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Chevrolet Chevrolet Cruze 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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UPDATED: May 11, 2022

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Looking for cheaper rates on your 2011 Chevrolet Cruze car insurance? I can’t think of anyone who enjoys paying for insurance, particularly when the price is too high. Consumers have many insurance companies to buy insurance from, and although it’s a good thing to have a choice, it makes it harder to locate the cheapest rates.

It is always a good idea to check insurance prices every six months because prices change quite often. Despite the fact that you may have had the lowest rates on Cruze insurance a year ago you may be paying too much now. Block out anything you think you know about insurance because I’m going to let you in on the secrets to the quickest way to save money, get proper deductibles and limits, all at the lowest rate.

The purpose of this article is to let you in on how to get online quotes and some tips on how to get the best value on 2011 Chevy Cruze insurance. If you have car insurance now, you will be able to lower your premiums substantially using this strategy. Consumers just need to understand how to shop on the web.

The Value of 2011 Chevy Cruze Insurance is Complex

It’s important that you understand some of the elements that come into play when calculating your insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that can help you get lower insurance prices.

The list below includes a few of the “ingredients” used by your company to calculate your rates.

  • Multi-policy discounts can save money – Most insurers will award you with lower prices to insureds who consolidate policies with them. It’s known as a multi-policy discount. Discounts can amount to five, ten or even twenty percent. Even though this discount sounds good, it’s still a good idea to compare rates to make sure you are getting the best deal. You may still be able to find better rates by buying insurance from more than one company.
  • Little extras can really add up – There are a ton of add-on coverages you can purchase if you aren’t careful. Things like rental car reimbursement, better glass coverage and motor club memberships are some examples. They may seem good when you first buy your policy, but if you don’t need them remove them from your policy.
  • Don’t skimp on liability – Liability insurance is the coverage that protects you if ever a court rules you are at fault for damages from an accident. Liability insurance provides for a legal defense up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so drivers should carry high limits.
  • Traffic violations increase rates – Your driving record has a huge affect on how much you pay. Even a single ticket can bump up the cost by twenty percent. Drivers who don’t get tickets get better rates than their less careful counterparts. Drivers who get dangerous violations such as DUI or reckless driving may be required to file a proof of financial responsibility form (SR-22) with their state DMV in order to prevent a license revocation.
  • Safer occupants lowers premiums – Vehicles with high crash test scores are cheaper to insure. The safest vehicles result in less severe injuries and fewer injuries translates into fewer and smaller insurance claims passed on to you as lower rates. If your Chevy earned at least four stars on Safercar.gov or an “acceptable” rating on iihs.org it is probably cheaper to insure.
  • Theft deterrents lower rates – Purchasing a vehicle that has an advanced theft prevention system can save you a little every year. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.

Auto Insurance Discounts Can Save BIG

Car insurance can cost a lot, but companies offer discounts to reduce the price significantly. Certain discounts will be applied at the time you complete a quote, but some may not be applied and must be requested specifically prior to getting the savings. If you don’t get every credit possible, you are paying more than you should be.

  • New Car Discount – Putting insurance coverage on a new car is cheaper since new cars are generally safer.
  • Clubs and Organizations – Affiliation with a civic or occupational organization is a good way to get lower rates when shopping for insurance coverage on Cruze insurance.
  • E-sign – Certain companies give back up to $50 just for signing your application on their website.
  • Safety Course Discount – Taking a course teaching defensive driving skills could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Homeowners Pay Less – Owning a home may trigger a insurance coverage policy discount because of the fact that having a home demonstrates responsibility.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can reduce accidents and earn discounts up to 10%.
  • Use Seat Belts – Requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Drive Less and Save – Low mileage vehicles could qualify for lower rates on the low mileage vehicles.
  • Life Insurance Discount – Some companies give a break if you buy auto and life insurance together.
  • Service Members Pay Less – Having a family member in the military could mean lower rates.

Consumers should know that some of the credits will not apply to your bottom line cost. A few only apply to individual premiums such as comprehensive or collision. So when the math indicates all the discounts add up to a free policy, companies wouldn’t make money that way. Any amount of discount will bring down the cost of car insurance.

Car Insurance Ads Bend the Truth

Consumers get pounded daily by advertisements for the lowest price auto insurance from companies such as Progressive, Allstate and GEICO. They all seem to make the same claim of big savings if you move your policy.

How do they all make the same claim? This is how they do it.

All companies are able to cherry pick for the driver they prefer to insure. An example of a preferred risk could be between 25 and 40, has no driving citations, and has a short commute. A customer getting a price quote who meets those qualifications is entitled to the best price and as a result will probably cut their rates substantially.

Potential customers who fall outside the “perfect” profile will be charged higher premiums which usually ends up with business going elsewhere. The ad wording is “people who switch” not “everyone that quotes” save that much money. This is how companies can truthfully make those claims.

That is why you should get as many quotes as possible. Because you never know which car insurance company will fit your personal profile best.

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Will just any policy work for 2011 Chevrolet Cruze car insurance?

When it comes to buying adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Everyone’s needs are different and your policy should reflect that. For example, these questions may help you determine if your insurance needs may require specific advice.

  • Which companies will insure high-risk drivers?
  • Am I covered if hit by an uninsured driver?
  • When should I remove comp and collision on my 2011 Chevy Cruze?
  • Am I covered if I hit my neighbor’s mailbox?
  • Should I have a commercial auto policy?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Do I need replacement cost coverage on my 2011 Chevy Cruze?
  • Am I covered by my spouse’s policy after a separation?

If you don’t know the answers to these questions but you know they apply to you, you might consider talking to a licensed insurance agent.

Parts of your 2011 Chevy Cruze Auto Insurance Policy

Understanding the coverages of your auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and reading a policy is terribly boring. Listed below are the normal coverages offered by auto insurance companies.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your 2011 Chevy Cruze.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time these coverages are set the same as your liability limits.

Collision – Collision coverage will pay to fix damage to your Cruze caused by collision with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like sustaining damage from a pot hole, hitting a parking meter, sideswiping another vehicle and driving through your garage door. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to get cheaper collision coverage.

Comprehensive coverage – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like hitting a deer, damage from getting keyed, damage from a tornado or hurricane and a broken windshield. The maximum amount you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

LiabilityLiability can cover injuries or damage you cause to other people or property in an accident. This coverage protects you against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Occasionally you may see a combined limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as funeral expenses, medical services, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like EMT expenses, nursing services, hospital visits and doctor visits. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Smart Consumers Save More on Chevy Cruze Car Insurance

When shopping online for auto insurance, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where someone dropped physical damage coverage only to discover later that they should have had better coverage. Your focus should be to purchase a proper amount of coverage for the lowest price while still protecting your assets.

We just presented a lot of information how to shop for 2011 Chevy Cruze insurance online. The key thing to remember is the more rate quotes you have, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with a company that doesn’t do a lot of advertising. These smaller insurers may only write in your state and offer lower rates than their larger competitors like State Farm and Allstate.

References:

  1. https://www.iihs.org/ratings

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