Cheapest 2019 Chevrolet Cruze Insurance Rates in 2023
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UPDATED: Dec 1, 2021
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Searching for better auto insurance rates for your Chevrolet Cruze? Pricey auto insurance can stress out your checking account and maybe even restrict other spending. Performing a rate comparison is free, only takes a few minutes, and is a good way to lower your monthly bill.
Many insurance companies vie to insure your vehicles, so it can be very hard to choose a company and uncover the absolute lowest price
If you currently have a car insurance policy, you should be able to cut costs considerably using these techniques. Finding affordable coverage is not that difficult. Although consumers must learn how big insurance companies price insurance differently.
How much does insurance cost?
To get low cost auto insurance quotes, there a variety of ways to compare rate quotes from many insurance companies in your state. The simplest method to find affordable Chevy Cruze insurance rates involves getting comparison quotes online. It’s really quite simple and can be done in several different ways.
Experts agree that the best way consumers can make multiple comparisons is a comparison rater form. This form prevents you from having to do repetitive form submissions for each company. Completing one form gets you price quotes from many national carriers.
A slightly less efficient method to analyze rates consists of going to the website for each individual company and repeat the quote process again and again. For examples sake, let’s say you want to view quotes from GEICO, 21st Century and American Family. You would have to visit each site and repeatedly enter your information, which can take a lot of time.
The hardest way to comparison shop rate quotes is to drive around to different agent offices. Doing it all online eliminates this option unless you prefer the trained guidance of a licensed agent. It is possible to compare online quotes but buy from a local insurance agent.
How you compare quotes is your choice, just make absolute certain that you use apples-to-apples quote data with each company. If your comparisons have different coverage information you will not be able to determine the lowest rate for your Chevy Cruze. Quoting even small variations in limits could mean much higher rates. Just remember that quoting more increases the change that you will find the best offered rates.
Find discounts on insurance
Insuring your fleet can be pricey, but you might find some hidden discounts that may help make it more affordable. Certain credits will be shown when you complete an application, but some may not be applied and must be specifically requested prior to getting the savings.
- Telematics Devices – Drivers who elect to allow companies to look at driving manner by installing a telematics device such as Snapshot from Progressive or Drivewise from Allstate might see lower rates if they have good driving habits.
- Low Mileage Discounts – Driving fewer miles could earn lower prices on the low mileage vehicles.
- Student Discounts – Excelling in school may save you up to 25%. Most companies allow this discount up until you turn 25.
- Theft Deterent Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and that can save you a little bit as well.
- Driver Safety – Completing a defensive driver course could save 5% or more and make you a better driver.
- Own a Home and Save – Simply owning a home may trigger a policy discount on insurance since home ownership requires personal responsibility.
- Senior Discount – Older drivers are able to get reduced rates for Cruze coverage.
- Accident Forgiveness – This one isn’t a discount, but companies like Liberty Mutual, Allstate and State Farm will allow you to have one accident before they charge you more for coverage if you have no claims for a particular time prior to the accident.
- Multi-car Discount – Having primary and secondary vehicles on one policy may reduce the rate for each vehicle.
- Paper-free Discount – Many insurance companies give back up to $50 for completing your application on your computer.
A little disclaimer on discounts, some of the credits will not apply to the entire policy premium. The majority will only reduce specific coverage prices like liability and collision coverage. So when it seems like adding up those discounts means a free policy, companies wouldn’t make money that way.
Car insurance companies that may include these discounts include:
- Farm Bureau
- American Family
- State Farm
If you need lower rates, check with each company or agent which discounts can lower your rates. Some discounts listed above might not be offered on policies in your area. To locate insurance companies with significant discounts, enter your zip code here.
Tailor your insurance coverage coverage to you
When it comes to choosing proper insurance coverage, there really is no one size fits all plan. Everyone’s situation is unique and your policy should reflect that. Here are some questions about coverages that might help in determining whether your personal situation may require specific advice.
- Am I covered if I wreck a rental car?
- Is borrowed equipment or tools covered if stolen or damaged?
- Is my nanny covered when driving my vehicle?
- Am I covered when renting a car or should I buy coverage from the car rental agency?
- Am I covered if I hit a deer?
- Should I carry comprehensive and collision coverage?
- Is my vehicle covered by my employer’s policy when using it for work?
If you can’t answer these questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and enter your zip code.
Auto insurance coverages explained
Knowing the specifics of auto insurance helps when choosing the best coverages for your vehicles. Auto insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages available from auto insurance companies.
Liability auto insurance
Liability insurance will cover injuries or damage you cause to other’s property or people. This coverage protects you against claims from other people, and does not provide coverage for your own vehicle damage or injuries.
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 might see limits of 50/100/50 which stand for a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.
Liability coverage protects against things such as emergency aid, structural damage, repair bills for other people’s vehicles, repair costs for stationary objects and attorney fees. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.
This pays for damage to your Cruze from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.
Collision coverage pays for things such as crashing into a building, colliding with another moving vehicle, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.
UM/UIM (Uninsured/Underinsured Motorist) coverage
This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and damage to your Chevy Cruze.
Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.
Medical payments and PIP coverage
Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for things like rehabilitation expenses, funeral costs and dental work. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible
Comprehensive auto coverage
Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive can pay for claims such as hail damage, vandalism, damage from flooding and a tree branch falling on your vehicle. The most your auto insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.
Be a smart shopper
Cheap 2019 Chevy Cruze insurance can be bought from both online companies and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from. A few companies may not have the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.
As you go through the steps to switch your coverage, you should never buy poor coverage just to save money. There are a lot of situations where drivers have reduced liability coverage limits and discovered at claim time that it was a big mistake. Your goal is to purchase plenty of coverage at the best possible price but still have enough coverage for asset protection.
More learning opportunities
- Booster Seat Ratings (iihs.org)
- Understanding Your Insurance Deductible (Insurance Information Insitute)
- Vehicle Insurance in the U.S. (Wikipedia)
- Auto Crash Statistics (Insurance Information Insitute)
- Auto Insurance Learning Center (State Farm)
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