The recommended way to get more affordable Chevy SS insurance is to begin comparing prices regularly from insurers that sell auto insurance in Dallas. You can compare prices by following these guidelines.
First, gain an understanding of auto insurance and the things you can control to keep rates low. Many rating factors that result in higher rates such as traffic violations and a not-so-good credit rating can be rectified by making minor changes to your lifestyle.
Second, quote rates from exclusive agents, independent agents, and direct providers. Exclusive and direct companies can only give rate quotes from a single company like GEICO or State Farm, while independent agencies can provide price quotes from multiple sources.
Third, compare the quotes to your current policy and see if you can save money. If you can save money and change companies, make sure coverage is continuous and does not lapse.
Fourth, notify your agent or company of your decision to cancel your current policy. Submit a completed policy application and payment to your new insurance company. As soon as you receive it, store the certificate of insurance in an accessible location in your vehicle.
An essential thing to point out is that you’ll want to make sure you compare the same amount of coverage on each quote request and and to get price estimates from as many companies as feasibly possible. Doing this provides the most accurate price comparison and plenty of rates choose from.
A recent car insurance study discovered that most car insurance policyholders renewed their policy with the same company for over three years, and 38% of customers have never shopped around. Most drivers in Texas could save an average of 70% each year just by comparing rates, but they underestimate the big savings they would realize if they bought a different policy.
Comparison shopping for the lowest-priced auto insurance coverage in Dallas can be fairly easy. If you already have coverage or just want a better rate, follow these tips to reduce the price you pay while maintaining coverages. Vehicle owners just need to use how to find the lowest price from multiple carriers.
Finding low cost insurance prices is not rocket science. All that’s required is to take a few minutes to get quotes to discover which company has the cheapest Chevrolet SS rate quotes.
Getting free rates online is quite simple, and it takes the place of having to physically go to insurance agencies in your area. The ability to quote Chevy SS insurance online makes this process obsolete unless you have a complicated situation and need the professional guidance that you can only get from talking to an agent. Although you can comparison shop your insurance online and still use a local agent.
The car insurance companies shown below are our best choices to provide price quotes in Texas. If multiple companies are shown, we recommend you click on several of them to find the most affordable car insurance rates.
Discounts mean cheaper rates for Chevy SS insurance in Dallas
Companies do not advertise every possible discount in a way that’s easy to find, so here is a list some of the best known and the harder-to-find credits available to lower your premiums when you buy Dallas auto insurance online.
- Federal Government Employee – Federal government employees can earn a discount up to 10% with certain companies.
- Anti-theft System – Cars, trucks, and SUVs optioned with advanced anti-theft systems are stolen with less frequency and therefore earn up to a 10% discount.
- No Accidents – Good drivers with no accidents can earn big discounts as compared to accident-prone drivers.
- ABS Braking Discount – Cars and trucks that have steering control and anti-lock brakes prevent accidents and the ABS can save up to 10%.
- Resident Student – Any of your kids who live away from home to go to college and do not take a car to college could qualify for this discount.
- Good Driver Discounts – Drivers who avoid accidents can save up to 40% or more on their Dallas auto insurance quote compared to rates paid by drivers with frequent claims.
- New Car Discount – Adding a new car to your policy can cost up to 25% less because newer vehicles have to meet stringent safety requirements.
- Senior Citizen Rates – Mature drivers may receive lower premium rates.
- Discount for Good Grades – Excelling in school may save you up to 25%. Most companies allow this discount up to age 25.
- Drivers Education – Require your teen driver to complete a driver education course if offered at their school.
Consumers should know that some of the credits will not apply to the entire policy premium. Most only cut the price of certain insurance coverages like comp or med pay. Just because you may think adding up those discounts means a free policy, nobody gets a free ride. But any discount should definitely cut your overall premium however.
A list of companies and their possible discounts can be read below.
- State Farm offers discounts including safe vehicle, Drive Safe & Save, Steer Clear safe driver discount, passive restraint, accident-free, and student away at school.
- GEICO includes discounts for membership and employees, air bags, defensive driver, daytime running lights, good student, multi-policy, and seat belt use.
- Liberty Mutual policyholders can earn discounts including newly married, good student, new move discount, hybrid vehicle, safety features, exclusive group savings, and teen driver discount.
- The Hartford offers discounts for driver training, air bag, good student, vehicle fuel type, and defensive driver.
- MetLife has savings for defensive driver, good student, good driver, claim-free, and accident-free.
- Progressive may have discounts that include multi-vehicle, online signing, multi-policy, continuous coverage, and good student.
Before purchasing a policy, check with every company which discounts you may be entitled to. Discounts might not be offered on policies in every state. To locate providers who offer auto insurance discounts in Dallas, follow this link.
How do Car Insurance Companies Determine Chevy SS Insurance Premiums?
Lots of things are taken into consideration when you quote your car insurance policy. Some are pretty understandable like an MVR report, although others are more transparent like your vehicle usage or how financially stable you are.
Cautious drivers have lower premiums – Only having one ticket can bump up the cost substantially. Good drivers tend to pay less for car insurance compared to drivers with tickets. Drivers with flagrant violations like DUI or reckless driving may find they need to complete a SR-22 with their state in order to continue driving.
A policy lapse can increase insurance rates – Going without insurance can be a fast way to drive up your policy premiums. Not only will you pay higher rates, being ticketed for driving with no insurance may result in a hefty fine and possibly a revoked license. You could then be forced to provide proof of insurance in the form of an SR-22 filing with the Texas motor vehicle department.
The type of vehicle makes a difference – The performance level of the vehicle you need insurance for makes a huge difference in your premium level. Smaller low performance passenger cars generally have the cheapest insurance rates, but that’s not the only thing that factors into the final price.
You might pay higher costs if you are single – Having a significant other may save some money compared to being single. It demonstrates that you tend to be more financially stable and statistics prove drivers who are married are more cautious.
Your gender affects rates – Over the last 30 years, statistics show females are less aggressive when driving. That doesn’t necessarily mean that females are better drivers. Females and males have auto accidents in similar numbers, but the men tend to have higher claims. Men also statistically get more serious tickets like DWI (DUI) or reckless driving.
Save miles and save money – The higher the mileage driven in a year the more you will pay for insurance. Many insurance companies rate vehicles determined by how the vehicle is used. Cars and trucks left parked in the garage get more affordable rates than those used for commuting. A policy that improperly rates your SS may be costing you. It’s always a good idea to double check that your policy states the right rating data.
Car insurance liability limits – A critical coverage on your policy, liability insurance kicks in when a court rules you are at fault for damages caused by your negligence. It will provide you with a defense in court starting from day one. This coverage is relatively inexpensive compared to other policy coverages, so insureds should have plenty of protection for their assets.
City traffic equals higher rates – Having an address in a rural area is a good thing when trying to find low car insurance rates. Urban drivers regularly have more traffic problems and much longer commute distances. Fewer drivers and short commutes means reduced accidents and a lower car theft rate.
Chevy SS insurance loss probability – Car insurance companies use past loss statistics for each vehicle to help set a rate to offset losses. Vehicles that are shown to have higher prevalence or dollar amount of losses will have a higher cost to insure. The next table illustrates the insurance loss data for Chevy SS vehicles.
For each type of coverage, the loss probability for all vehicles, as an average, is set at 100. Numbers below 100 indicate a favorable loss history, while numbers above 100 indicate a higher chance of having a claim or tendency to have higher losses.
|Vehicle Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Empty fields indicate not enough data collected
Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years