How Much Does 2018 Chevrolet Cruze Insurance Cost in 2024?

Car owners fed up with high insurance prices and are new to shopping for insurance coverage online will find buying low cost car insurance is tougher than they thought.

How to compare free insurance quotes

All the larger insurance companies like State Farm, GEICO and Progressive provide prices online. Getting online rates is fairly straightforward because you just enter the coverage amounts you desire into the quote form. When complete, their rating system gets information on your driving record and credit history and gives you a price quote based on the data you entered.

Online price estimates simplifies rate comparisons, but the time required to go to several different sites and type in the same information can get tiresome after awhile. But it’s necessary to perform this step if you want to find the lowest insurance rates.

Rate comparisons made easy

The preferred way to compare rates makes use of a single form that obtains quotes from multiple companies. This type of form saves time, helps eliminate repetitive entry, and makes online price comparison much easier. As soon as the form is sent, your coverage is rated with multiple companies and you can pick any or none of the resulting price quotes. If a lower price is quoted, you can simply submit the application and purchase coverage. The entire process takes less than 15 minutes and may result in a nice savings.

To save time and find out what other companies charge, simply enter your zip code here and enter your information. If you have a policy now, it’s recommended you duplicate deductibles and limits as close as possible to your current policy. Doing this assures you will have an apples-to-apples comparison for exact coverage.

Car insurance rates and discounts

Some insurers don’t always advertise their entire list of discounts in a way that’s easy to find, so we took the time to find a few of the more common as well as some of the hidden credits available to you.

• Seat Belt Discounts – Drivers who require all vehicle occupants to use a seat belt can save a little on medical payment and PIP coverage.
• Good Grades Discount – Getting good grades could provide a savings of up to 20% or more. The good student discount can last until age 25.
• Full Payment Discount – By paying your entire bill at once rather than paying monthly you may have a lower total premium amount.
• Cautious Driver Discount – Accident-free drivers can pay as much as 50% less on Cruze insurance than their less cautious counterparts.
• 55 and Retired – Drivers that qualify as senior citizens could receive a small discount on rates on Cruze insurance.
• Theft Prevention System – Vehicles with anti-theft systems prevent vehicle theft and will save you 10% or more.

Policy discounts save money, but most of the big mark downs will not be given to all coverage premiums. The majority will only reduce specific coverage prices like comp or med pay. So even though they make it sound like all the discounts add up to a free policy, company stockholders wouldn’t be very happy. But all discounts will help reduce your policy premium.

Large car insurance companies and the discounts they provide can be found below.

• Mercury Insurance discounts include annual mileage, ease of repair, anti-theft, low natural disaster claims, age of vehicle, and location of vehicle.
• Farmers Insurance has savings for business and professional, pay in full, good student, teen driver, and switch companies.
• Farm Bureau may offer discounts for youthful driver, driver training, 55 and retired, multi-vehicle, and safe driver.
• State Farm offers discounts for safe vehicle, good driver, driver’s education, student away at school, Steer Clear safe driver discount, and multiple autos.
• Allstate includes discounts for good student, anti-lock brakes, new car, auto/life discount, eSmart discount, multi-policy, and EZ pay plan discount.
• GEICO offers discounts including multi-policy, emergency military deployment, daytime running lights, multi-vehicle, and five-year accident-free.

Before purchasing a policy, check with every insurance company the best way to save money. Some discounts may not apply in every state. If you would like to choose from a list of companies who offer free car insurance quotes, enter your zip code here.

Situations that may require an agent’s advice

When it comes to buying adequate coverage for your vehicles, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.

These are some specific questions could help you determine if your insurance needs would benefit from an agent’s advice.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I have coverage if my license is suspended?
• How high should my medical payments coverage be?
• I have health insurance so do I need medical payments coverage?
• Are my tools covered if they get stolen from my vehicle?
• What is the minimum liability in my state?
• When should my teen driver be added to my policy?

If you’re not sure about those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, fill out your zip code.

Detailed coverages of your insurance policy

Having a good grasp of insurance can be of help when determining the best coverages for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive auto coverage – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as a broken windshield, vandalism, fire damage, hitting a bird and damage from getting keyed. The highest amount your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Collision – This coverage pays to fix your vehicle from damage from colliding with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for claims like rolling your car, sustaining damage from a pot hole, colliding with a tree, backing into a parked car and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills like EMT expenses, X-ray expenses and dental work. They can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is only offered in select states but it provides additional coverages not offered by medical payments coverage

Coverage for liability – This protects you from injuries or damage you cause to other people or property that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things like pain and suffering, medical services, court costs, medical expenses and attorney fees. The amount of liability coverage you purchase is your choice, but you should buy higher limits if possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries and also any damage incurred to your Chevy Cruze.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.