Cheapest 2013 Chevrolet Captiva Sport Insurance Rates in 2023
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UPDATED: Mar 10, 2020
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Buyers have lots of choices when searching for low-cost Chevy Captiva Sport insurance. You can either waste hours driving around trying to get quotes or save time using the internet to make rate comparisons. There are more efficient ways to compare insurance rates so we’re going to tell you the absolute fastest way to price shop coverage for a new or used Chevy and locate the cheapest rates from both online companies and local agents.
It’s a good habit to check insurance prices once or twice a year because prices are variable and change quite frequently. Just because you found the best deal on Captiva Sport insurance a couple years back you may be paying too much now. You’ll find quite a bit of inaccurate information about insurance online, so we’re going to give you some tested techniques to buy insurance cheaper.
More discounts equal less premium
Companies offering auto insurance don’t always list every available discount very well, so we break down some of the more common and the harder-to-find ways to save on insurance coverage. If you don’t get every credit you deserve, you are paying more than you should be.
- Multiple Cars – Having all your vehicles with the same company can get a discount on all vehicles.
- Safety Course Discount – Taking a course in driver safety could cut 5% off your bill if your company offers it.
- Air Bag Discount – Factory air bags and/or automatic seat belt systems can receive discounts of 20% or more.
- Auto/Home Discount – If you insure your home and vehicles with one company you will save 10% to 20% off each policy.
- Service Members Pay Less – Having a deployed family member could mean lower rates.
- Senior Citizens – If you qualify as a senior citizen, you may receive reduced rates on Captiva Sport insurance.
- One Accident Forgiven – Certain companies permit an accident before raising your premiums as long as you don’t have any claims prior to the accident.
- Discounts for Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Captiva Sport insurance than drivers with accidents.
Keep in mind that most credits do not apply to your bottom line cost. Most only apply to specific coverage prices like collision or personal injury protection. Even though it may seem like it’s possible to get free car insurance, it doesn’t quite work that way.
Car insurance companies that possibly offer these discounts are:
It’s a good idea to ask all companies you are considering how you can save money. All car insurance discounts may not be available everywhere.
Your Chevy Captiva Sport insurance rate is a complex equation
Consumers need to have an understanding of some of the elements that play a part in calculating insurance rates. Understanding what controls the rates you pay helps enable you to make changes that can help you get big savings.
Shown below are a few of the “ingredients” that factor into your rates.
- Do you need those extra coverages? – There are a lot of extra coverages that can waste your money on your insurance policy. Things like personal injury protection, accident forgiveness and motor club memberships are some examples. They may seem like a good idea initially, but if you don’t need them remove them from your policy.
- Older drivers pay less – Mature drivers are viewed as being more responsible, tend to cause fewer accidents and are safer drivers. Teen drivers have a tendency to get distracted easily in a vehicle therefore insurance rates are much higher.
- Where do you drive? – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based on their usage. Cars not used for work or commuting can get a lower rate compared to those used for work or business. Ask your agent if your insurance declarations sheet is rated on the correct usage for each vehicle, because it can save money. Incorrect usage on your Captiva Sport can cost quite a bit.
- Do men or women drive better? – Statistics have proven women are more cautious behind the wheel. However, don’t assume that men are worse drivers. Men and women cause accidents in similar percentages, but the men cause more damage and cost insurance companies more money. Men also statistically get more serious tickets like DUI and reckless driving.
- Save money with special equipment – Choosing a vehicle with anti-theft technology or alarm system can get you a discount on your insurance. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
- Having a spouse can save you money – Being married can get you a discount when buying insurance. It translates into being more mature than a single person and it’s proven that drivers who are married are more cautious.
It’s not one size fits all
When choosing adequate coverage for your personal vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different.
For example, these questions might help in determining whether your personal situation may require specific advice.
- Is other people’s property covered if stolen from my vehicle?
- What can I do if my company won’t pay a claim?
- What is the difference between comprehensive and collision coverage?
- What are the best liability limits?
- Is my cargo covered for damage or theft?
- Do I need motorclub coverage?
If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.
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Insurance coverages 101
Having a good grasp of your insurance policy aids in choosing the best coverages and proper limits and deductibles. Insurance terms can be impossible to understand and coverage can change by endorsement.
Coverage for liability
This coverage provides protection from damage that occurs to other people or property in an accident. This insurance protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.
It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property.
Liability can pay for things like repair bills for other people’s vehicles, loss of income, court costs and pain and suffering. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.
Insurance for medical payments
Med pay and PIP coverage pay for bills for doctor visits, EMT expenses, X-ray expenses and hospital visits. They are utilized in addition to your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage
Comprehensive coverage (or Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage pays for things such as hitting a bird, hail damage, a broken windshield, rock chips in glass and fire damage. The most your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Uninsured Motorist or Underinsured Motorist insurance
Uninsured or Underinsured Motorist coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy Captiva Sport.
Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea.
Coverage for collisions
Collision insurance covers damage to your Captiva Sport from colliding with an object or car. A deductible applies then your collision coverage will kick in.
Collision insurance covers things such as rolling your car, scraping a guard rail, hitting a mailbox and backing into a parked car. This coverage can be expensive, so consider dropping it from older vehicles. You can also increase the deductible to bring the cost down.
Find Good Coverage for Less
As you prepare to switch companies, you should never buy lower coverage limits just to save a few bucks. There are too many instances where an accident victim reduced physical damage coverage and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase plenty of coverage at the best price.
The cheapest 2013 Chevy Captiva Sport insurance is definitely available online as well as from independent agents, and you should compare price quotes from both so you have a total pricing picture. Some companies don’t offer online quoting and these small, regional companies work with independent agents.
People change insurance companies for many reasons like extreme rates for teen drivers, not issuing a premium refund, high rates after DUI convictions and delays in responding to claim requests. It doesn’t matter why you want to switch finding a new company is pretty simple and you could end up saving a buck or two.
For more information, link through to the resources below:
- What are my Rights when Filing a Claim? (Insurance Information Insitute)
- Comprehensive Coverage (Liberty Mutual)
- Understanding your Policy (NAIC.org)
- Cellphones, Texting and Driving (iihs.org)
- Crash Avoidance Technologies FAQ (iihs.org)
- Top Signs Your Brakes are Giving Out (State Farm)
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