Chevrolet Chevrolet Bolt Insurance Rates
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UPDATED: Apr 20, 2022
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Trying to find cheaper auto insurance rates for your Chevrolet Bolt? No one in their right mind looks forward to buying auto insurance, especially knowing they are paying too much.
Lots of car insurance companies contend to insure your vehicles, and it can be difficult to compare rates to get the lowest rate.
If you have car insurance now, you may be able to lower your Chevy Bolt insurance cost using these tips. Finding affordable coverage is quite easy. Nevertheless, drivers do need to understand the way companies price online insurance because it can help them find the best coverage.
Finding Insurance for a Chevrolet Bolt
There are several ways you can shop for insurance and some are easier and takes less work. You can spend your afternoon talking to insurance companies in your area, or you can stay home and use the web to achieve your goal.
The majority of car insurance companies belong to a marketplace where insurance shoppers submit one quote, and every company then gives them pricing for coverage. This eliminates the need for form submissions to each company.
The only downside to pricing coverage this way is that you can’t choose which carriers you will receive quotes from. So if you prefer to pick specific providers to compare rates, we have assembled a list of the cheapest insurance companies in your area.
The approach you take is up to you, just be sure to compare nearly identical quote data on every quote. If your comparisons have higher or lower deductibles it will be next to impossible to truly determine the lowest rate. Slightly different insurance coverages could mean much higher rates.
Just remember that comparing a wide range of rates helps increase your odds of locating better pricing. Some smaller insurers do not give prices over the internet, so it’s necessary to compare rates from the smaller companies as well.
Chevy Bolt Auto Insurance Coverage
When choosing coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. These are some specific questions that may help highlight if you would benefit from professional advice.
- Am I covered when delivering products for my home-based business?
- Should I buy only the required minimum liability coverage?
- When should I remove comp and collision on my 2017 Chevy Bolt?
- How much underlying liability do I need for an umbrella policy?
- Is upholstery damage covered by car insurance?
- Are my friends covered when driving my 2017 Chevy Bolt?
- Should I sign the liability waiver when renting a car?
- Do all my vehicles need collision coverage?
- What can I do if my company denied a claim?
- What is no-fault insurance?
If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent.
Auto Insurance Coverage Options
Having a good grasp of insurance can be of help when determining appropriate coverage at the best deductibles and correct coverage limits required for car insurance in your state. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages offered by insurance companies.
Comprehensive auto coverage – This pays to fix your vehicle from damage caused by mother nature, theft, vandalism, and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like a broken windshield, hail damage, rock chips in glass, 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 consider removing comprehensive coverage.
Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as chiropractic care, surgery, and prosthetic devices. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. PIP is only offered in select states and gives slightly broader coverage than med pay
Liability insurance – Liability insurance protects you from injuries or damage you cause to other’s property or people in an accident. It protects YOU against other people’s claims. It does not cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident, and property damage. You commonly see limits of 50/100/50 which means a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property.
Liability coverage protects against things such as repair costs for stationary objects, medical services, repair bills for other people’s vehicles, medical expenses, and loss of income. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.
UM/UIM (Uninsured/Underinsured Motorist) coverage – This provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for hospital bills for your injuries 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 a good idea.
Collision coverage – Collision coverage pays for damage to your Bolt resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things like sustaining damage from a pothole, crashing into a ditch, damaging your car on a curb, and driving through your garage door. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to get cheaper collision coverage.
Compare Chevrolet Bolt Insurance Quotes to Save
While you’re price shopping online, never reduce coverage to reduce the premium. In too many instances, drivers have reduced comprehensive coverage or liability limits and learned later that a couple of dollars of savings turned into a financial nightmare. Your aim should be to buy a smart amount of coverage at the best price but still have enough coverage for asset protection.
You just learned many ways to save on 2017 Chevy Bolt insurance. The key thing to remember is the more companies you get rates for, the higher the chance of saving money. You may even discover the lowest prices are with some of the lesser-known companies. These smaller insurers can often provide lower rates in certain areas as compared to the big-name companies such as State Farm, GEICO, and Nationwide.
Some companies may not offer the ability to get quotes online and these small, regional companies only sell through independent agencies. Low-cost 2017 Chevy Bolt insurance can be purchased on the web and also from your neighborhood agents, so you should be comparing quotes from both in order to have the best chance of saving money.
Discounts that Cut Chevrolet Bolt Auto Insurance Rates
Companies don’t always publicize every discount very clearly, so the list below details some of the best known and the more hidden discounts that may be available.
- Drive Less and Save – Fewer annual miles on your Chevy could be rewarded with cheaper premium rates.
- Anti-lock Brakes – Cars, trucks, and SUVs that have anti-lock braking systems can reduce accidents and earn discounts of up to 10%.
- Passive Restraints and Air Bags – Vehicles equipped with airbags could see savings of up to 25% or more.
- Save with a New Car – Adding a new car to your policy may earn a small discount due to better safety requirements for newer models.
- Driving Data Discount – Drivers who agree to allow driving data collection to look at when and where they use their vehicle by installing a telematics device like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease as long as they are good drivers.
- Discount for Switching Early – Some larger companies give discounts for signing up before your current expiration date. You can save around 10% with this discount.
- Federal Employees – Federal government employees can earn a discount of up to 10% for Bolt coverage with some auto insurance companies.
- Clubs and Organizations – Affiliation with a qualifying organization may earn a discount on your policy.
- Active Military Service – Being deployed with a military unit may lower your prices slightly.
Discounts lower rates, but some credits don’t apply to all coverage premiums. Most only cut individual premiums such as medical payments or collisions. Just because you may think you can get free auto insurance, nobody gets a free ride.
Companies that possibly offer some of the discounts shown above include:
- State Farm
- 21st Century
Before buying, ask every prospective company which discounts can lower your rates. A few discounts may not be available in your area.
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