Comparing and finding cheap coverage rates for Chevy Cruze insurance in Columbus may be kind of frustrating for drivers not familiar with online rate comparisons. Drivers have so many choices that it can quickly become a chore to find the perfect company for you.
It's amazing but the vast majority of consumers renewed their policy with the same company for well over three years, and about 40% of consumers have never shopped around. U.S. consumers could cut their rates by $860 a year, but they think it's difficult to do a rate comparison.
It's a good habit to check auto insurance prices before your next renewal because insurance prices trend upward over time. Just because you found the best deal on Chevy Cruze insurance in Columbus a couple years back you may be paying too much now. There are a lot of ways to save on Cruze insurance on the web, but you can learn a bunch of ideas how to lower your auto insurance premiums.
If you have a policy now, you stand a good chance to be able to buy cheaper car insurance using the concepts you're about to learn. Comparing quotes for affordable car insurance policy in Columbus is not as difficult as people think. Although Georgia consumers must comprehend the way insurance companies price insurance differently.
Compare quotes for Columbus Chevy Cruze insurance
When looking for the cheapest Chevrolet Cruze rate quotes, there are a couple ways to compare rate quotes from many available insurance companies in Georgia. The fastest way to find cheaper Chevy Cruze rates is to use the internet to compare rates.
Keep in mind that having more price comparisons helps improve the odds of finding more affordable rates.
The companies shown below can provide quotes in Georgia. If multiple companies are listed, it's a good idea that you compare several of them to get the best price comparison.
Reduce your insurance rates with these seven discounts
Some insurers do not list every discount they offer in an easy-to-find place, so the following list contains some of the more common as well as some of the hidden credits available to bring down your rates.
- Resident Student - College-age children who are enrolled in a college that is more than 100 miles from Columbus and do not take a car to college can receive lower rates.
- Buy New and Save - Buying a new car model is cheaper due to better safety requirements for new vehicles.
- Anti-lock Brake Discount - Cars, trucks, and SUVs that have anti-lock braking systems are safer to drive and will save you 10% or more on Cruze insurance in Columbus.
- Discount for Multiple Policies - When you have multiple policies with the same company you could save as much as 10 to 15 percent.
- Online Discount - Certain companies will give a small break for signing up on the internet.
- Air Bags and Passive Restraints - Factory air bags or motorized seat belts may get savings up to 30%.
- Theft Deterrent Discount - Anti-theft and alarm system equipped vehicles help deter theft and will qualify for a discount on a Columbus auto insurance quote.
One thing to note about discounts is that most credits do not apply to the whole policy. Most only apply to individual premiums such as comp or med pay. So when the math indicates it's possible to get free car insurance, nobody gets a free ride.
The best insurance companies and a summarized list of policyholder discounts are:
- The Hartford has discounts for vehicle fuel type, bundle, driver training, anti-theft, good student, and defensive driver.
- American Family may offer discounts for accident-free, air bags, good driver, early bird, TimeAway discount, and Steer into Savings.
- Progressive policyholders can earn discounts including online signing, multi-vehicle, good student, homeowner, continuous coverage, online quote discount, and multi-policy.
- Travelers may include discounts for student away at school, hybrid/electric vehicle, multi-car, new car, multi-policy, and continuous insurance.
- Farmers Insurance may have discounts that include teen driver, electronic funds transfer, switch companies, alternative fuel, homeowner, pay in full, and bundle discounts.
- USAA includes discounts for military installation, defensive driver, multi-policy, good student, and family discount.
- Liberty Mutual discounts include preferred payment discount, good student, new graduate, newly married, and multi-car.
Check with all companies you are considering which discounts they offer. Discounts may not apply to policyholders in Columbus.
Auto insurance in Georgia serves several purposes
Despite the high cost, buying auto insurance may be mandatory for several reasons.
- Almost all states have mandatory insurance requirements which means the state requires specific limits of liability insurance coverage if you want to drive legally. In Georgia these limits are 25/50/25 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If you have a loan on your Chevy, it's most likely the lender will stipulate that you carry insurance to guarantee payment of the loan. If you let the policy lapse, the bank will be required to insure your Chevy at a more expensive rate and require you to fork over for the much more expensive policy.
- Insurance protects not only your car but also your financial assets. Insurance will also pay for hospital and medical expenses for you, your passengers, and anyone else injured in an accident. Liability coverage also covers legal expenses if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, collision and comprehensive (also known as other-than-collision) coverage will cover the repair costs.
The benefits of insuring your car more than cancel out the cost, especially if you ever need it. As of last year, the average driver in Georgia is wasting up to $865 each year so compare rates at every policy renewal to ensure rates are inline.
Don't assume everyone needs the same auto insurance coverage
When buying insurance from an agent or online for your personal vehicles, there isn't really a one size fits all plan. Everyone's needs are different.
Here are some questions about coverages that could help you determine if your insurance needs would benefit from professional advice.
- Is my son or daughter covered when driving my car?
- Should I have a commercial auto policy?
- Is a blown tire covered by insurance?
- What can I do if my company denied a claim?
- Do I have coverage when making deliveries for my home business?
- Why am I be forced to buy a membership to get insurance from some companies?
- Am I covered if I have no license?
- Do I need an umbrella policy?
- Will filing a claim cost me more?
- Do I have ACV or replacement cost coverage?
If you don't know the answers to these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find an agent in your area, simply complete this short form.
Car insurance quotes from local Columbus insurance agencies
Many people prefer to go talk to an agent. One of the great benefits of comparing insurance prices online is that drivers can save money and get better rates and still have a local agent.
To find an agent, once you fill out this simple form, your insurance data is emailed to local insurance agents who want to provide quotes to get your business. It's much easier because you don't need to search for any insurance agencies because quoted prices will be sent directly to you. You can find lower rates and a licensed agent to work with. If you have a need to quote rates from a particular provider, you would need to navigate to their website and complete a quote there.
Selecting a company requires more thought than just the bottom line cost. You should also get answers to these questions.
- Is vehicle damage repaired with OEM or aftermarket parts?
- What insurance companies do they recommend if they are an independent agent?
- Where are claims handled?
- How many companies do they write for?
- Do they have designations such as AIC, CPCU, or CIC?
- Are there any discounts that you might be missing?
- Do they carry Errors and Omissions coverage?
- Which family members are covered?
If you would like to find local Columbus agents, it helps to know the two different types of agents from which to choose. Agencies in Columbus are either exclusive or independent.
Agents of this type can only place business with one company and examples are Farmers Insurance, State Farm, or Allstate. These agents are unable to provide rate quotes from other companies so if the price isn't competitive there isn't much they can do. Exclusive agencies receive a lot of sales training on the products they sell which helps offset the inability to provide other markets. Consumers sometimes buy from exclusive agents mostly because of the brand and the convenience of having a single billing for all their coverages.
The following is a short list of exclusive insurance agencies in Columbus that are able to give price quotes.
- Jay Lewis - State Farm Insurance Agent
1040 1st Ave - Columbus, GA 31901 - (706) 320-2015 - View Map
- Allstate Insurance: Jody Reese
4626 Miller Rd d - Columbus, GA 31909 - (706) 563-1371 - View Map
- State Farm: Jeff Krietemeyer
4264 Macon Rd - Columbus, GA 31907 - (706) 563-6993 - View Map
Independent Agencies or Brokers
Agents that choose to be independent are not limited to a single company so they can insure your vehicles with any number of different companies and find you cheaper rates. If they find a cheaper price, they can switch companies in-house which is easy for the insured.
When comparing rate quotes, we recommend you include price quotes from at least one independent agent to get the best comparison. Most independent agents also contract with companies you've never heard of which may provide better rates.
Shown below is a list of independent insurance agents in Columbus that can give you price quotes.
- Yates, Woolfolk and Turner Insurance
6001 River Rd #411 - Columbus, GA 31904 - (706) 571-0093 - View Map
- Cofield Insurance Agency
3985 Beallwood Ave - Columbus, GA 31904 - (706) 324-1581 - View Map
- Carl Wilson Insurance
4603 Hamilton Rd # A - Columbus, GA 31904 - (706) 324-2431 - View Map
Information about specific coverages
Understanding the coverages of your car insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and nobody wants to actually read their policy.
Collision coverages - This coverage pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for claims such as crashing into a building, colliding with another moving vehicle, sustaining damage from a pot hole, damaging your car on a curb and backing into a parked car. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It's also possible to bump up the deductible on your Cruze in order to get cheaper collision rates.
Liability coverages - Liability insurance will cover damages or injuries you inflict on a person or their property by causing an accident. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged property.
Liability can pay for claims such as attorney fees, repair bills for other people's vehicles, repair costs for stationary objects and pain and suffering. How much liability should you purchase? That is your choice, but you should buy higher limits if possible. Georgia requires minimum liability limits of 25/50/25 but you should think about purchasing better liability coverage.
Medical expense coverage - Med pay and PIP coverage kick in for bills like rehabilitation expenses, pain medications, X-ray expenses and chiropractic care. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers you and your occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is only offered in select states and may carry a deductible
Comprehensive protection - This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive insurance covers claims such as hail damage, damage from getting keyed and falling objects. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much it's probably time to drop comprehensive insurance.
Uninsured or underinsured coverage - This coverage protects you and your vehicle when the "other guys" do not carry enough liability coverage. It can pay for injuries to you and your family and damage to your Chevy Cruze.
Since many Georgia drivers have only the minimum liability required by law (25/50/25), their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked.