2003 Chevrolet SSR Car Insurance Cost – 9 Discounts for Best Prices

Wish you could get a refund on an overpriced insurance policy? Don’t sweat it because there are lots of residents who feel the same. There is such a variety of car insurance companies to pick from, and even though it’s nice to have multiple companies, it makes it harder to adequately compare rates.

Finding the best car insurance coverage is quite easy. If you have insurance now or need a new policy, you can follow these tips to get lower rates and still get good coverage. Drivers just need to learn the tricks to compare prices on the web.

Where can I get cheap insurance?

Finding more affordable 2003 Chevy SSR insurance quotes is not a difficult process. All you need to do is take time to get quotes from different insurance companies. Insurance prices can be quoted using one of these methods.

The easiest and least time consuming way to get quotes for comparison is a comparison rater form click here to open form in new window. This type of form prevents you from having to do multiple quote forms for each price estimate. Taking the time to complete one form gets coverage cost estimates instantly.

A more difficult way to find better pricing consists of visiting each individual company website to complete a price quote. For instance, we’ll pretend you want to compare Allstate, Farmers and State Farm. To get rate quotes you would need to visit each site to input your insurance information, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

The method you choose is up to you, but compare equivalent coverage information on every quote. If you have different limits and deductibles on each one it will be very difficult to find the best deal for your Chevy SSR.

Can you really save $406 a year?

Drivers get pounded daily by advertisements that promise big savings for switching from companies such as Allstate, GEICO and Progressive. They all make an identical promise that you’ll save big if you get a free insurance coverage quote and switch to their company.

How does every insurance coverage company give you a better price?

Different companies quote their best rates for the type of driver they prefer to insure. One example of a desirable risk could possibly be a female over age 40, has no claims, and has excellent credit. Any driver that hits that “sweet spot” will probably get cheap prices and will save when they switch companies.

People who don’t qualify for the “perfect” profile may receive higher premiums which usually ends up with the driver buying from a lower-cost company. Company advertisements say “customers who switch” but not “all drivers who get quotes” save the amount stated. This is how insurance companies can advertise the way they do.

Because every company is different, it’s extremely important to get a wide range of price quotes. Because you never know with any certainty which company will give you lower rates than your current company.

Lower rates by qualifying for these nine discounts

Some insurers don’t necessarily list every discount in an easy-to-find place, so here is a list both the well known in addition to some of the lesser obvious credits that you can use to lower your rates.

  • Telematics Devices – Policyholders that allow data collection to spy on their driving habits by using a telematics device in their vehicle such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease as long as they are good drivers.
  • Accident Forgiveness – Not really a discount, but certain companies may permit one accident without the usual rate increase if you have no claims prior to the accident.
  • Defensive Driver – Taking part in a driver safety course could possibly earn you a 5% discount and easily pay for the cost of the class.
  • Pay Early and Save – If you pay your entire premium ahead of time rather than paying in monthly installments you can avoid the installment charge.
  • Use Seat Belts – Drivers who always wear seat belts and also require passengers to use their safety belts can save up to 15% off the personal injury premium cost.
  • Low Miles Discount – Keeping the miles down on your Chevy may enable drivers to earn slightly better premium rates than normal.
  • College Student Discount – Youth drivers who are enrolled in higher education away from home and do not have access to a covered vehicle can be insured at a reduced rate.
  • Multi-Vehicle Discounts – Insuring multiple cars with the same car insurance company can reduce rates for all insured vehicles.
  • Good Grades Discount – Maintaining excellent grades can save 20 to 25%. Most companies allow this discount up until you turn 25.

Discounts lower rates, but most discount credits are not given to the entire policy premium. Some only apply to the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like you could get a free car insurance policy, it’s just not the way it works. But all discounts will help reduce your overall bill.

Popular car insurance companies and a partial list of their discounts include:

  • Esurance includes discounts for good student, homeowner, online shopper, anti-lock brakes, Switch & Save, DriveSense, and Pac-12 alumni.
  • The Hartford has savings for good student, bundle, anti-theft, driver training, and defensive driver.
  • AAA has discounts for multi-car, pay-in-full, multi-policy, AAA membership discount, good driver, anti-theft, and education and occupation.
  • GEICO may include discounts for multi-vehicle, daytime running lights, seat belt use, multi-policy, and five-year accident-free.
  • State Farm may offer discounts for anti-theft, multiple autos, Drive Safe & Save, good driver, accident-free, passive restraint, and student away at school.

Double check with every insurance company which credits you are entitled to. Some discounts listed above might not be available to policyholders in your state.

Car insurance is unique, just like you

When choosing adequate coverage for your personal vehicles, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs so your insurance should reflect that For example, these questions could help you determine whether your personal situation could use an agent’s help.

  • Does my policy cover me when driving someone else’s vehicle?
  • Do I really need UM/UIM coverage?
  • When should I not file a claim?
  • How high should deductibles be on a 2003 Chevy SSR?
  • Can my teen drive my company car?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Are split liability limits better than a combined single limit?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and can help protect your family.

Auto insurance coverage breakdown

Learning about specific coverages of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Shown next are typical coverage types available from auto insurance companies.

Collision coverages – This will pay to fix damage to your SSR resulting from a collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as rolling your car, hitting a parking meter and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist (UM/UIM) – This gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your 2003 Chevy SSR.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is a good idea. Most of the time these limits do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP) – Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like chiropractic care, pain medications, X-ray expenses, funeral costs and nursing services. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability – This protects you from damage or injury you incur to people or other property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 50/100/50 which means $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Some companies may use one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for claims such as medical expenses, structural damage and funeral expenses. How much coverage you buy is your choice, but you should buy higher limits if possible.

Comprehensive insurance – This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, hitting a deer, damage from a tornado or hurricane and fire damage. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Get your money’s worth

Some insurance companies do not provide online price quotes and most of the time these regional insurance providers only sell coverage through independent agents. Low-cost 2003 Chevy SSR insurance can be purchased online as well as from insurance agents, and you should compare rates from both so you have a total pricing picture.

When buying insurance coverage, it’s very important that you do not skimp on critical coverages to save a buck or two. There have been many cases where someone dropped uninsured motorist or liability limits only to find out that their decision to reduce coverage ended up costing them more. Your strategy should be to purchase plenty of coverage at the best possible price, but do not sacrifice coverage to save money.

Throughout this article, we presented a lot of information how to get a better price on 2003 Chevy SSR insurance. The key thing to remember is the more quotes you get, the higher the chance of saving money. Consumers could even find that the lowest prices come from a lesser-known regional company. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as State Farm, GEICO and Nationwide.

To read more, take a look at the following helpful articles: