How to Insure your Chevrolet Captiva Sport on a Budget
If searching for lower car insurance rates was a good time, we'd have no problem finding the best rate. But unfortunately, it's difficult for a lot of people and we always seem to pay more than we should. You might feel the same pain when having to pay the bill on your Chevrolet Captiva Sport.
Step One: Compare Rates from Multiple Companies
Years ago, your local insurance agent was the only way to quote a buy a car insurance policy. But now you can eliminate that hassle and buy online!
Getting online rate quotes for a Chevrolet Captiva Sport from all the major insurance companies is very easy and only requires you to enter your information once.
Take the first step by clicking the link below. By answering a few questions you'll be able to compare rates quickly and easily.
Read this (it's important)! When doing any car insurance quote to compare rates to either your existing policy or to other quotes, it's important to use identical coverages on all quotes. Otherwise you will not be able to accurately determine which company has the lowest rate for your Captiva Sport.
Step Two: How to Save on Captiva Sport Insurance
What you actually pay to insure your Chevrolet is determined by many factors, some of which you have no control over.
- Before a comprehensive or collision claim is paid by your company, you have to pay a deductible first. The more you're willing to pay, the lower your rates will be. Consider raising your deductibles to $500 or even $1,000.
- Check your credit rating each year and address any problem areas. Higher credit scores mean lower car insurance rates.
- The easiest way to INCREASE your car insurance rates is to add a teenage driver to your policy. There aren't many ways to prevent a rate increase, but if you can rate them on an older vehicle, it can help.
- Many insurance companies will give you a small discount if you've recently completed a driver's training course.
- Speeding not only costs you a fine, a single ticket will raise your car insurance rates for up to three years. Slow down and be a safe driver and you'll pay lower rates.
- If you have a period where you don't have any insurance coverage, that's called a lapse. The longer the lapse, the more you'll pay to reinstate coverage.
- Air bags, antilock brakes, traction control, and stability control all help lower the cost of insurance due to reducing the risk of injury in an accident.
- Owning a home takes financial responsibility, and car insurance companies will often give you a break just for being a homeowner.
- To keep your rates low, don't file excessive claims on your policy. Insurance is meant to cover large losses, not small damage that you can pay for out-of-pocket.
- If you belong to a professional organization for your employment, you may qualify for a discount rate. And if you're a senior citizen, you may get a discount for your age as well.
- For some reason, car theives target particular makes and models more than others. If your Captiva Sport is on the list of the top stolen cars, you might want to install an extra theft deterrent system just to be safe.
Step Three: Choose the Right Company for You
If you have found a good price by comparing quotes and also made informed decisions regarding policy limits, deductibles and other policy options that are available, you can now purchase the policy and bind coverage.
Car insurance policies don't have to be cancelled at the renewal date, but just be sure the new policy starts the same day you cancel your old policy. This avoids any gaps in coverage between policies.
Any time you buy a new vehicle, make sure you have car insurance in place, either from an existing policy or a new policy that you purchase from the dealership floor. Comprehensive (or Other than Collision) and collision coverage will extend to your new Captiva Sport if you current have a vehicle insured with those coverages. If you aren't insured or only carry basic liability coverage, then you will be inadequately insured until you add the vehicle to your policy with full coverage.
The proof-of-insurance card that is required by state law to be carried in your vehicle can be printed out upon completion of your car insurance policy. If you're considered a high-risk driver, having been convicted of a DUI, DWI, reckless driving or had your license suspended, you may need to file a SR-22. Be sure your new company files this form with your state DMV. Failure to do so can result in losing your right to drive.
Consumer Insurance Information
To read more about filing a claim, choosing replacement parts, rental car insurance and more, visit the Insurance Information Institute.
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