Cheaper 2003 Chevrolet SSR Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Tired of scraping the payment together to insure your Chevy every month? You are in the same boat as millions of other consumers. Many auto insurance companies compete for your hard-earned dollar, so it can be very hard to choose a insurer to find the absolute lowest rate

You should make it a habit to do rate comparisons occasionally because rates fluctuate regularly. Just because you had the best deal on SSR coverage six months ago you may be paying too much now. Forget all the misinformation about insurance coverage because we’re going to demonstrate how to use online quotes to save money, get proper deductibles and limits, all at the lowest rate.

How much can you save with discounts?

Insurance can cost an arm and a leg, but you can get discounts that many people don’t even know exist. Some trigger automatically at the time of purchase, but some must be requested specifically prior to receiving the credit. If you don’t get every credit available, you are throwing money away.

  • Auto/Home Discount – When you combine your home and auto insurance with the same company you could get a discount of at least 10% off all policies.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount on SSR coverage with a few auto insurance companies.
  • Use Seat Belts – Drivers who require all occupants to use their safety belts can save 10% or more off the personal injury premium cost.
  • Payment Method – By paying your policy upfront instead of paying each month you may reduce your total bill.
  • Organization Discounts – Affiliation with certain professional organizations is a good way to get lower rates when buying auto insurance on SSR coverage.
  • Auto/Life Discount – Some companies give lower rates if you buy a life insurance policy as well.
  • Low Mileage – Driving fewer miles can earn lower rates on the low mileage vehicles.
  • Resident Student – Youth drivers who live away from home and do not have a car can be insured at a reduced rate.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Most cut the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think you could get a free auto insurance policy, you won’t be that lucky. Any amount of discount will reduce the amount you have to pay.

To see a list of insurers offering auto insurance discounts, click this link.

How to Compare Insurance Coverage Rates

Getting better 2003 Chevy SSR insurance coverage pricing isn’t really that difficult. Consumers just need to spend a little time to compare quotes from different insurance companies. This can be accomplished in several different ways.

The best way consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This type of form prevents you from having to do separate quotation requests for each company you want a rate for. One quote request will get you price quotes from multiple low-cost companies.

A harder way to get quotes online is to manually visit the website of each company to request a price quote. For sake of this example, let’s say you want to compare State Farm, Safeco and Allstate. To get rate quotes you would need to go to every website and enter your policy data, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

The least recommended method to compare rates is driving around to local insurance agencies. The internet has reduced the need for local agents unless you prefer the professional guidance of a local agent. Drivers can comparison shop online but still have the advice of a local agent and we’ll touch on that later.

It’s up to you which method you use, but ensure you are comparing the exact same coverages for every company. If each company quotes different deductibles it’s impossible to truly determine the lowest rate.

Chevy SSR premiums are determined by many factors

An important part of buying insurance is that you know the different types of things that go into determining your insurance coverage rates. Understanding what influences your rates empowers consumers to make smart changes that may reward you with lower insurance coverage prices.

Listed below are some of the items used by your company to calculate rates.

  • Small claims can cost you – Auto insurance companies provide better rates to insureds who do not rely on their insurance for small claims. If you file claims often, you can expect either higher rates or even cancellation. Car insurance is designed for larger claims.
  • Your car’s features help determine rates – Owning a car with anti-theft technology or alarm system can help lower your rates. Theft prevention features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems can help prevent your car from being stolen.
  • Do you have enough liability coverage? – The liability section of your policy is the coverage that protects you in the event that you are found to be at fault for damages from an accident. It will provide legal defense up to the limits shown on your policy. Liability is cheap compared to insuring for physical damage coverage, so drivers should carry high limits.
  • Allowing your policy to lapse raises rates – Driving your car without having proper coverage is a misdemeanor and your next policy will cost more because you let your insurance lapse. Not only will you pay more, but being ticketed for driving with no insurance can result in a hefty fine and possibly a revoked license.
  • Marriage pays dividends – Getting married can get you a discount on your insurance coverage policy. Marriage means you’re more mature than a single person and statistics show married couples file fewer claims.
  • Careful drivers pay lower rates – Your driving record has a big impact on rates. Even a single ticket may increase your cost by twenty percent. Drivers with clean records get better rates compared to drivers with tickets. Drivers who get flagrant violations such as hit and run, DWI or reckless driving convictions may be required to file a SR-22 with their state DMV in order to keep their license.

How much car insurance do I need?

When choosing the right insurance coverage, there really is not a best way to insure your cars. Every insured’s situation is different and a cookie cutter policy won’t apply. For instance, these questions might help in determining if your situation will benefit from professional help.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Should I bundle my homeowners policy with my auto?
  • When should I drop full coverage on my 2003 Chevy SSR?
  • Does medical payments coverage apply to all occupants?
  • Will my insurance pay for OEM parts?
  • Am I missing any policy discounts?

If you’re not sure about those questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of insurance coverage companies in your area. It is quick, free and can help protect your family.

Insurance coverage considerations

Having a good grasp of your policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverage types found on most insurance policies.

Collision – Collision coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as driving through your garage door, backing into a parked car, colliding with a tree, sustaining damage from a pot hole and rolling your car. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to increase the deductible in order to get cheaper collision rates.

Comprehensive insurance – This pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like hitting a deer, vandalism, hail damage and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Auto liability – Liability coverage will cover damage that occurs to people or other property by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage pays for things like funeral expenses, court costs and legal defense fees. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection when other motorists either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy SSR.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Frequently these coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP) – Coverage for medical payments and/or PIP kick in for immediate expenses for EMT expenses, hospital visits and doctor visits. The coverages can be utilized in addition to your health insurance plan or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available but can be used in place of medical payments coverage

Best coverage at the best price

Cost effective 2003 Chevy SSR insurance is definitely available from both online companies as well as from independent agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance companies don’t offer online price quotes and most of the time these smaller companies sell through independent agents.

When trying to cut insurance costs, it’s very important that you do not reduce coverage to reduce premium. There are many occasions where drivers have reduced full coverage only to discover later that they should have had better coverage. The proper strategy is to get the best coverage possible at an affordable rate while still protecting your assets.

You just read many ways to save on insurance. The key thing to remember is the more companies you get rates for, the more likely it is that you will get a better rate. Consumers may even find the best prices are with a small local company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm, GEICO and Nationwide.

To read more, take a look at these articles:

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