2016 Chevrolet SS Car Insurance Quotes in 2024 – 8 Ideas for Cheapest Rates

Have you had enough of scraping nickels together to insure your Chevy every month? You are no different than millions of other vehicle owners. There is such a variety of car insurance companies to choose from, and though it is a good thing to be able to choose, so many choices can make it hard to find the lowest cost provider.

It’s a great practice to do rate comparisons before your policy renews because prices change frequently. If you had the best rates for SS insurance at your last renewal a different company probably has better premium rates today. Ignore everything you know about insurance because you’re going to learn the tricks you need to know to properly buy coverages and cut your premium.

Do you qualify for discount insurance?

Insurance is expensive, but you can get discounts that may help make it more affordable. A few discounts will be applied at the time of quoting, but some discounts are required to be specially asked for before you will receive the discount.

• Pay Now and Pay Less – If you pay your entire premium ahead of time rather than spreading payments over time you could save up to 5%.
• Professional Memberships – Belonging to specific professional or occupational memberships or organizations could trigger savings on your bill.
• Theft Deterrent System – Cars, trucks, and SUVs with anti-theft systems help deter theft and will qualify for a discount on a auto insurance quote.
• Low Mileage – Low annual miles could be rewarded with better premium rates on cars that stay parked.
• Sign Early and Save – Select companies give a discount for switching to them prior to your current policy expiring. You may see this discount when you get auto insurance quotes online.
• Accident Free – Insureds with no claims or accidents can save substantially when compared to accident-prone drivers.
• Multi-Vehicle Discounts – Insuring primary and secondary vehicles on a single policy can reduce rates for all insured vehicles.
• Telematics Discount – Drivers who elect to allow their insurance company to spy on their driving habits by using a telematic data system such as Progressive’s Snapshot could save a few bucks if they are good drivers.

We need to note that most discount credits are not given to all coverage premiums. The majority will only reduce the price of certain insurance coverages like medical payments or collision. Despite the appearance that you could get a free insurance policy, companies don’t profit that way.

For a list of insurers that offer multiple discounts, enter your zip code here.

What insurance coverages do I need?

When it comes to buying the best auto insurance coverage, there really is no perfect coverage plan. Every insured’s situation is different so your insurance needs to address that. Here are some questions about coverages that might point out if your insurance needs might need professional guidance.

• Can I make deliveries for my home business?
• Am I covered when driving on a suspended license?
• What is UM/UIM insurance?
• I have a DUI can I still get coverage?
• Can my teen driver be rated on a liability-only vehicle?
• Should I buy additional glass protection?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, fill out your zip code. It is quick, free and can help protect your family.

Car insurance coverages for a Chevy SS

Learning about specific coverages of a insurance policy can be of help when determining appropriate coverage for your vehicles. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are the normal coverages found on most insurance policies.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage is very important. Usually these coverages are identical to your policy’s liability coverage.

Liability

Liability coverage can cover damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged property. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage protects against claims like legal defense fees, repair costs for stationary objects, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is up to you, but buy as large an amount as possible.

Collision insurance

Collision coverage pays for damage to your SS resulting from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like scraping a guard rail, rolling your car, colliding with a tree, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like vandalism, fire damage and damage from getting keyed. The maximum amount your insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP reimburse you for expenses for doctor visits, EMT expenses and nursing services. They are often used in conjunction with a health insurance plan or if you do not have health coverage. It covers both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

In any little way, save everyday

We’ve covered a lot of techniques to reduce 2016 Chevy SS insurance auto insurance rates online. The key thing to remember is the more you quote auto insurance, the better your comparison will be. You may even find the lowest priced car insurance comes from some of the smallest insurance companies. These companies may often insure only within specific states and give getter rates compared to the large companies like GEICO and State Farm.

As you restructure your insurance plan, make sure you don’t skimp on coverage in order to save money. In many cases, drivers have reduced liability limits or collision coverage only to regret that saving that couple of dollars actually costed them tens of thousands. Your goal should be to purchase plenty of coverage at the best cost while still protecting your assets.