Five Minute Guide for Finding the Best Chevy Cobalt Insurance

Searching for cheaper insurance for a Chevy Cobalt can be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to compare car insurance rates so we’re going to tell you the quickest way to quote coverages for a new or used Chevy and get the best price possible either online or from local insurance agents.

Smart consumers take time to do rate comparisons quite often because car insurance rates are constantly changing. Even if you think you had the lowest premium rates for Cobalt coverage a few years ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because you’re about to find out how to quote online to buy cheaper car insurance.

Buy car insurance online

The are a couple different ways to compare quotes from many car insurance companies in your state. The best way to compare Chevy Cobalt insurance prices is to use the internet to compare rates. It is quite easy and can be accomplished in several different ways.

1. If you’re in a hurry, the quickest way to get quotes for comparison would be an industry-wide quote request form click here to open form in new window. This style of form saves time by eliminating separate quotation requests for each company you want a rate for. A single form gets coverage cost estimates direct from many companies. It’s definitely the quickest method.
2. A more time consuming way to shop for car insurance online is spending the time to visit each company’s website and complete a new quote form. For example, let’s say you want comparison quotes from GEICO, Safeco and Allstate. To find out each rate you need to go to every website and enter your policy data, and that explains why we recommend the first method.

   To view a list of companies in your area, click here.

3. The least recommended way to get rate quotes is physically going to all the different insurance agencies. Comparing rate quotes online eliminates the need for an insurance agent unless you prefer the guidance of a licensed agent. Although, it is possible compare the best prices online but purchase the actual policy in an agency.

It doesn’t matter which method you choose, just make sure you compare the exact same coverage data on every quote. If you enter higher or lower deductibles it’s not possible to make a fair comparison for your Chevy Cobalt. Having just a slight variation in insurance coverages or limits can mean a large discrepancy in price. It’s important to know that comparing more rates from different companies increases your odds of finding better pricing. Some insurance companies are not set up to provide online rate quotes, so it’s important to also get price quotes from them as well.

You are unique and your car insurance should be too

When choosing adequate coverage, there really is not a cookie cutter policy. Every insured’s situation is different.

For instance, these questions could help you determine whether your personal situation will benefit from professional help.

• Does my Chevy Cobalt qualify for pleasure use?
• What if I don’t agree with a claim settlement offer?
• Do I need higher deductibles?
• Is business equipment covered while in my vehicle?
• When should I drop full coverage on my Chevy Cobalt?
• Does my policy cover my teen driver if they drive my company car?
• Why am I required to buy high-risk coverage?
• Am I covered when using my vehicle for business?
• When should I not file a claim?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an agent. To find an agent in your area, complete this form.

Captive or independent car insurance agents

Many people would rather buy from a licensed agent and doing that can be a smart decision An additional benefit of price shopping on the web is you may find cheap car insurance rates and still buy from a local agent.

By using this simple form, your insurance coverage information is immediately sent to participating agents that give free quotes to get your business. It simplifies rate comparisons since you won’t have to leave your house as quotes are delivered to you directly. It’s the lowest rates AND an agent nearby. If you need to compare rates for a specific company, feel free to find their quoting web page and fill out the quote form the provide.

Choosing a provider needs to be determined by more than just the premium amount. Any agent should be forthright in answering these questions:

• Do they feel the quoted coverages are adequate?
• If you have an accident, will your rates go up?
• Will they make sure you get an adequate claim settlement?
• Where would glass claims be handled?
• Do they have 24-hour customer assistance?
• What will you get paid if your car is a total loss? How is that amount determined?
• Will their companies depreciate repairs to your car based on the mileage?

If you prefer to buy car insurance from a reliable agent, you must know there are a couple different agency structures and how they work. Car insurance agents are categorized either independent (non-captive) or captive.

Captive Car Insurance Agents

These agents can only place business with one company like Allstate, State Farm and Farmers Insurance. They usually cannot give you multiple price quotes so they are skilled at selling on more than just price. Captive agents receive a lot of sales training on the products they sell and that can be a competitive advantage. Consumers sometimes buy from the same agent for years partially due to the brand and the convenience of having all coverages with one company.

Independent Insurance Agents

Agents in the independent channel do not work for one specific company so they can quote policies through many companies and get the cheapest rates. To move your coverage to a new company, the agent simply finds a different carrier and you don’t have to do anything.

If you need cheaper car insurance rates, we recommend you get quotes from a couple of independent agencies for maximum quote selection. Most can insure with small mutual carriers that may provide cheaper car insurance rates.

To view insurance agencies in your area, see this complete selection of insurance agents.