Compare 2015 Chevrolet Volt Car Insurance Rates

Searching for better car insurance rates for your Chevrolet Volt? Pricey car insurance can draw down your personal savings and make it hard to pay other bills. Lots of insurers contend for your hard-earned dollar, and because of this it can be hard to compare car insurance companies to find the absolute best price available.

If you have a policy now or need a new policy, you can use this information to find better prices while maintaining coverages. Finding affordable coverage is easy if you know what you’re doing. Vehicle owners only need to know how to get comparison quotes over the internet.

Buy car insurance online

Performing a rate comparison can be a lot of work if you don’t utilize the fastest way to get free quotes. You can spend countless hours talking about coverages with insurance companies in your area, or you could save time and use the web to achieve your goal.

Most major companies belong to a marketplace where prospective buyers send in one quote, and each company then gives them pricing based on the submitted data. This prevents consumers from doing repetitive form submissions for each company.

To find out how much you can save on car insurance click here (opens in new window).

The one downside to doing it this way is you cannot specify the companies to receive prices from. So if you prefer to choose from a list of companies for rate comparison, we have a listing of low cost car insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but be sure you’re using exactly the same coverages and limits for each comparison quote. If you use different liability limits it’s not possible to get a fair rate comparison.

Advertising and car insurance

Consumers constantly see and hear ads that claim the cheapest premium rates by Progressive, GEICO, Allstate and State Farm. They all have a common claim of big savings if you just switch to them.

That’s great but how can every company lower your premium rates? This is how they do it.

Many companies give the cheapest rates for the type of driver that earns them a profit. For instance, a profitable customer should be over the age of 45, has no prior claims, and has excellent credit. Anyone who fits those characteristics will probably get cheap prices and will probably save if they switch.

Drivers who do not meet the requirements may be required to pay a more expensive rate which usually ends up with the prospect going elsewhere. The trick is to say “drivers that switch” but not “all drivers who get quotes” save that much. That’s the way insurance companies can make those claims.

Because every company is different, drivers should compare as many free car insurance quotes as you can. You cannot predict which company will have the best premium rates.

Slash your insurance coverage rates with discounts

Companies that sell car insurance don’t necessarily list every discount they offer in a way that’s easy to find, so the list below gives a summary of a few of the more common and the harder-to-find insurance coverage savings. If you’re not getting every credit you deserve, you are not getting the best rate possible.

  • Discount for Good Grades – Maintaining excellent grades may save you up to 25%. The good student discount can last well after school through age 25.
  • College Student – Any of your kids who are enrolled in a college that is more than 100 miles from home and do not have a car could qualify for this discount.
  • Homeowners Savings – Just owning your own home can get you a discount because owning a home requires a higher level of personal finance.
  • New Vehicle Savings – Buying a new car instead of a used car is cheaper due to better safety requirements for newer models.
  • Student Discount for Driver Training – Have your child enroll and complete driver’s education as it can save substantially.
  • Discounts for Seat Belt Usage – Buckling up and requiring all passengers to use their safety belts can save a little off PIP or medical payments premium.
  • Accident-Free Discounts – Insureds with no claims or accidents pay much less when compared to insureds who have frequent claims or accidents.
  • Professional Organizations – Affiliation with specific professional or occupational memberships or organizations is a simple method to lower premiums when getting a car insurance quote.

It’s important to note that some of the credits will not apply to your bottom line cost. Most only cut individual premiums such as comprehensive or collision. Even though it may seem like adding up those discounts means a free policy, that’s just not realistic.

Larger insurance coverage companies and their offered discounts include:

  • GEICO may offer discounts for multi-vehicle, federal employee, emergency military deployment, multi-policy, anti-theft, defensive driver, and daytime running lights.
  • MetLife discounts include good driver, good student, accident-free, defensive driver, claim-free, and multi-policy.
  • State Farm may have discounts that include accident-free, good driver, driver’s education, safe vehicle, and defensive driving training.
  • Progressive offers discounts for multi-policy, homeowner, multi-vehicle, continuous coverage, good student, online signing, and online quote discount.
  • Mercury Insurance may include discounts for multi-car, type of vehicle, age of vehicle, accident-free, and low natural disaster claims.
  • 21st Century has discounts for student driver, theft prevention, teen driver, 55 and older, good student, early bird, and homeowners.
  • Allstate offers discounts including anti-theft, eSmart discount, good payer, senior citizen, premier plus, and anti-lock brakes.

Before buying, ask every company to apply every possible discount. All car insurance discounts might not be offered on policies in your area. To see companies that offer many of these discounts, click here to view.

You are unique and your car insurance should be too

When it comes to choosing the best car insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different so your insurance should reflect that Here are some questions about coverages that could help you determine if your insurance needs would benefit from professional advice.

  • Do I need replacement cost coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • When should I remove comp and collision on my 2015 Chevy Volt?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Do I need motorclub coverage?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of car insurance companies in your area. It’s fast, free and can provide invaluable advice.

Insurance coverages and their meanings

Learning about specific coverages of a insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverage types offered by insurance companies.

Collision insurance

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims like backing into a parked car, scraping a guard rail, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. You can also increase the deductible to bring the cost down.

Liability coverage

This coverage provides protection from damage that occurs to other’s property or people that is your fault. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Some companies may use one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like repair costs for stationary objects, loss of income, repair bills for other people’s vehicles and medical services. How much coverage you buy is your choice, but buy as much as you can afford.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for X-ray expenses, nursing services, chiropractic care, ambulance fees and prosthetic devices. They are used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover both the driver and occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants as well as damage to your Chevy Volt.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these limits do not exceed the liability coverage limits.

Comprehensive coverage

This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hitting a deer, damage from flooding and a tree branch falling on your vehicle. The most your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Quote more. Save more.

As you quote car insurance, it’s a bad idea to buy less coverage just to save a little money. In many cases, someone dropped liability limits or collision coverage only to find out that saving that couple of dollars actually costed them tens of thousands. Your strategy should be to get the best coverage possible for the lowest cost, not the least amount of coverage.

Some insurance companies may not have rates over the internet and usually these small insurance companies only sell through independent agents. Low-cost 2015 Chevy Volt insurance is attainable from both online companies and also from your neighborhood agents, and you need to price shop both so you have a total pricing picture.

We just presented quite a bit of information on how to reduce 2015 Chevy Volt insurance rates online. It’s most important to understand that the more price quotes you have, the better your chances of lowering your car insurance rates. Drivers may discover the best rates are with the least-expected company. They may often insure only within specific states and give getter rates as compared to the big name companies such as Progressive and GEICO.

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