Save on 2014 Chevrolet SS Insurance Rates in 2024

Looking for better insurance coverage rates for your Chevrolet SS? Paying for overpriced Chevrolet SS insurance can diminish your funds and maybe even restrict other spending. Performing a rate comparison is a great way to lower your monthly bill.

Many insurers vie for your business, so it can be very hard to choose a company to find the lowest cost out there.

It’s a good habit to get comparison quotes periodically because insurance coverage rates are usually higher with each renewal. Despite the fact that you may have had the best rate on SS coverage last year you will most likely find a better price today. There is a lot of bad information regarding insurance coverage online but I’m going to show you some guaranteed methods to save money.

Verify you’re earning every discount

Companies that sell car insurance do not advertise all their discounts very well, so here is a list both well-publicized and the more hidden credits that you can use to lower your rates. If you don’t get every credit you deserve, you could be saving more on your car insurance.

• Savings for New Vehicles – Putting insurance on a new car is cheaper due to better safety requirements for newer vehicles.
• Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can get savings of 20 to 30 percent.
• Telematics Data Discounts – Drivers that enable driving data collection to analyze driving habits through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates if they show good driving skills.
• Theft Deterrent System – Vehicles optioned with advanced anti-theft systems can help prevent theft and therefore earn up to a 10% discount.
• Low Miles Discount – Low mileage vehicles could earn lower premium rates on the low mileage vehicles.
• Organization Discounts – Being a member of a professional or civic organization could trigger savings on your next renewal.
• Good Driver Discount – Insureds without accidents may receive a discount up to 45% on SS coverage compared to rates paid by drivers with frequent claims.
• Defensive Driver Discounts – Taking time to complete a defensive driving class is a good idea and can lower rates and easily recoup the cost of the course.
• Active Service Discounts – Being deployed in the military could qualify you for better rates.

It’s important to understand that some of the credits will not apply to the whole policy. The majority will only reduce specific coverage prices like collision or personal injury protection. Even though the math looks like it’s possible to get free car insurance, you won’t be that lucky. Any amount of discount should definitely cut the cost of your policy.

A few popular companies and their offered discounts are outlined below.

• Progressive offers discounts for multi-vehicle, continuous coverage, homeowner, good student, online signing, multi-policy, and online quote discount.
• GEICO has discounts for federal employee, good student, driver training, anti-lock brakes, and multi-vehicle.
• State Farm may include discounts for defensive driving training, student away at school, multiple autos, Drive Safe & Save, Steer Clear safe driver discount, good student, and safe vehicle.
• Esurance policyholders can earn discounts including defensive driver, online shopper, safety device, emergency road assistance, anti-lock brakes, and Switch & Save.
• The Hartford has savings for bundle, anti-theft, air bag, vehicle fuel type, and defensive driver.

When getting free auto insurance quotes, it’s a good idea to every prospective company the best way to save money. Some of the earlier mentioned discounts might not be available to policyholders in your area. If you would like to choose from a list of insurers that can offer you the previously mentioned discounts, enter your zip code here.

When should I discuss my situation with an agent?

When buying adequate coverage, there is no cookie cutter policy. Every situation is different and your policy should reflect that. Here are some questions about coverages that could help you determine whether your personal situation might need an agent’s assistance.

• Do I need roadside assistance coverage?
• Do I need PIP coverage since I have good health insurance?
• Should I waive the damage coverage when renting a car?
• Should I have a commercial auto policy?
• How much underlying liability do I need for an umbrella policy?
• Am I covered if I hit my neighbor’s mailbox?
• Can I afford to buy a different vehicle if my 2014 Chevy SS is totaled?
• Should I file a claim if it’s only slightly more than my deductible?
• Do I pay less if my vehicle is kept in my garage?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and enter your zip code.

Auto insurance coverages explained

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find the usual coverages found on the average auto insurance policy.

Coverage for collisions

Collision insurance pays for damage to your SS from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like driving through your garage door, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Liability insurance

Liability insurance will cover injuries or damage you cause to other’s property or people in an accident. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims such as emergency aid, medical expenses and medical services. How much liability should you purchase? That is a personal decision, but consider buying as large an amount as possible.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as theft, rock chips in glass, vandalism, hitting a deer and falling objects. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for things like surgery, hospital visits, funeral costs and pain medications. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

UM/UIM Coverage

This protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as damage to your Chevy SS.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Get your money’s worth

The cheapest 2014 Chevy SS insurance can be bought on the web and also from your neighborhood agents, so you need to quote auto insurance with both to get a complete price analysis. There are still a few companies who do not provide the ability to get a quote online and many times these small insurance companies only sell coverage through independent insurance agencies.

We’ve covered a lot of tips how to get a better price on 2014 Chevy SS insurance. The key concept to understand is the more companies you get premium rates for, the more likely it is that you will get a better rate. Consumers may even find the biggest savings come from a small mutual company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate and Progressive.