Being forced to pay for high-priced insurance premiums can dry up your family's budget and force you to cut corners elsewhere. Shopping your coverage around is a fast and free way to lower your monthly bill.
Unbelievably, about 70% of customers have stayed with the same insurance company for over three years, and approximately 40% of consumers have never shopped around. Many consumers in the United States can cut their rates by up to $860 a year just by getting comparison quotes, but they mistakenly think it's difficult to save money by comparing rate quotes.
Numerous insurance companies battle for your business, and it can be difficult to compare rates to find the absolute cheapest price on Chevy Cruze insurance in Philadelphia.
You need to price shop coverage before your policy renews because insurance prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest rates on Chevy Cruze insurance in Philadelphia a few years ago there is a good chance you can find better rate quotes now. Ignore everything you know about insurance because you're about to learn one of the quickest ways to buy cheaper Chevy Cruze insurance in Philadelphia.
When shopping for Chevy Cruze insurance in Philadelphia there are multiple ways to compare rate quotes from many available insurance companies in Pennsylvania. The easiest way by far to do a complete rate comparison is to jump online and get quotes.
Getting free price quotes online is quite simple, and it takes the place of having to drive around to all the different insurance agencies. Comparing Chevy Cruze insurance rate quotes online eliminates the middleman unless you have a complicated situation and need the professional assistance that only a licensed agent can provide. Some companies do allow you to comparison shop your insurance online but have a local agent actually write the policy. When quoting insurance, remember that obtaining a wide range of quotes will improve the odds of getting better pricing.
The companies shown below are ready to provide price comparisons in Pennsylvania. If the list has multiple companies, it's highly recommended you visit several of them in order to get a fair rate comparison.
Cheaper rates with these eight discounts
Not many people think insurance is cheap, but companies offer discounts that can dramatically reduce your bill. Larger premium reductions will be automatically applied when you purchase, but less common discounts must be inquired about prior to receiving the credit.
- Good Student Discount - Performing well in school can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.
- Active Military Service - Having a family member in the military could be rewarded with lower premium rates.
- Drivers Education - Make teen driver coverage more affordable by requiring them to successfully take a driver's education course as it can save substantially.
- Anti-lock Brake Discount - Cars, trucks, and SUVs equipped with ABS or steering control are safer to drive and earn discounts up to 10%.
- No Claim Discounts - Philadelphia drivers who stay claim-free have much lower rates in comparison with policyholders that have many claims.
- Use Seat Belts - Requiring all passengers to use their safety belts can save a little off PIP or medical payments premium.
- Life Insurance - Not all car insurance companies offer life insurance, but some may give you a discounted rate on car insurance if you buy auto and life insurance together.
- Senior Citizens - Drivers over the age of 55 could receive reduced rates.
As a disclaimer on discounts, most credits do not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like comp or med pay. Even though the math looks like you could get a free car insurance policy, you won't be that lucky. Any qualifying discounts will help lower the amount you pay for coverage.
To locate insurance companies with the best discounts in Philadelphia, click this link.
Are insurance agencies a thing of the past?
A lot of people would prefer to visit with an insurance agent and we recommend doing that The best thing about comparing rate quotes online is the fact that drivers can get lower car insurance rates and still buy from a local agent. Buying insurance from local agencies is still important in Philadelphia.
After completing this form (opens in new window), your insurance data is submitted to insurance agents in Philadelphia who will return price quotes for your auto insurance coverage. You won't need to drive around since rate quotes are delivered to your email. You can get cheaper auto insurance rates without requiring a lot of work. In the event you want to compare rates from a specific insurance company, don't hesitate to find their quoting web page and give them your coverage information.
If you prefer to buy auto insurance from a local Philadelphia insurance agent, you must know there are a couple different agency structures and how they function. Philadelphia agents are classified as either independent agents or exclusive agents depending on their employer.
Independent Auto Insurance Agencies
Independent agents are not restricted to one company so they can quote policies with a variety of different insurance companies depending on which coverage is best. If they find a cheaper price, your agent can just switch to a different company which makes it simple for you. If you are comparing auto insurance prices, you will want to get some free quotes from at least one independent agent to get the most accurate price comparison.
Listed below is a short list of independent insurance agencies in Philadelphia who may be able to give you price quote information.
These type of agents work for only one company such as Allstate, State Farm and Farm Bureau. Exclusive agencies are unable to provide prices from multiple companies so always compare other rates. These agents are very knowledgeable on the products they sell which helps them sell insurance even at higher premiums.
The following are exclusive agents in Philadelphia who can help you get comparison quotes.
Finding the right insurance agency is decision based upon more than just the quoted price. The following questions are important to ask.
- Will the company cover a rental car if your car is getting fixed?
- Do you need full coverage on every vehicle?
- Do they assist clients in filing claims?
- Is the agent CPCU or CIC certified?
- How much training do they have in personal risk management?
Your situation helps dictate your coverage
Always remember that when buying the right insurance coverage, there really is not a "best" method to buy coverage. Your financial needs are unique.
Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.
- Who sells insurance for high-risk drivers?
- How can I force my company to pay a claim?
- Does my policy pay for OEM or aftermarket parts?
- Am I covered if I wreck a rental car?
- What is GAP insurance?
- Exactly who is provided coverage by my policy?
- Is my Chevy Cruze covered if I use it for business?
If it's difficult to answer those questions, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.
Learn about auto insurance coverages for a Chevy Cruze
Understanding the coverages of your auto insurance policy can help you determine the best coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.
Coverage for uninsured or underinsured drivers
This coverage provides protection when other motorists are uninsured or don't have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Chevy Cruze.
Due to the fact that many Pennsylvania drivers only carry the minimum required liability limits (which is 15/30/5), their liability coverage can quickly be exhausted. So UM/UIM coverage is very important. Frequently these limits do not exceed the liability coverage limits.
Liability auto insurance
This protects you from damage or injury you incur to other people or property. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 15/30/5 that means you have $15,000 bodily injury coverage, a per accident bodily injury limit of $30,000, and property damage coverage for $5,000. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.
Liability can pay for claims like repair costs for stationary objects, emergency aid, medical expenses, attorney fees and bail bonds. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford. Pennsylvania requires drivers to carry at least 15/30/5 but you should think about purchasing better liability coverage.
The chart below shows why buying the state minimum limits may not be enough.
Coverage for medical expenses
Med pay and PIP coverage provide coverage for expenses such as dental work, EMT expenses, surgery and doctor visits. 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 you and your occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible
Comprehensive auto insurance
Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as rock chips in glass, a tree branch falling on your vehicle and a broken windshield. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if it's not worth much more than your deductible it's probably time to drop comprehensive insurance.
Coverage for collisions
Collision insurance pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.
Collision coverage pays for claims like colliding with another moving vehicle, crashing into a ditch, driving through your garage door and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It's also possible to increase the deductible on your Cruze in order to get cheaper collision rates.
A conclusion for your insurance search
As you quote Philadelphia car insurance, never buy less coverage just to save a little money. There have been many cases where consumers will sacrifice collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your aim should be to purchase plenty of coverage for the lowest cost while not skimping on critical coverages.
Affordable Chevy Cruze insurance in Philadelphia is definitely available online and from local agencies, and you need to comparison shop both to have the best selection. A few companies do not provide online quoting and usually these smaller companies only sell coverage through independent insurance agents.
In this article, we covered many ways to find affordable Chevy Cruze insurance in Philadelphia. It's most important to understand that the more you quote Philadelphia car insurance, the better chance you'll have of finding cheaper Philadelphia car insurance quotes. You may even find the most savings is with a company that doesn't do a lot of advertising.
For more information, feel free to browse the following helpful articles:
- Your Car has been Stolen: Now What? (Allstate)
- How Much is Car Insurance for Drivers with Bad Credit in Philadelphia? (FAQ)
- What Car Insurance is Cheapest for a Ford Explorer in Philadelphia? (FAQ)
- What Auto Insurance is Cheapest for College Graduates in Philadelphia? (FAQ)
- What is the Cheapest Car Insurance in Philadelphia, Pennsylvania? (FAQ)
- Vehicle Safety Ratings (iihs.org)
- Car Insurance for Teen Drivers with Divorced Parents (Allstate)