coverage prices like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.
To choose insurers offering car insurance discounts, follow this link.
And the best car insurance company is…
Discount Chevy SSR insurance is definitely available both online as well as from independent agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies don’t offer the ability to get a quote online and these small, regional companies work with independent agents.
Consumers leave their current company for any number of reasons including policy cancellation, not issuing a premium refund, denial of a claim or high rates after DUI convictions. It doesn’t matter why you want to switch choosing a new company can be easier than you think.
You just learned a lot of ways to shop for Chevy SSR insurance online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your rates. Consumers may even find the lowest premiums are with an unexpected company.
