Trying to find the cheapest insurance for a Chevy SS in Florida can be an all-consuming task, but you can use our car insurance buying tips to save time. There is a better way to shop for car insurance and you need to know the quickest way to price shop coverage for your Chevy and obtain the cheapest rates from Orlando insurance agents and online providers.
Consumers need to compare premium rates before your next renewal because prices change regularly. If you had the best rate on Chevy SS insurance in Orlando two years ago other companies may now be cheaper. There are a lot of ways to save on SS insurance online, but we’re going to give you the best ways to stop overpaying for insurance in Orlando.
If you have a current insurance policy or are shopping for new coverage, you can learn to shop for the lowest rates and possibly find even better coverage. Buying the lowest-priced insurance in Orlando is not as hard as you may think. Drivers just need to use the quickest way to compare different rates instantly.
Determine discounts to get cheap Orlando car insurance rates
Car insurance is not cheap nor is it fun to buy but you might be missing out on some discounts that many consumers don’t even know exist. A few discounts will be applied when you get a quote, but some discounts are required to be specially asked for in order for you to get them.
- Onboard Data Collection – People who choose to allow driving data submission to spy on driving manner remotely such as Snapshot from Progressive or Drivewise from Allstate could possibly reduce rates if they have good driving habits.
- Discount for Life Insurance – If the company offers life insurance, you could get a small discount if you purchase a life policy as well.
- Use Seat Belts – Drivers who always wear seat belts and also require passengers to buckle up before driving could cut 10% or more off the PIP or medical payment premium.
- Homeowners Savings – Owning a home in Orlando may earn you a small savings because of the fact that having a home means you have a higher level of financial diligence.
- College Student Discount – Children living away from Orlando attending college without a vehicle on campus may be insured at a cheaper rate.
- Driver’s Ed – Require your teen driver to enroll in driver’s education in school or through a local driver safety program.
As is typical with insurance, most discount credits are not given to the entire cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, it’s just not the way it works.
Large car insurance companies and their offered discounts include:
- State Farm offers discounts for student away at school, driver’s education, multiple policy, defensive driving training, accident-free, multiple autos, and passive restraint.
- GEICO has discounts for federal employee, multi-vehicle, defensive driver, daytime running lights, good student, and seat belt use.
- Allstate includes discounts for EZ pay plan discount, new car, good payer, anti-lock brakes, defensive driver, resident student, and multi-policy.
- SAFECO has savings for anti-theft, drive less, teen safe driver, anti-lock brakes, bundle discounts, and teen safety rewards.
- Farm Bureau may have discounts that include youthful driver, driver training, good student, 55 and retired, renewal discount, and safe driver.
- Progressive offers discounts including online signing, good student, continuous coverage, multi-vehicle, and online quote discount.
- AAA may include discounts for pay-in-full, multi-car, AAA membership discount, anti-theft, multi-policy, good student, and good driver.
If you want affordable Chevrolet SS insurance quotes, ask all the companies which discounts you qualify for. Depending on the company, some discounts may not apply to policies in your state. For a list of companies who offer car insurance discounts in Orlando, click here.
Auto insurance coverages 101
Having a good grasp of your policy aids in choosing the right coverages and the correct deductibles and limits. Auto insurance terms can be difficult to understand and even agents have difficulty translating policy wording. These are typical coverages found on most auto insurance policies.
Uninsured or underinsured coverage
Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Since many Florida drivers carry very low liability coverage limits (which is 10/20/10), it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.
Liability auto insurance
This provides protection from damage that occurs to other people or property. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 10/20/10 which means a $10,000 limit per person for injuries, $20,000 for the entire accident, and $10,000 of coverage for damaged property.
Liability coverage pays for things like court costs, funeral expenses, loss of income and emergency aid. How much liability should you purchase? That is up to you, but you should buy as high a limit as you can afford. Florida requires drivers to carry at least 10/20/10 but you should think about purchasing more coverage.
The illustration below demonstrates why buying minimum limits may not be enough.
Medical expense coverage
Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like EMT expenses, pain medications, prosthetic devices and hospital visits. They are used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP is not an option in every state and gives slightly broader coverage than med pay
This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive insurance covers claims like damage from getting keyed, vandalism, rock chips in glass and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
This covers damage to your SS from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision can pay for claims such as sustaining damage from a pot hole, sideswiping another vehicle, hitting a parking meter and backing into a parked car. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to bump up the deductible on your SS to save money on collision insurance.
Affordable auto insurance rates are out there
Throughout this article, we presented a lot of ways to find cheap Chevy SS insurance in Orlando. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest premium rates come from a small local company. Some small companies may only write in your state and offer lower prices compared to the large companies like State Farm, GEICO and Nationwide.
When shopping online for auto insurance, make sure you don’t reduce needed coverages to save money. There are many occasions where drivers have reduced liability limits or collision coverage only to find out that they should have had better coverage. Your focus should be to buy a smart amount of coverage at the lowest possible cost while still protecting your assets.
How to find lower priced Chevy SS insurance in Orlando
It takes a few minutes, but the best way to find more affordable Chevy SS insurance is to make a habit of regularly comparing prices from insurance carriers in Orlando.
Step 1: Gain an understanding of the coverage provided by your policy and the things you can control to lower rates. Many factors that result in higher rates such as inattentive driving and an imperfect credit history can be controlled by paying attention to minor details.
Step 2: Compare rates from direct carriers, independent agents, and exclusive agents. Direct companies and exclusive agencies can provide rates from one company like Progressive or Farmers Insurance, while agents who are independent can give you price quotes for a wide range of insurance providers.
Step 3: Compare the new rates to the price on your current policy to see if switching to a new carrier will save money. If you can save money and make a switch, make sure there is no lapse between the expiration of your current policy and the new one.
An essential thing to point out is to make sure you enter similar coverage information on each price quote and and to get prices from every insurance company. Doing this enables an apples-to-apples comparison and plenty of rates choose from.
To read more, feel free to visit these articles:
- What is Full Coverage? (Allstate)
- Who Has Affordable Orlando Car Insurance Rates for Real Estate Agents? (FAQ)
- How Much are Auto Insurance Rates for 19 Year Olds in Orlando? (FAQ)
- Protecting Teens from Drunk Driving (Insurance Information Institute)
- Determining Auto Insurance Rates (GEICO)
- What is Covered by an Auto Insurance Policy? (Insurance Information Institute)
- Prepare your Teens for Safe Driving (InsureUonline.org)