2012 Chevrolet Captiva Sport Insurance Rates in 2024 – 8 Policy Discounts

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 12, 2024

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Looking for better insurance rates for your Chevrolet Captiva Sport? Paying for pricey Chevrolet Captiva Sport insurance can bottom out your personal savings and make it tough to pay other bills. Performing a price comparison can be a smart way to ensure you are getting the best deal.

Online insurance companies like Allstate, Progressive and GEICO all claim big savings with advertising and it is difficult to see past the geckos and flying pigs and do the work needed to find the best deal.

Consumers should take time to get comparison quotes before your policy renews because prices change quite often. Despite the fact that you may have had the best price for Captiva Sport coverage last year you can probably find a better rate now. There is too much inaccurate information about insurance online, but we’re going to give you some tested techniques to reduce your insurance bill.

If you have insurance now or need new coverage, you will benefit by learning to shop for the lowest rates and possibly find even better coverage. Choosing the best insurance company for you is not rocket science. Vehicle owners only need to know the tricks to shop their coverage around online.

Lower rates by qualifying for these eight discounts

Some insurers do not advertise every policy discount very well, so the list below contains some of the best known in addition to some of the lesser obvious discounts that may be available.

  • Passive Restraints and Air Bags – Vehicles equipped with air bags or motorized seat belts may get savings of up to 25% or more.
  • Paperwork-free – Some larger companies may give you up to $50 get insurance online.
  • College Student Discount – College-age children who are attending college and do not have access to a covered vehicle can receive lower rates.
  • Switch and Save Discount – A few car insurance companies give discounts for buying a policy prior to your current policy expiring. It’s a savings of about 10%.
  • Auto/Home Discount – If you can bundle your auto and home insurance with the same insurance company you will save approximately 10% to 15%.
  • Claim Free – Insureds who avoid accidents and claims can save substantially as opposed to policyholders that have many claims.
  • ABS Braking Discount – Anti-lock brake equipped vehicles can stop better under adverse conditions and the ABS can save up to 10%.
  • Theft Prevention System – Vehicles that have factory alarm systems and tracking devices have a lower chance of being stolen and that can save you a little bit as well.

It’s important to note that some of the credits will not apply to the entire policy premium. Some only apply to the cost of specific coverages such as liability and collision coverage. So when the math indicates you would end up receiving a 100% discount, it doesn’t quite work that way.

A partial list of companies that may include some of the above discounts possibly include:

  • State Farm
  • Liberty Mutual
  • The Hartford
  • MetLife
  • Progressive

When getting a coverage quote, ask every company how many discounts you can get. A few discounts may not apply to policyholders in your area. To locate insurers that offer discounts, enter your zip code here.

Car insurance is unique, just like you

When buying coverage, there is no single plan that fits everyone. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out if your situation may require specific advice.

  • Am I covered when driving on a suspended license?
  • Do I have coverage for damage caused while driving under the influence?
  • Does insurance cover tools stolen from my truck?
  • What are the financial responsibility laws in my state?
  • Does my liability insurance cover pulling a trailer or camper?
  • Who is covered by my policy?
  • What are the best liability limits?
  • Do I need rental car coverage?
  • Does my personal policy cover me when driving out-of-state?
  • I don’t drive much so do I pay less?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. To find lower rates from a local agent, simply complete your zip code. It is quick, free and may give you better protection.

Car insurance 101

Having a good grasp of a auto insurance policy can help you determine appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types offered by auto insurance companies.

Coverage for liability – Liability insurance will cover damage or injury you incur to people or other property that is your fault. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged property.

Liability coverage protects against things like medical services, funeral expenses and bail bonds. The amount of liability coverage you purchase is up to you, but consider buying as high a limit as you can afford.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for immediate expenses like rehabilitation expenses, nursing services, X-ray expenses and prosthetic devices. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants in addition to getting struck while a pedestrian. PIP is not available in all states and may carry a deductible

Collision – Collision insurance covers damage to your Captiva Sport caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims like sideswiping another vehicle, rolling your car and colliding with a tree. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – This coverage provides protection when other motorists either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as damage to your 2012 Chevy Captiva Sport.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from getting keyed, hail damage and fire damage. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Don’t break the bank

You just read many ideas to save on 2012 Chevy Captiva Sport insurance. The key thing to remember is the more times you quote, the better chance you’ll have of finding cheap insurance. Consumers may even find the best premium rates are with a company that doesn’t do a lot of advertising. These smaller insurers can often provide lower prices in certain areas than their larger competitors like State Farm or Progressive.

There are still a few companies who do not offer internet price quotes smaller companies prefer to sell through independent insurance agencies. Cheaper auto insurance can be sourced from both online companies and from local agencies, so you should compare both to have the best rate selection.

As you restructure your insurance plan, it’s not a good idea to buy poor coverage just to save money. There are many occasions where someone sacrificed liability limits or collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. Your goal should be to purchase a proper amount of coverage at the best cost.

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