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2012 Chevrolet Captiva Sport 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: Mar 10, 2020

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Average insurance rates for a 2012 Chevrolet Captiva Sport are $1,116 a year for full coverage. Comprehensive insurance costs around $206, collision insurance costs $292, and liability costs $460. Buying a liability-only policy costs as little as $510 a year, and high-risk insurance costs $2,398 or more. Teen drivers receive the highest rates at up to $4,372 a year.

Annual premium for full coverage: $1,116

Rate estimates for 2012 Chevrolet Captiva Sport Insurance

Comprehensive $206
Collision $292
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2012 Chevrolet Captiva Sport models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range range from as low as $510 for just liability coverage to the much higher price of $2,398 for high-risk insurance.

Liability Only $510
Full Coverage $1,116
High Risk $2,398

View Chart as Image

2012 Chevrolet Captiva Sport insurance rates compared
Column chart showing 2012 Chevrolet Captiva Sport insurance prices range from $669 to $4,372 for full coverage

These differences show why everyone should compare rates for a specific zip code and risk profile, instead of using price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2012 Chevrolet Captiva Sport Insurance

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Want lower auto insurance rates for your Chevrolet Captiva Sport? Trying to find low-cost insurance for your Chevy Captiva Sport could be an all-consuming task, but you can learn our auto insurance buying tips to save time.

There are more efficient ways to buy auto insurance and you need to know the best way to compare rates for your Chevy and find the best price possible from both online companies and local agents.

You should make it a habit to take a look at other company’s rates before your policy renews because rates are adjusted regularly by insurance companies. Even if you got the best price for Captiva Sport coverage a couple years back you can probably find a better price now. Don’t believe everything you read about auto insurance on the web, but by reading this article, you’re going to learn some good information on how to quit paying high auto insurance rates.

Pay less for 2012 Chevy Captiva Sport insurance

The price of auto insurance can be rather high, but companies offer discounts to help offset the cost. Certain discounts will be triggered automatically when you complete an application, but some may not be applied and must be inquired about in order for you to get them. If you don’t get every credit possible, you are throwing money away.

  • Student in College – Children who live away from home without a vehicle on campus can be insured at a reduced rate.
  • Memberships – Participating in a civic or occupational organization could qualify you for a break on insurance coverage for Captiva Sport coverage.
  • Bundle and Save – When you combine your home and auto insurance with one insurance company you may earn at least 10% off all policies.
  • Federal Employees – Simply working for the federal government can save as much as 8% for Captiva Sport coverage with a few insurance coverage companies.
  • Own a Home – Owning a house may trigger a insurance coverage policy discount because of the fact that having a home is proof that your finances are in order.
  • Discount for Good Grades – This discount can earn a discount of 20% or more. The discount lasts up to age 25.
  • Paperless Signup – A few companies give back up to $50 simply for signing online.

Keep in mind that some credits don’t apply to the entire cost. The majority will only reduce individual premiums such as liability, collision or medical payments. Just because you may think you can get free auto insurance, it just doesn’t work that way. Any qualifying discounts will bring down your overall premium however.

Companies that may have these discounts are:

Check with every prospective company which discounts you may be entitled to. Some discounts might not be offered in your area.

Tailor your coverage to you

When it comes to choosing coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is unique.

These are some specific questions may help highlight whether you might need an agent’s assistance.

  • Is my cargo covered for damage or theft?
  • What is roadside assistance coverage?
  • Why am I required to get a high-risk car insurance policy?
  • Should I rate my 2012 Chevy Captiva Sport as pleasure use or commute?
  • Am I covered if I hit a deer?
  • What is covered by UM/UIM coverage?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form. It is quick, free and can provide invaluable advice.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Specific coverage details

Having a good grasp of a auto insurance policy aids in choosing which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance kick in for expenses such as X-ray expenses, surgery, dental work, ambulance fees and EMT expenses. They can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and may carry a deductible

Liability

This will cover damage or injury you incur to other people or property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability insurance covers claims like loss of income, pain and suffering and medical expenses. How much liability should you purchase? That is your choice, but consider buying as high a limit as you can afford.

Coverage for uninsured or underinsured drivers

This coverage provides protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy Captiva Sport.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are similar to your liability insurance amounts.

Collision insurance

Collision coverage will pay to fix damage to your Captiva Sport caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as sustaining damage from a pot hole, hitting a mailbox, sideswiping another vehicle, hitting a parking meter and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to get cheaper collision coverage.

Comprehensive auto insurance

Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like a broken windshield, damage from getting keyed, damage from a tornado or hurricane and theft. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

And the best car insurance company is…

As you go through the steps to switch your coverage, don’t be tempted to reduce coverage to reduce premium. There have been many situations where drivers have reduced liability coverage limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy enough coverage for the lowest price, not the least amount of coverage.

Drivers who switch companies do it for any number of reasons including policy cancellation, an unsatisfactory settlement offer, being labeled a high risk driver and policy non-renewal. No matter why you want to switch, finding a new company is not as difficult as it may seem.

Budget-conscious 2012 Chevy Captiva Sport insurance can be found both online as well as from independent agents, so you should compare both in order to have the best chance of saving money. There are still a few companies who don’t offer online price quotes and these small, regional companies work with independent agents.

To read more, link through to the resources below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2012 Chevrolet Captiva Sport Insurance Rates by City
City Premium
New York City, NY $1,761
Los Angeles, CA $1,905
Philadelphia, PA $1,490
Jacksonville, FL $1,617
Phoenix, AZ $1,296
Chicago, IL $1,490
Houston, TX $1,747
Seattle, WA $1,086
Columbus, OH $932
Indianapolis, IN $947

Rates by Driver Age

2012 Chevrolet Captiva Sport Insurance Rates by Driver Age
Driver Age Premium
16 $4,372
20 $2,548
30 $1,142
40 $1,116
50 $1,020
60 $998

Full coverage, $500 deductibles

Rates by Deductible

2012 Chevrolet Captiva Sport Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,330
$250 $1,230
$500 $1,116
$1,000 $1,002

Full coverage, driver age 40

Rates by Liability Limit

Chevrolet Captiva Sport Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,116
50/100 $1,208
100/300 $1,323
250/500 $1,622
100 CSL $1,254
300 CSL $1,507
500 CSL $1,691

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Chevrolet Captiva Sport Insurance Rates for High Risk Drivers
Age Premium
16 $6,180
20 $4,056
30 $2,428
40 $2,398
50 $2,292
60 $2,270

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $150

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $57
Multi-vehicle $59
Homeowner $19
5-yr Accident Free $72
5-yr Claim Free $70
Paid in Full/EFT $43
Advance Quote $50
Online Quote $77
Total Discounts $447
Rate after discounts $669

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2012 Chevrolet Captiva Sport Insurance Rates by State
State Premium
Alabama $1,010
Alaska $856
Arizona $926
Arkansas $1,116
California $1,270
Colorado $1,066
Connecticut $1,146
Delaware $1,262
Florida $1,394
Georgia $1,028
Hawaii $800
Idaho $756
Illinois $828
Indiana $838
Iowa $750
Kansas $1,058
Kentucky $1,522
Louisiana $1,648
Maine $688
Maryland $920
Massachusetts $892
Michigan $1,936
Minnesota $934
Mississippi $1,334
Missouri $988
Montana $1,196
Nebraska $880
Nevada $1,338
New Hampshire $804
New Jersey $1,248
New Mexico $988
New York $1,174
North Carolina $642
North Dakota $912
Ohio $770
Oklahoma $1,144
Oregon $1,020
Pennsylvania $1,064
Rhode Island $1,488
South Carolina $1,010
South Dakota $942
Tennessee $976
Texas $1,344
Utah $826
Vermont $762
Virginia $668
Washington $862
West Virginia $1,020
Wisconsin $772
Wyoming $994

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