Are you looking for an affordable auto insurance premium on your Chevy Cruze Limited coverage? We will be happy to show you how. But first, we feel the need to explain our thought process. You see, we have a very large and knowledgeable team of insurance experts at our disposal. We can teach you what you need to know in order to understand how your company evaluates your risk and how it will affect your monthly premiums.
Right around the year 2016 is when GM and Chevrolet decided to give the Cruze enough of a makeover to justify labeling it the second generation of this particular model. However, in the same year, production continued on first generation models at the same time. The 2016 first-generation Cruze models were still sold off, mostly as fleet vehicles to businesses who wanted a discount on a reliable sedan.
Although there were two updates to the first generation Chevy Cruze during its initial run, the 2014 update was the design with the most influence during the production of the Chevrolet Cruze Limited. It distinguished itself apart from the Malibu by contouring the body to possess a more angular shape while also updating the front grille.
Did you know that, although car insurance is mandated across the entire country, not all states follow the same insurance laws? Different states have different requirements which drivers have to adhere to if they wish to rule the road legally. The minimum amount of coverage you are required to carry, for example, will be very different than one state even if you live near the border and could easily cross into the next. This is why you should at least make yourself relatively familiar with average insurance quotes in your particular state – otherwise, you could end up paying too much.
[chart showing how prices vary by state
Even within the same state, no two insurance companies will offer you the same premium. There are many reasons why this frustrating reality exists. And a big part of it is because insurance companies want to stay competitive. If you have two major providers who are vying for the same customers, one may offer better discounts than the other. At the same time, the other company may evaluate risk differently than their biggest competitor, and this may benefit you if you are a safe motorist who could take advantage of a safe driver discount. It all depends on who you ask.
[chart showing variations by company
Speaking of being a safe driver, did you know that your car insurance company will take a look at your most recent insurance claims history when they decide how much you should be charged? The fewer claims you have in your past, the less your insurance will cost. And if you have no plans whatsoever, that’s even better! Like we said, many insurance companies like to offer lucrative discounts for motorists you drive safely and have never filed a claim.
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But if claims are a problem in your recent past, there are ways to get around the extra charges you may have to pay for. The quickest and easiest way to do so is to compare quotes and make sure your company is giving you a fair price. One company may consider a speckled claims history to be very unattractive, and charge you much more. Another insurance company in your area may not be as concerned about it, or may consider some claims less risky than others. If you compare the two, we are sure you could save at least 19% or more on your premiums each month. And if you compare more companies than that, you can save a whole lot more money.
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