Scraping up a payment for expensive Chevrolet Cruze insurance in Philadelphia can overdraw your checking account and make it tough to pay other bills. Comparing rate quotes can help to tighten up your finances.
Sadly, over 70% of drivers kept buying from the same company for well over three years, and roughly 40% of drivers have never even shopped around for lower-cost coverage. Many consumers in Philadelphia could save almost 55% every year just by shopping around, but they underestimate how much savings they would realize if they switched to a more affordable policy.
Due to the large number of insurance companies to choose from that have affordable insurance for a Chevy Cruze in Philadelphia, it can be challenging to locate the best insurance company.
Just remember that comparing more rates from different companies will improve the odds of getting more affordable rates.
The providers in the list below have been selected to offer free quotes in Philadelphia, PA. If multiple companies are listed, we recommend you visit as many as you can in order to find the most affordable rates.
Discounts mean cheaper rates for Chevy Cruze insurance in Philadelphia
Auto insurance is not an enjoyable expense, but you might find some hidden discounts that can drop the cost substantially. Some of these discounts will be visible when you purchase, but occasionally some discounts must be requested specifically prior to receiving the credit. If you do not check that you are getting every discount you qualify for, you could be getting lower rates.
- Bundled Policy Discount - If you have multiple policies with one company you may save up to 20% and get you affordable Chevrolet Cruze insurance rates in Philadelphia.
- Discounts for Multiple Vehicles - Buying coverage for multiple vehicles on one policy can reduce the rates for all insured vehicles.
- Auto/Life Discount - Select insurance carriers reward you with a discounted price on car insurance if you buy auto and life insurance together.
- Anti-theft System - Anti-theft and alarm system equipped vehicles can help prevent theft and will save you 10% or more on Cruze insurance in Philadelphia.
- Resident Student - Youth drivers who are enrolled in a college that is more than 100 miles from Philadelphia and do not have access to a covered vehicle could get you a discount.
- Drive Safe and Save - Insureds who avoid accidents may save up to 50% more than their less cautious counterparts.
- Driver Education Discount - Require your teen driver to complete a driver education course in high school.
- Early Switch Discount - Some insurance companies reward drivers for signing up before your current Cruze insurance policy expires. You may see this discount when you get Philadelphia auto insurance quotes online.
It's important to understand that most of the big mark downs will not be given to the overall cost of the policy. Most only cut individual premiums such as liability and collision coverage. Just because it seems like you could get a free auto insurance policy, it doesn't quite work that way.
For a list of auto insurance companies who offer free Chevy Cruze insurance quotes in Pennsylvania, click here.
Why You Might Pay Increased Rates in Philadelphia
Many factors are part of the calculation when premium rates are determined. Some of the criteria are obvious such as your driving record, but some are not as apparent like your continuous coverage or your commute time. One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that come into play when calculating the price you pay for auto insurance. When you know what positively or negatively controls the rates you pay, this allows you to make educated decisions that could help you find much lower annual insurance costs.
No coverage gaps is important - Going without insurance is a fast way to increase your renewal premiums. In addition to paying higher premiums, not being able to provide proof of insurance may earn you a revoked license or a big fine. You may then have to submit proof of financial responsibility or a SR-22 with the Pennsylvania department of motor vehicles.
Does your occupation cost you more? - Did you know your occupation can influence how much you pay for auto insurance? Occupations like real estate brokers, airline pilots, and stock brokers tend to pay the highest average rates due to high stress and extremely grueling work hours. Other jobs such as farmers, engineers and performers generally pay rates lower than average.
Bump up comp and collision deductibles to lower rates - The deductibles you choose define the amount you are willing to pay if a covered claim is submitted. Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your car from damage. A few examples of covered claims could be colliding with a stationary object, vandalism, or theft of your vehicle. The more you are required to pay out-of-pocket, the bigger discount you will receive.
Insurance rates and vehicle performance - The performance of the car you are insuring makes a huge difference in your car insurance bill. The lowest base rates are usually found on smaller low performance passenger cars, but other factors influence the final cost greatly. Due to the fact that the Chevrolet Cruze falls in the passenger car class, insuring your vehicle will cost similar in price or lower compared to average rates in Philadelphia.
Remove unneeded extra coverages - There are a lot of additional extra coverages you can purchase if you aren't diligent. Coverages like rental car reimbursement, accidental death, and extra equipment coverage could be just wasting money. These may sound like a good investment when discussing your needs, but your needs may have changed so consider taking them off your policy.
Filing claims can cost you - If you are a frequent claim filer, don't be surprised to see increased rates or even have your policy non-renewed. Companies in Pennsylvania provide better rates to people who are not frequent claim filers. Auto insurance is meant to be used in the event of claims that you cannot pay yourself.
Defend yourself with liability protection - Your auto insurance policy's liability coverage will provide protection if you are ruled to be at fault for personal injury or accident damage. Your liability coverage provides legal defense starting from day one. This coverage is relatively inexpensive as compared to coverage for physical damage, so buy as much as you can afford.
Insurance loss probability for a Chevy Cruze - Insurance companies factor in insurance loss information to help calculate premium rates. Models that historically have increased losses will have higher premium rates.
The table below illustrates the insurance loss data for Chevy Cruze vehicles. For each coverage type, the claim probability for all vehicles, without regard to make or model, is set at 100. Percentage numbers below 100 mean the vehicle has better than average losses, while numbers shown that are more than 100 point to more losses or statistically larger claims.
Chevrolet Cruze Insurance Claim Statistics
|Specific Chevrolet Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Neighborhood agents and car insurance
Many people prefer to sit down and talk to an agent and there is nothing wrong with that. The best thing about comparing rate quotes online is you may find cheap rate quotes but also keep your business local. Buying insurance from neighborhood insurance agencies is important particularly in Philadelphia.
To find an agent, once you fill out this form (opens in new window), your coverage information gets sent to local insurance agents who will give competitive quotes and help you find cheaper coverage. It makes it easy because there is no need to search for an agent due to the fact that quote results will go to you instantly. You can most likely find cheaper rates and a licensed agent to work with. If you need to get a price quote from a specific insurance company, feel free to jump over to their website and give them your coverage information.
If you need to find a reputable insurance agent or broker, it can be helpful to understand the different types of agencies and how they function. Car insurance agents in Philadelphia can be described as either independent agents or exclusive agents.
Agents that elect to be independent are not employed by any specific company so as a result can place your coverage with any number of different companies depending on which coverage is best. If you are not satisfied with one company, your agent can just switch to a different company without you having to go to a different agency. If you need cheaper car insurance rates, we highly recommend that you compare prices from several independent agencies to ensure the widest selection of prices.
Featured below is a short list of independent agencies in Philadelphia that can possibly get you comparison quotes.
Nationwide Insurance: Ferullo Insurance Agencies LLC
1636 S Front St - Philadelphia, PA 19148 - (215) 468-4116 - View Map
These type of agents work for only one company like State Farm, Allstate, and Farm Bureau. Exclusive agents are unable to compare rates from other companies so you need to shop around if the rates are high. Exclusive agents are trained well on what they offer which helps them sell insurance even at higher premiums.
The following are exclusive insurance agents in Philadelphia willing to provide price quotes.
Selecting an car insurance agent should include more criteria than just the bottom line cost. These questions are important to ask:
- Will they give you a referral list?
- What company do they have the most business with?
- Do they have cheaper tiers of coverage?
- Is there any savings for paying the full premium?
- Are they properly licensed to sell insurance in Pennsylvania?
- How much will you save each year by using a higher deductible?
- How long has their agency been open in Philadelphia?
- If independent agents, which companies do they recommend?
If you get satisfactory answers to any questions you have in addition to an acceptable price estimate, you've probably found an insurance agent that can properly insure your vehicles. It's important to know that consumers can cancel your coverage whenever you want so don't feel that you're stuck with a specific company for a certain time period.
Do I need special coverages?
Always remember that when buying insurance from an agent or online, there really isn't a perfect coverage plan. Every insured's situation is different and your insurance should be unique as well. Here are some questions about coverages that could help you determine if your insurance needs would benefit from professional advice.
- Am I covered when delivering products for my home-based business?
- Does my medical payments coverage pay my health insurance deductible?
- Is a fancy paint job covered?
- What is covered by UM/UIM coverage?
- Does my policy pay for OEM or aftermarket parts?
- Is my business laptop covered if it gets stolen from my vehicle?
- Is my babysitter covered when using my vehicle?
If you don't know the answers to these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier
The auto insurance bait and switch
Popular auto insurance providers such as GEICO, State Farm and Progressive continually stream ads in print and on television. They all make an identical promise that drivers will save a bundle just by switching your auto insurance coverage to their company. That's great but how can every company charge you a lower premium? You have to listen carefully.
Many companies quote their cheapest rates for the driver that will be a good risk. For instance, a profitable risk profile might be between 25 and 40, has had continuous coverage, and has a short commute. Any new insured who fits those characteristics will probably get the lowest prices and will most likely save if they switch.
People who are not a match for the ideal profile may receive higher rates which translates to the customer buying from someone else. The trick is to say "drivers who switch" not "all people who quote" save that much. This is how insurance companies can confidently advertise the savings.
Each company has different criteria, so you should compare rate quotes every year. It is impossible to guess with any certainty which company will have the lowest rates for your situation.
Persistence is the key to affordable rates
In this article, we covered some good ideas how you can lower your Chevy Cruze insurance rates in Philadelphia. It's most important to understand that the more price quotes you have, the higher your chance of finding cheaper Philadelphia auto insurance quotes. You may even be surprised to find that the lowest priced auto insurance comes from a small mutual company. Regional companies can often insure niche markets at a lower cost compared to the large companies like State Farm or Progressive.
Lower-priced auto insurance in Philadelphia is attainable from both online companies and with local Philadelphia insurance agents, and you should compare rates from both in order to have the best price selection to choose from. Some companies don't offer internet price quotes and most of the time these small, regional companies only sell coverage through independent insurance agents.
Even more information can be found at these sites:
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- What is the Cheapest Car Insurance in Bethel Park, PA? (FAQ)
- Who Has the Cheapest Auto Insurance for Retired Military in Pennsylvania? (FAQ)
- Who Has the Cheapest Car Insurance for Infrequent Drivers in Pennsylvania? (FAQ)
- How Much are Auto Insurance Rates for a Hyundai Elantra in Pennsylvania? (FAQ)
- What Car Insurance is Cheapest for Immigrants in Pennsylvania? (FAQ)
- Who Has Cheap Pennsylvania Car Insurance Quotes for Low Income Drivers? (FAQ)
- Older Driver Statistics (Insurance Information Institute)
- Information for Teen Drivers (GEICO)
- Coverage Information (Progressive Insurance)