8 Shopping Tips Shown to Save on Chevy Cruze Car Insurance Premiums in Nevada
Locating better insurance prices for a Chevy Cruze in Nevada can turn out to be difficult, but you can follow the following methods to make it easier.
There is a right way and a wrong way to compare car insurance rates so you’re going to learn the proper way to get price quotes on a Chevy and obtain the cheapest rates.
Cut your premium with these eight discounts
Insurance can cost an arm and a leg, but companies offer discounts that can drop the cost substantially. Most are applied when you quote, but lesser-known reductions have to be manually applied prior to getting the savings. If you aren’t receiving every discount you deserve, you are throwing money away.
- Life Insurance Discount – Select insurance companies reward you with a discount if you purchase life insurance from them.
- Good Student – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
- Save over 55 – Mature drivers can possibly qualify for a discount up to 10% for Cruze coverage.
- Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less for Cruze coverage than less cautious drivers.
- College Student – Youth drivers living away from home attending college without a vehicle on campus can be insured at a reduced rate.
- Homeowners Discount – Owning a house may earn you a small savings because of the fact that having a home demonstrates responsibility.
- Accident Free – Drivers who don’t have accidents pay less when compared with drivers who are more careless.
- Seat Belts Save more than Lives – Buckling up and requiring all passengers to use a seat belt can save 10% or more on the medical payments or PIP coverage costs.
As a disclaimer on discounts, most discount credits are not given the the whole policy. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think all the discounts add up to a free policy, you won’t be that lucky. Any amount of discount will bring down your overall premium however.
To see a list of insurance companies offering car insurance discounts in Nevada, click here to view.
Car Insurance Comparison Rates in Nevada
Cutting your car insurance rates is surprisingly easy. The only thing you need to do is take the time comparing rates online from several insurance companies. This can be done in a couple of different ways.
- The fastest way to get quotes is a comparison rater form like this one (opens in new window). This method keeps you from doing separate quotation requests for each company. A single, simple form will return price quotes from multiple low-cost companies. This is by far the quickest method.
- A more difficult way to obtain and compare quotes online consists of going to the website for every company you want to comare to request a price quote. For example, we’ll assume you want to compare rates from Auto-Owners, Allstate and State Farm. To find out each rate you need to take the time to go to each site and enter your information, which is why the first method is quicker. To view a list of companies in your area, click here.
Whichever method you choose, be sure to compare apples-to-apples coverage limits and deductibles on every quote you get. If your comparisons have unequal deductibles or liability limits it’s not possible to determine the best price for your Chevy Cruze.
Auto insurance coverage information
Having a good grasp of a car insurance policy aids in choosing the right coverages and proper limits and deductibles. Policy terminology can be impossible to understand and nobody wants to actually read their policy.
Collision coverages – This coverage pays for damage to your Cruze from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage protects against things such as sustaining damage from a pot hole, crashing into a ditch, rolling your car, colliding with another moving vehicle and driving through your garage door. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to choose a higher deductible to save money on collision insurance.
Comprehensive coverage – This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for things such as damage from getting keyed, damage from a tornado or hurricane and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
Medical payments coverage and PIP – Med pay and PIP coverage kick in for short-term medical expenses like EMT expenses, ambulance fees and dental work. They can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states and may carry a deductible
Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy Cruze.
Since many Nevada drivers only purchase the least amount of liability that is required (which is 15/30/10), it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Usually these coverages are similar to your liability insurance amounts.
Coverage for liability – This can cover damage that occurs to people or other property. Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have a combined limit which provides one coverage limit with no separate limits for injury or property damage.
Liability coverage protects against things like legal defense fees, medical expenses and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible. Nevada state minimum liability requirements are 15,000/30,000/10,000 but drivers should carry more coverage.
A tidy conclusion
When you buy insurance online, never buy lower coverage limits just to save a few bucks. In many cases, someone dropped full coverage to discover at claim time that it was a big error on their part. Your goal should be to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.
In this article, we presented a lot of ways to shop for Chevy Cruze insurance online. The key thing to remember is the more price quotes you have, the better chance you’ll have of finding lower rates. You may be surprised to find that the best price on car insurance is with an unexpected company.
Lower-priced Chevy Cruze insurance can be found on the web and also from your neighborhood Nevada agents, so you should compare both to have the best rate selection. There are still a few companies who may not provide you the ability to get quotes online and these small, regional companies work with independent agents.
Additional information can be read on the Nevada Division of Insurance website found here. Visitors are able to read state legal mandates and laws, read industry bulletins, and discover disciplinary actions.
The articles below may also help you learn more about car insurance in Nevada