Do you want to save money by buying more competitive Chevy Cruze insurance in San Antonio? Finding better insurance prices for a new or used Chevy Cruze in Texas can normally be difficult, but you can follow the following methods to save time. There is a right way and a wrong way to buy auto insurance and we'll show you the proper way to get price quotes on a Chevy and locate the lowest possible price.
Finding the cheapest car insurance coverage in San Antonio is actually very simple if you learn how to start. If you have a policy now or just want cheaper coverage, you can follow these tips to shop for the lowest rates without having to cut coverage. Smart buyers just need to learn the most efficient way to find the lowest price from many different companies.
Companies offering Chevy Cruze insurance in San Antonio
The companies shown below are ready to provide price comparisons in Texas. To locate the best cheap car insurance in Texas, it's highly recommended you visit as many as you can in order to find the most affordable rates.
Five Tips to Get Cheaper San Antonio Insurance Costs
Part of the auto insurance buying process is learning a few of the rating criteria that come into play when calculating auto insurance rates. When you understand what controls the rates you pay, this empowers consumers to make smart changes that may reward you with lower auto insurance prices.
More policies can equal more savings - The majority of insurers afford a discount for people who carry more than one policy such as combining an auto and homeowners policy. This can amount to ten or even up to twenty percent in some cases. Even if you're getting this discount you may still want to comparison shop to help ensure you have the lowest rates. Drivers may still save money by buying insurance from more than one company.
How many miles do you drive? - The more you drive your Chevy in a year's time the more you will pay for auto insurance. The majority of insurers charge rates based upon how you use the vehicle. Autos that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. An improperly rated Cruze is throwing money out the window. Make sure your declarations sheet shows how each vehicle is driven, because improper ratings can cost you money.
Urban residents pay more - Choosing to live in a small town is a positive aspect when buying auto insurance. Fewer drivers on the road corresponds to lower accident rates in addition to lower liability claims City drivers regularly have traffic congestion and longer commutes to work. Spending more time driving statistically corresponds to a higher accident and claim rate.
Theft deterrents save - Choosing to buy a car with a theft deterrent system can help lower your premiums. Anti-theft features such as OnStar, LoJack tracking, and tamper alarms can help prevent vehicle theft.
Poor driving habits means higher premiums - How you drive impacts premiums far more than you think. Good drivers tend to pay less for car insurance compared to drivers with tickets. Having just one citation can increase the cost of insurance to the point where it's not affordable. Drivers who have received dangerous violations like reckless driving, hit and run or driving under the influence may face state-mandated requirements to submit a SR-22 form with their state motor vehicle department in order to keep their license.
Insurance losses for a Chevy Cruze - Insurance companies analyze past claim statistics to help determine costs. Models that have higher loss trends will have higher rates for specific coverages.
The table below shows the collected loss data for Chevy Cruze vehicles. For each policy coverage, the claim probability for all vehicles, as a total average, is equal to 100. Values that are under 100 mean the vehicle has better than average losses, while numbers above 100 indicate a higher chance of having a claim or statistically larger claims.
Insurance Loss Ratings for Chevrolet Cruze Vehicles
|Vehicle Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Data Source: Insurance Institute for Highway Safety for 2013-2015 Model Years
Cheaper Chevy Cruze insurance in San Antonio
Companies offering auto insurance don't always advertise every available discount very clearly, so below is a list a few of the more common and also the more inconspicuous discounts that you can inquire about if you buy San Antonio auto insurance online.
- Paper-free Discount - A few larger online companies provide a small discount for buying a policy and signing up on their website.
- Sign Early and Save - A few larger companies give discounts for switching companies before your current expiration date. This can save 10% or more.
- Save with a New Car - Adding a new car to your policy can save up to 30% because new model year vehicles are generally safer.
- Service Members Pay Less - Being deployed in the military could qualify you for better car insurance rates.
- Fewer Miles Equal More Savings - Maintaining low annual mileage could be rewarded with cheaper rates.
Discounts save money, but please remember that some of the credits will not apply to the entire policy premium. Some only reduce the cost of specific coverages such as collision or personal injury protection. If you do the math and it seems like it's possible to get free car insurance, you aren't that lucky.
A few companies that may have most of the discounts above are:
When quoting, ask each insurance company which discounts you qualify for. All car insurance discounts may not apply in San Antonio. To find insurers who offer discounts in San Antonio, click here to view.
Compare prices but buy from a local San Antonio insurance agent
A small number of people still like to have an agent's advice and that is recommended in a lot of cases Professional insurance agents can point out coverage gaps and help submit paperwork. One of the benefits of comparing rates online is that you can obtain lower rates and also buy local.
For easy comparison, once you complete this form (opens in new window), the quote information is transmitted to participating agents in San Antonio that give free quotes and help you find cheaper coverage. It makes it easy because there is no need to leave your house since rate quotes are delivered to you. In the event you want to get a rate quote from a specific company, you would need to visit that company's website and complete a quote there.
Finding the right provider should depend on more than just the premium amount. Any good agent in San Antonio should know the answers to these questions.
- Which members of your family are coverage by the policy?
- Is the agent and/or agency licensed to do business in Texas?
- Are there any extra charges for paying monthly?
- Does the agent have professional designations like CIC, CPCU or AIC?
- What insurance company do they write the most business with?
If you're trying to find local San Antonio agents, there are two types of insurance agents and how they function. Insurance agents can either be independent or exclusive depending on the company they work for. Both can insure your vehicles, but it's important to know why they differ since it can impact which type of agent you select.
Exclusive Insurance Agents
Exclusive agencies work for only one company and examples are Farmers Insurance, Allstate, or State Farm. They usually cannot provide rate quotes from other companies so you might not find the best rates. These agents are well trained on what they offer which helps overcome the inability to quote other rates. Some consumers prefer to use the same agent mainly due to the prominent brand name and the convenience of having all coverages with one company.
The following is a list of exclusive agents in San Antonio who may provide you with price quote information.
- State Farm: Sam Longoria
11026 Culebra Rd #105 - San Antonio, TX 78253 - (210) 433-3264 - View Map
- State Farm: John Pitre
825 W Bitters Rd #105 - San Antonio, TX 78216 - (210) 514-1083 - View Map
- Chad Dawson - State Farm Insurance Agent
5890 De Zavala Rd Ste 105 - San Antonio, TX 78249 - (210) 615-7898 - View Map
Agents of this type can sell policies from many different companies so as a result can place your coverage through lots of different companies and possibly get better coverage at lower prices. If you are not satisfied with one company, your agent can just switch to a different company which is easy for the insured.
When comparing insurance rates, it's a good idea to compare prices from several independent agencies to ensure the widest selection of prices. Most independent agents also contract with small regional insurance companies that may have much lower rates than larger companies.
The following are San Antonio independent agencies that are able to give price quotes.
- Ellis Insurance Agency
15335 San Pedro Ave - San Antonio, TX 78232 - (210) 979-9000 - View Map
- Independent Insurance Agents of San Antonio
401 E Sonterra Blvd #375 - San Antonio, TX 78258 - (210) 510-4160 - View Map
- Bapodra Insurance Agency, Inc
8607 Wurzbach Rd #101 - San Antonio, TX 78240 - (210) 696-1133 - View Map
Truth in insurance advertising
Texas consumers constantly see and hear ads that promise big savings for switching from the likes of State Farm, GEICO and Progressive. They all seem to say the same thing about saving some big amount if you switch your insurance policy to them.
Is it even possible that every company can charge lower premium rates?
Most companies quote their cheapest rates for the type of insured that will most likely be profitable. An example of a desirable insured might be a mature driver, is a homeowner, and does not commute to work. Anybody that matches those criteria will get very good San Antonio car insurance rates and have a good chance to cut their Chevy Cruze insurance rates if they switch.
Potential customers who don't qualify for this ideal profile will see higher prices which results in business not being written. If you listen to the ad wording, they say "drivers that switch" but not "all drivers who get quotes" save that much when switching. That's why companies can make claims like that. Different companies use different criteria so it is so important to compare many company's premium rates. Because you cannot predict which insurance company will have the best car insurance rates at this point in time.
In the end, you can save money
As you prepare to switch companies, do not sacrifice coverage to reduce premiums. There are many occasions where an insured cut collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. Your objective should be to buy the best coverage you can find for the lowest price, not the least amount of coverage.
Lower-priced insurance in San Antonio is available from both online companies and from local insurance agents, so get free San Antonio auto insurance quotes from both of them to have the best chance of lowering rates. Some insurance companies may not provide the ability to get a quote online and usually these smaller companies sell through independent agents.
Consumers change insurance companies for any number of reasons including lack of trust in their agent, extreme rates for teen drivers, an unsatisfactory settlement offer and even policy non-renewal. Regardless of your reason for switching companies, finding a new company can be pretty painless.