Chevy Captiva Sport Owners Uncover How to Cut Their Car Insurance Rates

Are you sick and tired of not being able to scrape enough together to pay car insurance each month? Your situation is no different than many other consumers. You have so many insurance companies to insure vehicles with, and although it’s a good thing to have a choice, so many choices can make it hard to compare rates.

Get lower-cost car insurance with discounts

The price of auto insurance can be rather high, but there’s a good chance there are discounts to help offset the cost. Many of these discounts will be applied automatically when you quote, but some need to be asked about before you get the savings.

• Paperless Signup – Some car insurance companies give back up to $50 for buying your policy online.
• Sign Early and Save – Select insurance companies give a discount for switching policies prior to the expiration date on your current policy. You can save around 10% with this discount.
• College Student Discount – Any of your kids who attend college more than 100 miles from home and don’t have a car can be insured at a reduced rate.
• Discount for New Cars – Buying a new car model can save up to 30% due to better safety requirements for new vehicles.
• Cautious Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates on Captiva Sport insurance than less cautious drivers.

While discounts sound great, it’s important to understand that most discount credits are not given to the entire policy premium. The majority will only reduce individual premiums such as comprehensive or collision. Just because it seems like you would end up receiving a 100% discount, you aren’t that lucky.

Companies and some of the premium reductions they offer are included below.

• Progressive offers discounts for multi-policy, homeowner, good student, multi-vehicle, and online quote discount.
• GEICO offers discounts including good student, air bags, daytime running lights, seat belt use, driver training, multi-policy, and defensive driver.
• State Farm policyholders can earn discounts including Steer Clear safe driver discount, driver’s education, safe vehicle, good driver, and multiple policy.
• Esurance offers premium reductions for DriveSense, multi-policy, emergency road assistance, defensive driver, paid-in-full, Pac-12 alumni, and anti-theft.
• The Hartford includes discounts for good student, air bag, vehicle fuel type, driver training, and anti-theft.

If you want , ask each insurance company to apply every possible discount. Some credits may not be available in your state. To choose insurers with the best discounts, click here to view.

How to buy car insurance online

Performing a rate comparison can be exhausting if you don’t utilize the most efficient way. You could waste time driving to insurance companies in your area, or you can utilize online quoting to maximize your effort.

Many of the larger companies participate in an industry program where prospective buyers enter their policy data once, and each participating company returns a rated price based on the submitted data. This eliminates the need for quote forms for each company you want a rate for.

To enter your information into the quoting system, click here (opens in new window).

The only downside to using this type of form is that consumers can’t choose the companies to get quotes from. So if you prefer to pick specific insurance companies to compare, we put together a list of car insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just be sure to compare exactly the same coverages and limits for each comparison quote. If you are comparing differing limits it will be impossible to make a fair comparison for your Chevy Captiva Sport.

Your situation helps dictate your coverage

When it comes to buying proper insurance coverage, there is no perfect coverage plan. Everyone’s situation is a little different so this has to be addressed. For instance, these questions may help you determine whether or not you would benefit from professional advice.

• Does my personal auto insurance policy cover using my vehicle for business use?
• Should I buy additional glass protection?
• When does my teenage driver need to be added to my policy?
• Should I buy more coverage than the required minimum liability coverage?
• Am I covered when pulling a rental trailer?
• Does my car insurance cover rental cars?
• Am I getting all the discounts available?
• What can I do if my company denied a claim?
• Should I rate my Chevy Captiva Sport as pleasure use or commute?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Persistence pays off

You just read many ways to save on Chevy Captiva Sport insurance. The key thing to remember is the more quotes you get, the more likely it is that you will get a better rate. You may even find the best price on car insurance is with a lesser-known regional company. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

While you’re price shopping online, make sure you don’t buy less coverage just to save a little money. In too many instances, someone sacrificed physical damage coverage and found out when filing a claim that it was a big mistake. The ultimate goal is to find the BEST coverage at the best cost while not skimping on critical coverages.

Some car insurance companies may not have rate quotes online and most of the time these smaller providers prefer to sell through independent agents. More affordable car insurance can be purchased from both online companies in addition to many insurance agents, so compare prices from both in order to have the best price selection to choose from.