Are you regretting buying overpriced car insurance? Believe me when I say there are many San Antonio consumers feeling the pinch from expensive car insurance. Because you have many choices of insurance companies, it’s nearly impossible to locate a lower cost insurance company.
Cheaper rates with these discounts
Some companies don’t always advertise every discount very well, so we break down both well-publicized in addition to some of the lesser obvious discounts that you can inquire about if you .
- ABS Brakes – Cars equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
- Federal Employees – Being employed by or retired from a federal job can earn a discount up to 10% on Cruze insurance with select insurance companies.
- Drive Less and Save – Low annual miles can qualify you for discounted car insurancerates on garaged vehicles.
- Discounts for Cautious Drivers – Drivers who don’t get into accidents may save up to 50% more on Cruze insurance than drivers with accident claims.
- Claim Free – Good drivers with no accidents can earn big discounts in comparison with insureds who have frequent claims or accidents.
- Senior Discount – Drivers over the age of 55 are able to get a small decrease in premiums on Cruze insurance.
- Seat Belts Save – Forcing all vehicle occupants to use a seat belt can save 10% or more off PIP or medical payments premium.
It’s important to understand that many deductions do not apply the the whole policy. Some only reduce individual premiums such as liability, collision or medical payments. Despite the appearance that having all the discounts means you get insurance for free, that’s just not realistic.
Larger car insurance companies and a selection of discounts are shown below.
- GEICO has savings for federal employee, daytime running lights, seat belt use, air bags, and multi-policy.
- Mercury Insurance offers discounts for good driver, ease of repair, location of vehicle, good student, multi-policy, accident-free, and age of vehicle.
- Farmers Insurance may have discounts that include early shopping, homeowner, electronic funds transfer, alternative fuel, and youthful driver.
- Auto-Owners Insurance offers premium reductions for anti-theft, teen driver, company car, paid in full, and air bags.
- Liberty Mutual may include discounts for safety features, new move discount, teen driver discount, preferred payment discount, and newly retired.
- SAFECO offers discounts including bundle discounts, homeowner, accident prevention training, teen safety rewards, anti-lock brakes, and safe driver.
- Progressive has discounts for continuous coverage, good student, multi-policy, online quote discount, homeowner, and multi-vehicle.
- USAA includes discounts for multi-vehicle, safe driver, military installation, loyalty savings, and multi-policy.
If you need , ask every prospective company how many discounts you can get. Some discounts might not be available to policyholders in every state. To locate companies that offer many of these discounts in Texas, click here to view.
Getting cheaper car insurance pricing is not a difficult process. Drivers just need to take the time comparing rate quotes to find the company with . Rate comparisons can be done in just a few minutes using one of these methods.
- Hands down the most simple method to get the best comparison quotes would be an industry-wide quote request form like this one (opens in new window). This form keeps you from doing repetitive form submissions for every prospective company. One quote request gets coverage cost estimates from multiple companies.
- A slightly less efficient method to compare prices is to manually visit the website for each individual company and repeat the quote process again and again. For example, let’s say you want rates from Nationwide, GEICO and Allstate. To do that, you would have to visit each site and enter your information, and that explains why we recommend the first method.
For a list of companies in San Antonio, click here.
Take whichever approach you prefer, but make sure you use exactly the same quote information on every quote you get. If you compare different coverage information you will not be able to determine which company has the best rates in San Antonio.
What Impacts Chevy Cruze Insurance Premiums?
Multiple criteria are part of the equation when quoting car insurance. Some are pretty understandable like an MVR report, although some other factors are less obvious like your vehicle usage or how safe your car is.
Shown below are some of the things used by your company to calculate your rates.
- Employer stress can make you pay more – Did you know that where you work can have an impact on rates? Careers such as military generals, business owners and dentists tend to have the highest average rates due to intense work situations and extremely grueling work hours. Conversely, jobs such as farmers, students and retirees pay lower than average rates on Cruze insurance.
- Teenage vs. mature drivers – More experienced drivers are shown to be more cautious, cause fewer claims and accidents and are safer drivers.Young drivers have a tendency to be inattentive and easily distracted when driving and because of this, their car insurance rates are much higher.
- Use one insurance company and save – Most major insurers allow better rates to clients that buy multiple policies in the form of a multi-policy discount. Discounts can amount to ten or even fifteen percent. Even if you qualify for this discount already, you still need to get quotes from other companies to verify if the discount is saving money.
- Poor credit rating equals high costs – Having a bad credit rating will be a significant factor in determining premium rates. Consumers who have excellent credit tend to be less risk to insure as compared to drivers with poor credit scores. If your credit score is lower than you’d like, you may save money insuring your Chevrolet Cruze by improving your rating.
- Lower miles driven equals lower premium – The more you drive every year the more it will cost to insure it. The majority of insurers calculate rates based upon how you use the vehicle. Cars and trucks that sit idle most of the time can get a lower rate than vehicles that have high annual mileage. It’s a good idea to make sure your vehicle rating is showing the proper vehicle usage, because improper ratings can cost you money. An incorrectly rated Cruze can result in significantly higher rates.
Brand name doesn’t guarantee savings
Texas consumers can’t get away from ads for cheaper car insurance from companies such as Progressive, GEICO, Allstate and State Farm. They all seem to say the same thing about savings just by moving to their company.
It sounds good, but how can they all cost less than your current company? It’s all in how they say it.
All companies quote their best rates for the type of customer they prefer to insure. A good example of this type of risk profile should be over the age of 45, has no prior claims, and has a short commute. Anybody who matches those parameters gets the lowest prices and is almost guaranteed to save a lot of money.
Insureds who fall outside the requirements will get higher rates and business going elsewhere. If you pay attention, the ads say “customers who switch” not “all people who quote” save that kind of money. That’s why insurance companies can confidently lure you into getting a quote. This really illustrates why drivers must do a rate comparison at every renewal. Because you never know which company will have the lowest rates.
Smart shoppers get results
While you’re price shopping online, you should never sacrifice coverage to reduce premiums. Too many times, an accident victim reduced full coverage only to discover later that their decision to reduce coverage ended up costing them more. Your aim should be to find the BEST coverage for the lowest price while still protecting your assets.
We just showed you a lot of tips how to save on Chevy Cruze insurance. The key thing to remember is the more rate quotes you have, the better your comparison will be. Consumers could even find that the lowest auto insurance rates are with a lesser-known regional company. Some small companies can often insure niche markets at a lower cost compared to the large companies like Progressive and GEICO.
More tips and info about car insurance can be read at the Texas Department of Insurance website. Visitors are able to find out which companies have the most complaints, view agent and company licensing information, and download brochures.
The following information may also be useful.