Lower Your 2013 Chevrolet Captiva Sport Car Insurance Rates

Comparing car insurance quotes online is challenging if you haven’t ever compared insurance using online price quotes. Don’t let the process intimidate you because finding better rates is actually fairly simple.

If you currently have car insurance, you will most likely be able to lower your premiums substantially using these techniques. The purpose of this article is to let you in on how to effectively get price quotes and some tips to save money. Although car owners can benefit from knowing the way insurance companies market insurance on the web and take advantage of how the system works.

The quickest method we recommend to get rate comparisons is to understand all the major auto insurance companies provide online access to provide you with a free rate quote. To get started, all you need to do is provide a little information like the year, make and model of vehicles, whether your vehicle is owned or leased, if a SR-22 is needed, and distance driven. Your details is instantly sent to insurance carriers in your area and they provide comparison quotes very quickly.

To find lower rates now, click here and enter the information requested.

Your car insurance coverage should be tailored to you

When buying the right insurance coverage for your vehicles, there is no perfect coverage plan. Every situation is different.

These are some specific questions might help in determining if you might need an agent’s assistance.

  • What is no-fault insurance?
  • How high should deductibles be on a 2013 Chevy Captiva Sport?
  • Should I have combined single limit or split liability limits?
  • Is my custom paint covered by insurance?
  • Am I covered if my car is in a flood?
  • Does my policy cover me when driving someone else’s vehicle?
  • Can my teen driver be rated on a liability-only vehicle?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to an insurance agent. To find lower rates from a local agent, complete this form.

Car insurance coverages and their meanings

Learning about specific coverages of your policy aids in choosing appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy Captiva Sport.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. So UM/UIM coverage is very important. Usually the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage protection

Collision insurance will pay to fix damage to your Captiva Sport resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as sustaining damage from a pot hole, damaging your car on a curb and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to raise the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses for things like hospital visits, X-ray expenses and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is only offered in select states and may carry a deductible

Liability coverage

This protects you from injuries or damage you cause to people or other property. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims such as structural damage, attorney fees, court costs and emergency aid. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Comprehensive coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like fire damage, damage from getting keyed and falling objects. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.