How Much Does 2015 Chevrolet Volt Insurance Cost?
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UPDATED: May 12, 2022
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Want better insurance coverage rates for your Chevrolet Volt? Paying for high-priced Chevrolet Volt insurance can drain your personal savings, especially in this economy. Comparing price quotes is free, only takes a few minutes, and is a good way to slash your bill and have more diposable income.
Big companies like Progressive, State Farm and GEICO continually hit you with catchy ads and consumers find it hard to ignore the flashy ads and take the time to shop coverage around.
Take advantage of discounts
Companies that sell car insurance don’t always list every available discount in an easy-to-find place, so we break down both the well known and also the lesser-known discounts you could be receiving.
- Multi-car Discount – Having more than one vehicle on one policy could earn a price break for each car.
- Drive Less and Save – Fewer annual miles on your Chevy could qualify for better rates on cars that stay parked.
- Passive Restraints – Vehicles with factory air bags or automatic seat belts can qualify for discounts of more than 20%.
- Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save up to 15% off the personal injury premium cost.
- No Charge for an Accident – Certain companies will forgive one accident before raising your premiums if you are claim-free for a certain period of time.
Drivers should understand that most discounts do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as comp or med pay. So when it seems like you can get free auto insurance, companies wouldn’t make money that way.
Insurance companies that possibly offer some of the above discounts may include but are not limited to:
It’s a good idea to ask each insurance company how you can save money. All car insurance discounts may not apply everywhere.
Insurance Prices Online
There are several ways you can shop for Chevy Volt insurance but one way is less labor-intensive and much quicker. You could waste a few hours driving to insurance agencies in your area, or you could save time and use online quoting to maximize your effort.
Many companies take part in a program that enables customers to complete one form, and each company can give them a price. This prevents consumers from doing form submissions to every company.
To find out how much you can save on insurance click here to open in new window.
The one disadvantage to using this type of system is you are unable to specify the providers to get quotes from. If you wish to select from a list of companies to compare prices, we have a page of companies who write insurance in your area. Click to view list.
Which method you use is up to you, but compare exactly the same deductibles and coverage limits for every quote you compare. If you are comparing different liability limits it will be impossible to make a fair comparison for your Chevy Volt. Slightly different limits could mean much higher rates. And when price shopping your coverage, having more price comparisons gives you a better chance of getting the best offered rates.
Why your Chevy Volt insurance rates may be high
Smart consumers have a good feel for the factors that come into play when calculating your insurance coverage rates. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with lower insurance coverage prices.
The list below includes a few of the “ingredients” that factor into rates.
- Better credit scores mean better rates – A driver’s credit score is a large factor in your rate calculation. So if your credit history is lower than you’d like, you could pay less to insure your 2015 Chevrolet Volt by improving your credit score. Drivers with excellent credit tend to file fewer claims and have better driving records than drivers with poor credit.
- Your occupation can affect rates – Careers like lawyers, social workers and dentists tend to pay the highest average rates in part from high stress and long work days. Other occupations like scientists, historians and the unemployed have the lowest average rates on Volt insurance.
- Poor driving leads to higher costs – A bad driving record has a lot to do with how much you pay for insurance. Even one citation can boost insurance rates forty percent or more. Careful drivers get better rates compared to drivers with tickets. If you have flagrant violations like reckless driving, hit and run or driving under the influence may find they need to submit a SR-22 form with the DMV in their state in order to keep their license.
- Discounts for multiple policies – Some insurance coverage companies provide better rates to policyholders who buy several policies from them in the form of a multi-policy discount. Even though this discount sounds good, you still need to compare other company rates to ensure the best deal. Drivers may still find better rates by buying insurance from more than one company.
- Mature drivers pay less – Youthful drivers tend to be careless and easily distracted when driving so insurance coverage rates are higher. Having to add a teen driver to your insurance coverage policy can be quite pricey. More mature drivers are more cautious drivers, file fewer claims and are safer drivers.
- Do you know your deductibles? – Physical damage coverage, also known as collision and other-than-collision, protects your Chevy from damage. Some instances where coverage would apply could be running into the backend of another car, damage from fire, or theft. Physical damage deductibles are the amount of money you are willing to pay out-of-pocket in the event of a claim. The higher the amount you are required to pay out-of-pocket, the lower your rates will be on Volt insurance.
- Males pay more for insurance – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that women are better drivers. Both sexes tend to get into accidents in similar percentages, but the male of the species cause more damage and cost insurance companies more money. Men also tend to have more aggressive citations like DUI and reckless driving.
How to know if you need help
When buying adequate coverage for your personal vehicles, there really is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. For example, these questions could help you determine whether you might need professional guidance.
- Is my 2015 Chevy Volt covered for flood damage?
- Does my policy cover me when driving someone else’s vehicle?
- Why am I required to get a high-risk car insurance policy?
- Are split liability limits better than a combined single limit?
- How high should deductibles be on a 2015 Chevy Volt?
- Do all my vehicles need collision coverage?
- When does my teenage driver need to be added to my policy?
- When should I buy a commercial auto policy?
- Are my friends covered when driving my 2015 Chevy Volt?
- Should I sign the liability waiver when renting a car?
If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.
Specific coverages for a 2015 Chevy Volt
Knowing the specifics of a car insurance policy can help you determine the right coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and reading a policy is terribly boring. Listed below are typical coverages found on the average car insurance policy.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Chevy Volt.
Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Medical expense insurance
Coverage for medical payments and/or PIP pay for short-term medical expenses for things like nursing services, ambulance fees, prosthetic devices and dental work. The coverages can be used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage
Comprehensive (Other than Collision)
This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.
Comprehensive coverage protects against things such as damage from getting keyed, vandalism and hitting a deer. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Collision insurance covers damage to your Volt from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims like hitting a parking meter, rolling your car, colliding with a tree, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so you might think about dropping it from lower value vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.
Coverage for liability
This will cover injuries or damage you cause to other people or property that is your fault. This insurance protects YOU against other people’s claims. Liability doesn’t 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 liability limits of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage pays for claims such as bail bonds, funeral expenses, structural damage and attorney fees. How much coverage you buy is your choice, but it’s cheap coverage so purchase as large an amount as possible.
Don’t throw your cash in the trash
When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. Too many times, an insured dropped liability limits or collision coverage and discovered at claim time that they should have had better coverage. Your focus should be to get the best coverage possible at the best price while still protecting your assets.
In this article, we covered many ideas to lower your 2015 Chevy Volt insurance rates. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Consumers may even find the lowest priced insurance coverage comes from a small local company. They may have significantly lower rates on certain market segments than their larger competitors like GEICO and State Farm.
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