2017 Chevrolet SS Car Insurance Quotes in 2024

Searching for cheaper car insurance rates for your Chevrolet SS? I can’t think of a single person who is fond of buying car insurance, especially knowing they are paying too much.

Due to the fact that there are so many options when it comes to car insurance, it is hard for the average consumer to find a more affordable car insurance provider.

Pay discount rates these premium-slashing discounts

The cost of insuring your cars can be expensive, but you may find discounts to reduce the price significantly. Certain discounts will be applied when you complete an application, but less common discounts must be asked about before you get the savings.

• Save with More Vehicles Insured – Drivers who insure multiple cars with the same company qualifies for this discount.
• Anti-theft System – Vehicles that have factory anti-theft systems are stolen less frequently and therefore earn up to a 10% discount.
• Lower Rates for Military – Being on active deployment in the military can result in better premium rates.
• Paperless Signup – A handful of insurance companies will give a small break get insurance on your computer.
• Life Insurance – Some companies give a discounted price on car insurance if you buy life insurance from them.
• Student Discounts – Getting good grades can get you a discount of up to 25%. Earning this discount can benefit you up until you turn 25.
• Anti-lock Brake System – Anti-lock brake equipped vehicles are much safer to drive and earn discounts up to 10%.

It’s important to note that most discounts do not apply to your bottom line cost. The majority will only reduce specific coverage prices like medical payments or collision. So despite the fact that it appears you could get a free insurance policy, it doesn’t quite work that way.

Some of the insurance companies that may include most of the discounts above include:

• GEICO
• Auto-Owners Insurance
• American Family
• Esurance
• Progressive
• State Farm
• AAA

If you need lower rates, check with each company to give you their best rates. Some of the discounts discussed earlier may not apply to policies in your state. To find providers with significant discounts, enter your zip code here.

Compare quotes for insurance coverage

There are a variety of methods to compare insurance coverage quotes, and some are easier and takes less work. You could spend your day discussing policy coverages with agents in your area, or you can utilize the web to quickly compare rates.

Most of the best insurance companies belong to an insurance system where insurance shoppers submit one quote, and every company can provide price quotes. This system prevents you from having to do quote forms to each individual insurance coverage company.

To use this form to compare rates enter your zip code here.

The only downside to doing it this way is that consumers can’t choose the companies to receive prices from. So if you prefer to pick specific insurance companies to compare, we have a page of companies who write insurance coverage in your area. Click to enter zip code.

The method you choose is up to you, but try to use the exact same coverage limits for each comparison quote. If you have mixed coverages it’s impossible to determine which rate is truly the best. Just a small difference in coverage limits could skew the results. It’s important to know that making a lot of price comparisons provides better odds of finding more affordable insurance. Some companies don’t provide price estimates online, so you should also compare prices from the smaller companies as well.

Insurance premium influencing factors

One of the most helpful ways to save on insurance coverage is to to have a grasp of a few of the rating criteria that help calculate your premiums. When consumers understand what determines base rates, this helps enable you to make changes that may result in much lower annual insurance costs. Lots of things are used in the calculation when you get your auto insurance bill. Most are fairly basic such as traffic violations, but others are more obscure like your vehicle usage or how financially stable you are.

• Rates impacted by vehicle usage – The more miles you rack up on your Chevy every year the more you will pay for insurance coverage. Most companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks that do not get driven very much receive better premium rates than cars that get driven a lot. An improperly rated SS is throwing money out the window. Double check that your insurance coverage policy is rated on annual mileage, because improper ratings can cost you money.
• Do you know your coverage deductibles? – Physical damage insurance, also known as collision and other-than-collision, covers damage that occurs to your Chevy. Examples of some claims that would be covered would be collision with another vehicle, damage caused by hail, and damage caused by flying debris. The deductibles define how much you are willing to pay in the event of a claim. The higher the amount you are required to pay out-of-pocket, the less your company will charge you for insurance for SS coverage.
• Discounts for alarm systems – Selecting a car model that has a built-in theft deterrent system can help lower your premiums. Systems that thwart theives like GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent car theft and help bring rates down.
• Cheaper rates by combining – The majority of insurance coverage companies provide better rates to clients that purchase more than one policy, otherwise known as a multi-policy discount. The discount can be five, ten or even twenty percent. Even if you already get this discount, you still need to compare other insurance prices to help guarantee you have the best rates.
• Women tend to be lower risk – Statistics show females are less aggressive when driving. However, this does not mean men are worse drivers. Women and men cause fender benders at about the same rate, but the men get into accidents with more damage. Men also statistically get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly. Youthful male drivers cause the most accidents and thus pay the highest rates.
• Your liability limits – Liability insurance provides coverage if you are determined to be liable for causing personal injury or damage in an accident. Liability provides you with a defense in court to attempt to prove you were not liable. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so do not cut corners here.
• Getting married can save you money – Having a spouse can get you a discount on your policy. Marriage demonstrates that you tend to be more mature and responsible it has been statistically shown that married drivers get in fewer accidents.

Do I need special coverages?

When it comes to buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. These are some specific questions can aid in determining whether your personal situation would benefit from an agent’s advice.

• Do I have any recourse if my insurance company denies a claim?
• Is borrowed equipment or tools covered if stolen or damaged?
• Am I covered if hit by an uninsured driver?
• How does medical payments coverage work?
• What is no-fault insurance?
• Why am I required to buy liability insurance?

If you don’t know the answers to these questions but a few of them apply, you may need to chat with an agent. If you want to speak to an agent in your area, fill out your zip code.

Insurance coverage breakdown

Understanding the coverages of a insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your 2017 Chevy SS.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liability limits.

Collision coverage protection

This coverage will pay to fix damage to your SS from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, crashing into a building, sustaining damage from a pot hole and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to bump up the deductible to save money on collision insurance.

Liability

Liability insurance can cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show values of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have 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 pays for claims such as medical expenses, structural damage and legal defense fees. How much coverage you buy is a decision to put some thought into, but you should buy as high a limit as you can afford.

Comprehensive coverage (or Other than Collision)

This coverage covers damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like theft, hail damage, falling objects, hitting a deer and damage from a tornado or hurricane. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Med pay and PIP coverage reimburse you for expenses for things like rehabilitation expenses, ambulance fees, nursing services and doctor visits. They can be used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Knowledge is power

Cheaper car insurance is attainable online as well as from independent agents, and you need to price shop both to have the best rate selection. Some insurance providers do not provide online price quotes and most of the time these regional insurance providers only sell through independent insurance agents.

When shopping online for car insurance, never skimp on coverage in order to save money. There are a lot of situations where someone sacrificed liability coverage limits and found out when filing a claim that the small savings ended up costing them much more. The aim is to find the BEST coverage for the lowest price while not skimping on critical coverages.

We covered some good ideas how to get a better price on 2017 Chevy SS insurance. The key concept to understand is the more providers you compare, the better chance you’ll have of finding cheaper insurance. You may even find the most savings is with the smaller companies. Regional companies can often provide lower prices in certain areas compared to the large companies like State Farm or Progressive.