Cheaper 2005 Chevrolet SSR Insurance Rates

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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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Trying to find better insurance rates for your Chevrolet SSR? Shopping for cheap insurance on the internet can seem to be challenging for consumers not familiar with comparing rates online. With so many choices of companies competing online, how can you even start to compare the different rates to find the best available price?

Consumers need to check insurance prices every six months because prices go up and down regularly. Just because you had the lowest price for SSR insurance two years ago there is a good chance you can find better rates now. Starting now, ignore everything you know about insurance because I’m going to teach you one of the easiest ways to reduce your cost while increasing coverage.

If you have car insurance now, you stand a good chance to be able to save some money using these tips. This information will tell you the most effective way to quote insurance and some tips to save money. Nevertheless, drivers benefit from understanding how companies sell insurance online and use this information to your advantage.

How to Compare Insurance Coverage Rates

To find the best insurance coverage prices, there are several ways of comparing rate quotes from insurance coverage companies in your area. The best method to find competitive 2005 Chevy SSR insurance rates is to use the internet to compare rates. This can be done in several different ways.

  1. The easiest and least time consuming way to find low rates would be an industry-wide quote request form like this one (opens in new window). This form saves time by eliminating repetitive form submissions for each company. One form gets rate comparisons from insurance coverage companies with the best prices. Just one form and you’re done.
  2. A slightly less efficient method to obtain and compare quotes online requires visiting the website of each company and fill out their own quote form. For sake of this example, we’ll assume you want rates from Allstate, Safeco and Travelers. You would have to take the time to go to each site and enter your information, and that’s why the first method is more popular. For a handy list of car insurance company links in your area, click here.
  3. The least recommended method to get comparison rates is to waste gas driving to insurance agents’ offices. Shopping for insurance coverage online has reduced the need for local agents unless you require the professional advice only provided by licensed agents. Drivers can get the lowest quotes online but still have the advice of a local agent.

However you get your quotes, make sure you use exactly the same information with each company. If you compare differing limits it’s not possible to decipher which rate is best. Just a small difference in coverages may cause a big price difference. Keep in mind that having more price comparisons will increase your chances of finding lower pricing.

Take discounts and save

Properly insuring your vehicles can get expensive, buy you may qualify for discounts that you may not even be aware of. A few discounts will automatically apply at the time you complete a quote, but a few need to be specifically requested in order for you to get them.

  • Sign Online – Certain companies may give you up to $50 for buying your policy online.
  • Discount for Good Grades – A discount for being a good student can save 20 to 25%. The good student discount can last until age 25.
  • Life Insurance – Select insurance companies reward you with better rates if you take out auto and life insurance together.
  • Military Rewards – Having a deployed family member can result in better rates.
  • Early Signing – Some insurance companies reward drivers for signing up before your current expiration date. This can save 10% or more.
  • Club Memberships – Participating in a professional or civic organization is a good way to get lower rates on your policy for SSR insurance.
  • Anti-theft System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.

A little note about advertised discounts, some credits don’t apply the whole policy. The majority will only reduce individual premiums such as liability and collision coverage. So when the math indicates you could get a free insurance policy, companies don’t profit that way. Any amount of discount will help reduce your overall premium however.

Insurance companies that possibly offer these benefits include:

Before buying, ask every prospective company how you can save money. Discounts might not apply everywhere.

Chevy SSR rate determination is complex

It’s important that you understand some of the elements that help determine the price you pay for auto insurance. Having a good understanding of what impacts premium levels enables informed choices that may reward you with much lower annual insurance costs.

The following are some of the items auto insurance companies consider when setting rates.

  • Do you work long hours in a high stress job? – Occupations like lawyers, architects and financial analysts tend to have higher average rates in part from job stress and lengthy work days. Conversely, occupations like pilots, engineers and retirees receive lower rates for SSR insurance.
  • Drive a safer car and pay less – Vehicles with good safety scores tend to have better insurance rates. The safest vehicles have better occupant injury protection and lower injury rates means lower claim amounts and thus lower rates. If your Chevy SSR scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • A clean driving record saves money – Your driving record impacts your car insurance rates tremendously. Drivers with clean records get better rates than their less careful counterparts. Even one ticket may increase your cost forty percent or more. Drivers who get dangerous violations like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with their state motor vehicle department in order to prevent a license revocation.
  • Liability coverage is cheap – The liability section of your policy provides coverage if you are found liable for damages from an accident. Liability insurance provides legal defense coverage up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so do not cut corners here.
  • Being married can save on auto insurance – Having a wife or husband can actually save you money on your policy. Marriage is viewed as being more mature and responsible and statistics show married drivers get in fewer accidents.
  • Credit scores impact auto insurance rates – Your credit score is a important factor in your rate calculation. Consumers who have high credit scores tend to be less risk to insure than those with lower ratings. Therefore, if your credit rating is low, you could save money insuring your 2005 Chevrolet SSR by spending a little time repairing your credit.
  • Bump up deductibles to save – The deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your car. Some instances where coverage would apply would be running into the backend of another car, vandalism, or theft. The more you are required to pay out-of-pocket, the bigger discount you will receive for SSR insurance.

Which policy gives me the best coverage?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Everyone’s needs are different.

For example, these questions can aid in determining whether or not you would benefit from professional advice.

  • What is PIP insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • When should I buy a commercial auto policy?
  • Are rental cars covered under my policy?
  • How much liability insurance is required?
  • Should I bundle my homeowners policy with my auto?
  • Does my 2005 Chevy SSR qualify for pleasure use?
  • How can I get high-risk coverage after a DUI?
  • Can I rate high risk drivers on liability-only vehicles?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form.

Detailed coverages of your insurance policy

Having a good grasp of your policy aids in choosing which coverages you need and proper limits and deductibles. Insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Auto liability insurance

Liability coverage will cover damage or injury you incur to other people or property that is your fault. It protects you against claims from other people. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like structural damage, medical services and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as much as you can afford.

Collision coverage

Collision insurance covers damage to your SSR from colliding with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a mailbox, scraping a guard rail, driving through your garage door, crashing into a building and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. Another option is to raise the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims such as damage from getting keyed, vandalism and rock chips in glass. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses like nursing services, ambulance fees, prosthetic devices and dental work. They can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured and underinsured coverage

This coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your Chevy SSR.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Normally the UM/UIM limits are set the same as your liablity limits.

Final considerations

We just covered a lot of tips how to shop for 2005 Chevy SSR insurance online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding lower rates. You may even discover the lowest rates come from a small mutual company.

When you buy insurance online, make sure you don’t buy poor coverage just to save money. In many cases, an insured cut full coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at an affordable rate.

Cheaper insurance is available both online in addition to many insurance agents, and you should be comparing both to get a complete price analysis. Some companies do not provide online quoting and most of the time these regional insurance providers sell through independent agents.

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