Chevrolet Cruze Limited Insurance Rates

Comparing auto insurance on the web can be fast and easy, in addition you might just save a little. The most important part is to take the time to get as many rate quotes as possible so you can get all possible prices.

If you've never shopped for auto insurance online, you may be confused by the hoards of auto insurance companies vying for your business. Finding cheaper coverage prices isn't really that difficult. All you need to do is take the time to get quotes provided by online insurance companies. This can be done by completing this short form.

Criteria which help determine Chevrolet Cruze Limited insurance quotes

Auto insurance rates for a Chevrolet Cruze Limited can vary widely depending on several factors. A few of these criteria are:

• A clean driving record keeps rates low
• Credit rating
• Men typically pay more than women
• Low deductibles cost more
• NTSB crash rating for your vehicle
• Claims drive up premiums
• Maintaining coverage lowers rates
• Owning a home can lower rates

A final factor that can impact Chevrolet Cruze Limited insurance cost is the model year. New vehicles have a higher value in comparison to later models so the cost to replace them can inflate annual premiums. But more recent Cruze Limited vehicles may have a trim level with safety features including adaptive cruise control, sideview assist mirrors, dual-stage airbags, and a telematics system which can give discounted rates.

Liability car insurance

This coverage will cover injuries or damage you cause to other people or property. Liability coverage pays for claims such as funeral expenses, loss of income, and emergency aid. Coverage is generally pretty cheap so consider buying higher limits if possible.

Collision protection

This coverage will pay to fix damage to your Cruze Limited caused by collision with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in. Chevrolet Cruze Limited collision insurance is rather expensive coverage, so you might think about dropping it from vehicles that are older. It's also possible to bump up the deductible to save money on collision insurance.

Comprehensive auto insurance

Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by your Chevrolet Cruze Limited comprehensive insurance. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle's value is low it's not worth carrying full coverage.

Uninsured or underinsured coverage

This coverage protects you and your vehicle when the "other guys" are uninsured or don't have enough coverage. Because many people have only the minimum liability required by law, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage pay for bills (i.e. ambulance fees, surgery, and doctor visits). They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage.