How Much Does 2020 Chevrolet Cruze Car Insurance Cost in 2024?

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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: Mar 29, 2024

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Looking for cheaper insurance rates for your Chevrolet Cruze? Finding cheaper insurance for a Chevy Cruze can normally be a painful process, but you can use a few tricks and make it easy. There is a better way to compare insurance rates and we’ll show you the best way to quote coverages for a new or used Chevy and obtain the best price possible from local insurance agents and online providers.

Smart consumers take time to price shop coverage once or twice a year due to the fact that insurance rates fluctuate regularly. Even if you think you had the best premium rates on Cruze coverage a few years ago you can probably find a better price now. You’ll find a ton of advice on insurance online but we’re going to give you a bunch of ideas how to lower your insurance rates.

Buying car insurance is not that difficult. If you have a policy now or are looking for a new policy, you can learn to find better prices while maintaining coverages. Drivers just need to learn the tricks to compare price quotes online.

How to get cheap insurance

Finding a better price on insurance is not rocket science. All that’s required is to take a couple of minutes comparing free auto insurance quotes from some recommended companies. Comparing prices online can be done using one of these methods.

  1. The single most time-saving way consumers can analyze rates would be an industry-wide quote request form. This easy form saves time by eliminating separate quote forms for each company you want a rate for. Taking the time to complete one form gets coverage cost estimates from all major companies. It’s the quickest way to get rates.
  2. A more difficult way to obtain and compare quotes online is going to each individual company website and get a separate price quote. For instance, let’s assume you are doing a rate comparison from Progressive, Esurance and Liberty Mutual. In order to compare rates, you need to visit each site and enter your information, which is why the first method is more popular.

Take whichever approach you prefer, but make sure you use exactly the same quote data on every price quote you get. If you have mixed coverages it’s not possible to determine which rate is truly the best.

How insurance providers determine Chevy Cruze insurance prices

An important part of buying insurance is that you know the different types of things that aid in calculating the rates you pay for insurance. When consumers understand what positively or negatively impacts your premiums, this allows you to make educated decisions that may result in lower premium levels. Lots of things are considered when quoting car insurance. Some are pretty understandable such as your driving record, but others are not quite as obvious like your continuous coverage or your vehicle rating.

  • Females tend to take less risk – Over time, data shows that females take fewer risks when driving. However, this does not mean women are better drivers. Both sexes get in at-fault accidents at about the same rate, but guys cause more damage. Men also statistically receive more major tickets such as driving while intoxicated (DWI) or driving recklessly.
  • Traffic violations drive up premiums – Your driving record has a huge affect on how much you pay. Having just one ticket can bump up the cost by as much as thirty percent. Drivers with clean records have lower premiums than their less careful counterparts. People who have flagrant citations such as reckless driving, hit and run or driving under the influence may be required to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Insurance rates can be impacted by your employer – Careers like fire fighters, architects and accountants are shown to have higher premiums than the average policyholder in part from intense work requirements and long work days. On the other hand, careers like actors, athletes and retirees receive lower rates on Cruze coverage.
  • Save money with higher comp and collision deductibles – Coverage for physical damage, also called ‘full coverage’, protects your Chevy from damage. A few examples of covered claims would be collision with another vehicle, damage from fire, and rolling your vehicle. Your deductibles are the amount of money you are willing to pay in the event of a claim. The more expense the insured is willing to pay, the lower your rates will be on Cruze coverage.

Get cheaper rates by receiving discounts

Car insurance is not inexpensive, but there could be available discounts that can drop the cost substantially. Certain credits will be shown when you get a quote, but a few must be asked for in order for you to get them.

  • Student in College – Children who live away from home at college and leave their car at home can be insured at a reduced rate.
  • Multi-Vehicle Discounts – Insuring all your vehicles on one policy can get a discount on all vehicles.
  • Cautious Driver Discounts – Insureds who avoid accidents may save up to 50% more on Cruze coverage than drivers with accident claims.
  • Senior Discount – Mature drivers can get a discount up to 10% on Cruze coverage.
  • ABS Brakes – Cars and trucks with anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.

Discounts save money, but please remember that some of the credits will not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like liability, collision or medical payments. If you do the math and it seems like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Companies and some of their more popular discounts can be read below.

  • State Farm may include discounts for Steer Clear safe driver discount, good student, accident-free, safe vehicle, and multiple autos.
  • Progressive may offer discounts for homeowner, good student, multi-policy, multi-vehicle, online signing, continuous coverage, and online quote discount.
  • Travelers policyholders can earn discounts including continuous insurance, save driver, good student, early quote, new car, and payment discounts.
  • American Family offers discounts for mySafetyValet, defensive driver, early bird, good student, and bundled insurance.
  • Liberty Mutual may have discounts that include exclusive group savings, hybrid vehicle, multi-car, safety features, good student, and new vehicle discount.

Double check with every insurance company which discounts can lower your rates. Savings may not apply to policies in your area. To view providers that offer multiple discounts, enter your zip code here.

Your insurance coverage should be tailored to you

When buying proper insurance coverage, there isn’t really a one size fits all plan. Every insured’s situation is different.

For instance, these questions may help you determine whether your personal situation might need professional guidance.

  • Is my ex-spouse still covered by my policy?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is extra glass coverage worth it?
  • Is a new car covered when I drive it off the dealer lot?
  • When does my teenage driver need to be added to my policy?
  • Do I need roadside assistance coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete your zip code. It is quick, free and can provide invaluable advice.

Car insurance policy specifics

Knowing the specifics of your policy aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.

Medical expense insurance

Coverage for medical payments and/or PIP provide coverage for immediate expenses such as ambulance fees, X-ray expenses, prosthetic devices, pain medications and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants and also covers if you are hit as a while walking down the street. PIP coverage is not universally available and may carry a deductible

Comprehensive (Other than Collision)

This coverage covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like fire damage, a tree branch falling on your vehicle, damage from getting keyed and rock chips in glass. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy Cruze.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family.

Liability coverages

Liability insurance provides protection from damage that occurs to other people or property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 that means you have $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as loss of income, bail bonds and legal defense fees. The amount of liability coverage you purchase is a decision to put some thought into, but buy higher limits if possible.

Collision protection

Collision insurance covers damage to your Cruze resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like scraping a guard rail, crashing into a ditch, driving through your garage door and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to raise the deductible in order to get cheaper collision rates.

Pennies from heaven

The cheapest 2020 Chevy Cruze insurance is possible from both online companies as well as from insurance agents, and you should be comparing both to have the best rate selection. Some insurance providers do not provide online price quotes and usually these regional carriers work with independent insurance agents.

You just read a lot of tips how to lower your 2020 Chevy Cruze insurance premium rates. The key concept to understand is the more rate quotes you have, the higher your chance of finding inexpensive auto insurance. Consumers could even find that the lowest premium rates come from a small local company.

When getting auto insurance quotes online, make sure you don’t reduce coverage to reduce premium. There have been many cases where an insured dropped liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. Your goal should be to buy enough coverage at the best cost while still protecting your assets.

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