2012 Chevrolet Captiva Sport Insurance Cost

Trying to find the cheapest insurance rates for your Chevrolet Captiva Sport? Searching for the cheapest insurance for a new or used Chevy Captiva Sport could be a painful process, but you can use a few tricks to save time. There is a better way to find insurance online so we’re going to tell you the best way to price shop coverage for a new or used Chevy and locate the cheapest rates from local insurance agents and online providers.

It’s important to shop coverage around periodically because prices are constantly changing. If you had the best deal for Captiva Sport insurance a year ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about insurance because I’m going to let you in on the secrets to how to quote online to find great coverage at a great price.

Choosing the best insurance company for you is not rocket science. If you have a policy now or are looking for a new policy, you can use this information to get lower rates and still get good coverage. Drivers just need to understand the most efficient way to compare rates online.

How to compare free insurance coverage quotes

Getting cheap 2012 Chevy Captiva Sport insurance coverage pricing is pretty simple and can save money. Just invest a little time getting comparison quotes to find out which insurance company has low cost insurance coverage quotes. Insurance prices can be quoted by using one of the methods below.

  1. The most recommended method consumers can analyze rates is a comparison rater form (click to open form in new window). This form saves time by eliminating repetitive form entry to each individual insurance coverage company. A single, simple form gets you price quotes from insurance coverage companies with the best prices. Recommended for those who want to invest the least amount of time.
  2. A more time consuming way to compare prices consists of visiting each company website and fill out a new quote form. For sake of this example, let’s assume you want to compare prices for Progressive, Farmers and Allstate. You would have to go to every website and punch in your information repeatedly, which is why the first method is quicker.

    For a handy list of car insurance company links in your area, click here.

  3. The last way to compare rates is going to all the different insurance agencies. Doing it all online makes this unnecessary unless you have a need for the personal advice that only an agent can give. If you prefer, some companies allow you to get prices online and still use a local agent.

However you get your quotes, compare equivalent coverage data for each comparison quote. If you enter different liability limits then you won’t be able to determine which rate is truly the best.

Do I just need basic coverages?

When buying adequate coverage for your vehicles, there really is no one size fits all plan. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine if your insurance needs may require specific advice.

  • Do I pay less for low miles?
  • Are rock chip repairs covered?
  • What can I do if my company denied a claim?
  • Does my policy pay for OEM or aftermarket parts?
  • Do I have coverage if my license is suspended?
  • Is pleasure use cheaper than using my 2012 Chevy Captiva Sport to commute?
  • How do I buy GAP insurance?
  • What is UM/UIM insurance?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form. It only takes a few minutes and can help protect your family.

Auto insurance coverages

Knowing the specifics of insurance can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and reading a policy is terribly boring.

Collision protection

This covers damage to your Captiva Sport from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like crashing into a building, crashing into a ditch, backing into a parked car and hitting a mailbox. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Liability insurance

Liability coverage protects you from damage or injury you incur to people or other property that is your fault. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which means a limit of $50,000 per injured person, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like medical services, funeral expenses, repair bills for other people’s vehicles, bail bonds and structural damage. The amount of liability coverage you purchase is your choice, but consider buying as much as you can afford.

Medical expense coverage

Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like surgery, ambulance fees, prosthetic devices and funeral costs. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2012 Chevy Captiva Sport.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Comprehensive protection

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as hail damage, a tree branch falling on your vehicle, damage from flooding and vandalism. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.