10 Discounts Drivers Neglect when Buying Insurance for a Chevy Celebrity

Drivers have lots of choices when trying to find the lowest priced Chevy Celebrity insurance. You can either waste hours driving around trying to get quotes or save time using the internet to compare rates.

There are both good and bad ways to buy auto insurance and you need to know the absolute fastest way to get price quotes on a Chevy and locate the cheapest rates either online or from local insurance agents.

The purpose of this post is to familiarize you with how to effectively get price quotes. If you currently have car insurance, you will be able to reduce your rates substantially using this strategy. But vehicle owners need to learn how companies sell insurance online because it can help you find the best coverage.

How to Lower Your Auto Insurance Cost

All major auto insurance companies like 21st Century, Allstate and State Farm provide insurance quotes online. Getting online quotes is pretty easy as you simply type in into a form. Behind the scenes, their rating system requests information on your driving record and credit history and gives you a price quote based on these factors.

This streamlines rate comparisons, but the work required to visit many different websites and enter the same data into a form can be a bit repetitive. But it’s very important to do this if you are searching for a better rate.

The smarter way to compare rates uses one simple form to obtain quotes from multiple companies. The form is fast, reduces the work, and makes quoting online much more enjoyable and efficient. After sending the form, your coverage is rated and you can choose any of the price quotes you receive.

If a lower price is quoted, you simply finish the application and purchase the new policy. This process takes less than 15 minutes and may save quite a bit of money.

To save time and fill out one form to compare multiple rates now, click here and complete the simple form. If you have a policy now, it’s recommended that you enter just like they are on your policy. This guarantees you will have a fair comparison using the same coverage and limits.

Is there deception in advertising?

Auto insurance companies such as 21st Century, Allstate and State Farm continually stream ads in print and on television. They all seem to have a common claim of big savings after switching to them. How do they all make the same claim?

All the different companies have a preferred profile for the type of customer they prefer to insure. An example of a driver they prefer could be over the age of 40, has no driving citations, and has excellent credit. A driver who meets those qualifications will get very good rates and therefore will save when switching.

Potential customers who don’t qualify for these standards will have to pay a more expensive rate which leads to business going elsewhere. The ads state “customers that switch” not “everyone that quotes” save money. This is how insurance companies can confidently advertise the way they do.

Because of the profiling, you absolutely need to get as many quotes as possible. It is impossible to predict which company will give you the biggest savings.

Take advantage of discounts

Insurance can cost an arm and a leg, but there are discounts available to reduce the price significantly. Larger premium reductions will be automatically applied at the time of quoting, but some may not be applied and must be asked about prior to receiving the credit.

Employee of Federal Government – Active or retired federal employment may qualify you for a discount for Celebrity coverage with select insurance companies.
New Car Discount – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
Early Signing – Some insurance companies reward drivers for switching to them before your current expiration date. This can save 10% or more.
Seat Belts Save – Drivers who require all occupants to use their safety belts could save 15% off the personal injury premium cost.
Life Insurance Discount – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.
Senior Citizens – If you qualify as a senior citizen, you may be able to get better auto insurance rates for Celebrity coverage.
Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
Drivers Education – Make teen driver coverage more affordable by requiring them to take driver’s ed class if it’s offered in school.
Low Mileage Discounts – Low mileage vehicles could qualify for a substantially lower rate.
No Claims – Claim-free drivers pay less when compared to drivers who are more careless.

It’s important to understand that most discount credits are not given to the overall cost of the policy. Some only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates all the discounts add up to a free policy, companies don’t profit that way. Any qualifying discounts will bring down the cost of coverage.

What happened to insurance agents?

Certain consumers would prefer to visit with an insurance agent and that is just fine! The biggest benefit of comparing rates online is that you can obtain better rates and still choose a local agent. And supporting local businesses is important particularly in smaller rural communities. insurance banner

For easy comparison, once you complete this form (opens in new window), the quote information is immediately sent to local insurance agents who will return price quotes for your business. There is no reason to visit any agencies as quotes are delivered directly to your email. It doesn’t get any easier! Get lower rates and an insurance agent to talk to.

Captive agents vs. Independent agents

If you’re trying to find a reliable agent, you must know there are a couple different agency structures from which to choose. agents are classified as either captive or independent (non-captive).

Independent Agencies or Brokers

These agents do not work for one specific company so they can insure your vehicles amongst many companies enabling the ability to shop coverage around. To move your coverage to a new company, the agent simply finds a different carrier and you won’t have to switch agencies.

When comparing rates, it’s recommended you include at least one independent agent to get the best comparison. Many write coverage with smaller companies who may have lower rates.

Captive Agents

This type of agents work for only one company like Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to provide prices from multiple companies so it’s a take it or leave it situation. These agents are very knowledgeable in insurance sales which helps them compete with independent agents. Consumers often purchase coverage from captives primarily because of loyalty to the company and the convenience of having a single billing for all their coverages.

For a full directory of agencies, visit this site.

Choosing an auto insurance agent requires more thought than just the bottom line cost. Here are some questions to ask:

Is the agent and/or agency licensed to do business in your state?
Are there any discounts that you might be missing?
What will you get paid if your car is a total loss? How is that amount determined?
Does the agency have a good rating with the Better Business Bureau?
Do they carry Errors and Omissions coverage?

Once you have acceptable answers for all questions you ask in addition to an acceptable price estimate, it’s possible that you found an insurance agency that will provide auto insurance coverage.

Specific coverage details

Knowing the specifics of auto insurance helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Collision coverages – This coverage will pay to fix damage to your Celebrity from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, hitting a parking meter, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Medical expense coverage – Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for X-ray expenses, prosthetic devices and surgery. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Auto liability – This provides protection from injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which combines the three limits into one amount rather than limiting it on a per person basis.

Liability insurance covers claims such as pain and suffering, legal defense fees, repair bills for other people’s vehicles, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Comprehensive protection – This pays to fix your vehicle from 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 coverage pays for things like falling objects, a broken windshield, rock chips in glass, vandalism and hitting a deer. The most a auto insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Chevy Celebrity.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.

More effort can pay off

We just showed you many tips how you can compare Chevy Celebrity insurance prices online. 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 discover the best prices are with the smaller companies.

When trying to cut insurance costs, make sure you don’t skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice liability limits or collision coverage to discover at claim time that saving that couple of dollars actually costed them tens of thousands. Your focus should be to find the BEST coverage at the best price, not the least amount of coverage.

Lower-priced Chevy Celebrity insurance can be sourced both online and also from your neighborhood agents, and you need to price shop both to have the best selection. A few companies may not provide you the ability to get quotes online and most of the time these smaller companies sell through independent agents.