View 2013 Chevrolet Volt Insurance Cost
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UPDATED: Jun 27, 2022
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Buying the lowest cost insurance online may be challenging for beginners. With so many choices of insurers available, how can anyone even start to compare every one to find the best pricing when it comes to Chevrolet Volt insurance?
It is always a good idea to compare prices every six months due to the fact that insurance rates go up and down regularly. Just because you had the best price for Volt insurance on your last policy a different company probably has better rates today. So ignore everything you know about insurance because you’re about to learn the best way to lower your annual insurance bill.
How to Get Cheap Auto Insurance
To find the best auto insurance prices, there are several ways to compare quotes from local auto insurance companies. One of the best ways to find the cheapest 2013 Chevy Volt insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished using a couple of different methods.
- The fastest way consumers can analyze rates is to use a rate comparison form like this one (opens in a new window). This type of form saves time by eliminating repetitive form submissions for each company. Filling out one form gets rate comparisons from all major companies. It’s the quickest way to get rates.
- A more time-consuming way to shop for auto insurance online requires you to visit the website of each individual company to complete their respective quote request forms. For sake of this example, let’s say you want comparison quotes from State Farm, Liberty Mutual, and GEICO. You would have to spend time on each company’s site to input your insurance information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
It’s up to you which method you use, but compare the exact same coverage limits and deductibles for every quote you compare. If you enter higher or lower deductibles it will be very difficult to determine which rate is truly the best. Slightly different limits can mean a large discrepancy in price. Keep in mind that having more price comparisons will enable you to find lower pricing.
Lower Rates by Qualifying for Discounts
Companies offering auto insurance don’t list every discount in a way that’s easy to find, so the following is a list of some of the best known and the more hidden discounts you could be receiving.
- Auto/Home Discount – When you combine your home and auto insurance with the same company you may save at least 10% off all policies.
- Government Employees – Active or retired federal employment can save as much as 8% for Volt insurance with select insurance companies.
- Multiple Cars – Having all your vehicles on the same auto insurance policy qualifies for this discount.
- Defensive Driver – Completing a course teaching defensive driving skills could possibly earn you a 5% discount if you qualify.
- Payment Method – If paying your policy premium upfront instead of making monthly payments you could save 5% or more.
- Drive Less and Save – Driving fewer miles can qualify you for lower rates on low mileage vehicles.
- Accident Waiver – A few companies will allow you to have one accident without raising rates so long as you haven’t had any claims for a set time period.
Keep in mind that some credits don’t apply to the whole policy. Most only cut individual premiums such as liability and collision coverage. Even though it may seem like all those discounts mean the company will pay you, you’re out of luck.
A partial list of companies that possibly offer some of the above discounts include:
- State Farm
- American Family
- Mercury Insurance
- Farmers Insurance
Check with all companies you are considering how you can save money. Discounts may not be available in your area.
Why Your Chevy Volt Insurance Rates May Be High
An important part of buying insurance is that you know some of the elements that help determine the price you pay for insurance. Knowing what determines base rates allows you to make educated decisions that may reward you with big savings on your Chevrolet Volt insurance costs.
- Being married is a good thing – Having a wife or husband actually saves money when buying insurance. Marriage is viewed as being more mature and responsible and it’s statistically proven that married couples file fewer claims.
- Keep rates low by being claim-free – Auto insurance companies give cheaper rates to insureds who file claims infrequently. If you file claims often, you can look forward to either policy cancellation or increased premiums. Auto insurance is designed for large, substantial claims.
- Don’t buy coverages you don’t need – There are many extra coverages you can purchase on your insurance policy. Coverages like vanishing deductibles, better glass coverage, and term life insurance may be wasting your money. These may sound like a good investment when you first buy your policy, but if they’re wasting money get rid of them and save.
- Your credit rating is important – Your credit history is an important factor in determining what you pay for insurance. If your credit history is not that good, you could be paying less to insure your 2013 Chevrolet Volt by improving your rating. Drivers with high credit scores tend to file fewer claims and have better driving records than those with lower credit scores.
- Liability coverage protects you – Liability insurance provides coverage when a jury decides you are liable for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court which can be incredibly expensive. Liability insurance is quite affordable compared to physical damage coverage, so drivers should carry high limits.
Car Insurance is Unique, Just Like You
When it comes to buying the best insurance coverage, there is no single plan that fits everyone. Everyone’s situation is a little different.
Here are some questions about coverages that could help you determine whether or not you may require specific advice.
- Do I have newly-acquired coverage?
- Should I waive the damage coverage when renting a car?
- How do I file an SR-22 for a DUI in my state?
- When should I not file a claim?
- Does insurance cover tools that are stolen from my truck?
- Do I have coverage if my license is suspended?
- What should my uninsured motorist coverage limits be in my state?
If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.
Auto Insurance Ads Bend The Truth
Auto insurance providers like State Farm, GEICO, and Progressive regularly use ads in print and on television. They all have a common claim that you’ll save big if you move to their company. How can each company make almost identical claims?
All companies can use profiling for the type of driver that makes them money. For instance, a profitable customer could possibly be over the age of 50, insures multiple vehicles, and drives newer vehicles. Any new insured who fits that profile will get the preferred rates and is almost guaranteed to pay quite a bit less when switching companies.
Potential customers who do not match these standards will have to pay higher premiums which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers that switch” not “everybody who quotes” save money. This is how insurance companies can confidently advertise the way they do. Because of the profiling, you absolutely need to get as many comparisons as possible. Because you never know which company will give you the biggest savings on Chevy Volt insurance.
Auto Insurance Coverages Explained
Having a good grasp of your policy aids in choosing which coverages you need for your vehicles. Auto insurance terms can be confusing and reading a policy is terribly boring.
Uninsured/Underinsured Motorist (UM/UIM) – This provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Chevy Volt.
Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important.
Comprehensive insurance – This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, rock chips in glass, damage from a tornado or hurricane, and hitting a bird. The most an auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.
Collision – Collision coverage covers damage to your Volt caused by a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for things such as damaging your car on a curb, driving through your garage door, colliding with another moving vehicle, sideswiping another vehicle, and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.
Liability – Liability coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.
Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident, and a property damage limit. You commonly see policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.
Liability coverage protects against claims such as repair bills for other people’s vehicles, legal defense fees, emergency aid, repair costs for stationary objects, and medical expenses. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.
Med pay and Personal Injury Protection (PIP) – Medical payments and Personal Injury Protection insurance kick in for bills for things like X-ray expenses, doctor visits, hospital visits, prosthetic devices, and funeral costs. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants and also covers any family member who is struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible
A Penny Can Be Earned With Saving
Cheap 2013 Chevy Volt insurance is available both online and also from your neighborhood agents, so you should compare both to have the best chance of lowering rates. Some auto insurance companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.
Consumers who switch companies do it for many reasons like denial of a claim, extreme rates for teen drivers, not issuing a premium refund, or even unfair underwriting practices. Regardless of your reason for switching companies, finding the right auto insurance provider is pretty simple and you could end up saving a buck or two.
When trying to cut insurance costs, do not buy less coverage just to save a little money. There have been many situations where an accident victim reduced collision coverage and discovered at claim time that the savings was not a smart move. Your aim should be to get the best coverage possible at the best price.
- Side Impact Crash Tests (iihs.org)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
- Teen Driver Licensing Information (iihs.org)
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