2016 Chevrolet Cruze Limited Insurance Quotes in 2024 – 5 Tips for Cheapest Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 24, 2024

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Searching for lower insurance rates for your Chevrolet Cruze Limited? Feeling guilty for buying an underperforming, overpriced insurance policy? Don’t feel bad because you’re not the only one.

Consumers have so many insurance companies to insure vehicles with, and although it’s nice to be able to choose, more choices can make it harder to adequately compare rates.

Consumers need to do rate comparisons occasionally because rates are usually higher with each renewal. Despite the fact that you may have had the lowest premium rates on Cruze Limited insurance a few years ago you will most likely find a better price today. Ignore everything you know about insurance because I’m going to let you in on the secrets to the best methods to find better coverage at a better price.

Buying car insurance is not rocket science. In a nutshell, everyone who buys insurance coverage will more than likely be able to find lower rates. But vehicle owners can benefit from knowing the way insurance companies compete online and use this information to your advantage.

How to get free car insurance quotes online

There are several ways of comparing rates from companies that offer car insurance in your state. The best way to do a complete rate comparison consists of shopping online. It is quite easy and can be accomplished in several different ways.

  • The simplest way to compare a lot of rates at once is to use a rate comparison form. This type of form saves time by eliminating a different quote for each company. Filling out one form gets insurance cost estimates from all major companies.
  • A harder way to find better pricing requires a visit to each company website to request a price quote. For examples sake, we’ll pretend you want to compare prices for State Farm, Farmers and GEICO. You would be required to navigate to each company’s site to enter your coverage information, which is not fast way to get rate quotes.
  • Even if you have time, the least recommended method to comparison shop rate quotes is calling or driving to and from local insurance agencies. Comparing rate quotes online has made agencies unnecessary unless you want the trained guidance of a local agent. It is possible to get the lowest quotes online and get advice from an agent in your area.

However you get your quotes, make sure you compare nearly identical coverage limits and deductibles for each comparison quote. If you compare different liability limits it will be very difficult to make a fair comparison for your Chevy Cruze Limited. Even a minor difference in coverage limits may result in a large different in cost. And when comparison shopping, comparing a large number of companies helps increase your odds of locating a better price. Not every company provides online quotes, so it’s important to compare quotes from the smaller companies as well.

Insurance Discounts

Companies offering auto insurance don’t always list every discount available in an easy-to-find place, so we researched a few of the more common in addition to some of the lesser obvious credits that you can use to lower your rates. If you don’t get every credit available, you are throwing money away.

  • Membership in Organizations – Being a member of qualifying employment or professional organizations is a good way to get lower rates on insurance.
  • Distant College Student Discount – who attend college more than 100 miles from home and won’t have access to an insured vehicle may be insured at a cheaper rate.
  • Drive Less and Save – Fewer annual miles on your Chevy could be rewarded with slightly better premium rates than normal.
  • New Vehicle Savings – Putting insurance coverage on a new car can save you some money because new model year vehicles are generally safer.
  • Multi-Vehicle Discounts – Insuring several vehicles with the same insurance company could earn a price break for each car.

A little disclaimer on discounts, most credits do not apply to the entire policy premium. A few only apply to specific coverage prices like collision or personal injury protection. Despite the fact that it seems like all the discounts add up to a free policy, it doesn’t quite work that way.

Popular insurance companies and a partial list of their discounts are:

  • GEICO has discounts for good student, defensive driver, driver training, military active duty, federal employee, and seat belt use.
  • Mercury Insurance has savings for multi-car, accident-free, low natural disaster claims, good driver, and professional/association.
  • Farmers Insurance offers premium reductions for mature driver, business and professional, electronic funds transfer, good student, multi-car, and bundle discounts.
  • Auto-Owners Insurance may have discounts that include mature driver, anti-lock brakes, company car, anti-theft, and paid in full.
  • Liberty Mutual may offer discounts for hybrid vehicle, safety features, new vehicle discount, newly retired, and multi-car.
  • SAFECO discounts include anti-theft, accident prevention training, teen safe driver, multi-car, teen safety rewards, drive less, and safe driver.
  • Progressive offers discounts including homeowner, multi-vehicle, online signing, online quote discount, good student, multi-policy, and continuous coverage.
  • USAA policyholders can earn discounts including vehicle storage, driver training, military installation, new vehicle, annual mileage, defensive driver, and safe driver.

Before buying, ask all the companies to give you their best rates. Discounts may not be available in your area. To locate insurers that can offer you the previously mentioned discounts, enter your zip code here.

Tailor your auto insurance coverage to you

When buying the best auto insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Everyone’s situation is a little different and a cookie cutter policy won’t apply. These are some specific questions could help you determine if you could use an agent’s help.

  • Can I rate high risk drivers on liability-only vehicles?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • When can my company non-renew my policy?
  • Can I afford to pay high deductible claims out of pocket?
  • When should I drop full coverage on my 2016 Chevy Cruze Limited?
  • Is my camper covered by my car insurance policy?
  • Can I afford to buy a different vehicle if my 2016 Chevy Cruze Limited is totaled?

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 your zip code.

Car insurance coverage breakdown

Having a good grasp of a car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. These are typical coverages offered by car insurance companies.

Comprehensive auto coverage

This covers damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, hitting a bird, vandalism, rock chips in glass and falling objects. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability car insurance

This coverage provides protection from injuries or damage you cause to other people or property in an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability can pay for things like bail bonds, emergency aid, repair costs for stationary objects, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is a personal decision, but consider buying as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle when other motorists are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision coverage protection

This coverage covers damage to your Cruze Limited resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims like crashing into a ditch, hitting a parking meter, sideswiping another vehicle and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Med pay and PIP coverage kick in for expenses such as pain medications, chiropractic care and doctor visits. They are used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Save your cold hard cash

Some insurance providers do not provide internet price quotes and most of the time these smaller companies only sell through independent insurance agencies. Discount 2016 Chevy Cruze Limited insurance is attainable on the web and with local insurance agents, and you need to comparison shop both to have the best chance of lowering rates.

We just covered many tips how you can compare 2016 Chevy Cruze Limited insurance premium rates online. The most important thing to understand is the more rate comparisons you have, the better likelihood of getting affordable auto insurance. You may be surprised to find that the lowest priced insurance comes from the least-expected company. These companies may only write in your state and offer lower prices compared to the large companies like Allstate and Progressive.

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