No normal person likes having to buy auto insurance, in particular when they could get a better deal.
Unimaginable but true, a large majority of drivers have stayed with the same insurance company for a minimum of four years, and nearly half have never even compared quotes to find lower-cost rates. The average driver in Illinois can save about $600 each year by just shopping around, but they don’t want to take the time to find lower-cost auto insurance rates. Lots of insurers contend to insure your vehicles, so it can be very hard to choose a company to get the best rates possible on Chevy Captiva Sport insurance in Chicago.
It’s a good idea to do rate comparisons quite often because insurance prices are constantly changing. Even if you got the best quotes on Chevy Captiva Sport insurance in Chicago a year ago there is a good chance you can find better rates now. Forget anything you know (or think you know) about auto insurance because you’re going to learn one of the best ways to remove unneeded coverages and save money.
If you have coverage now or just want cheaper coverage, you can use these techniques to find the best rates without reducing coverage. Choosing the best rates in Chicago seems hard but is not really that difficult. Vehicle owners only have to learn the best way to compare prices using one simple form.
Free Chicago Chevy Captiva Sport insurance price quotes
The majority of larger companies such as GEICO, State Farm and Progressive allow you to get prices for coverage on their websites. Doing online price comparisons for Chevy Captiva Sport insurance in Chicago is pretty easy as you simply type in your personal and coverage information as requested by the quote form. Behind the scenes, their quoting system orders reports for credit and driving violations and provides a quote based on the information you submitted. This makes comparing rates easy, and it is important to have as many quotes as possible if you want to find a better rate.
To compare rates using this form now, compare quotes from the companies shown below. If you currently have coverage, we recommend you input the limits and deductibles exactly as they are listed on your policy. Doing this assures you will be getting a rate comparison for exact coverage.
The companies shown below have been selected to offer price comparisons in Chicago, IL. If the list has multiple companies, it’s a good idea that you compare several of them to find the lowest auto insurance rates.
Insurance does more than just repair your car
Despite the high insurance cost for a Chevy Captiva Sport in Chicago, insurance is a good idea for several reasons.
- The majority of states have minimum liability requirements which means you are required to carry specific limits of liability coverage if you don’t want to risk a ticket. In Illinois these limits are 20/40/15 which means you must have $20,000 of bodily injury coverage per person, $40,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.
- If you took out a loan on your vehicle, it’s guaranteed your bank will have a requirement that you have physical damage coverage to ensure loan repayment if the vehicle is totalled. If you do not keep the policy in force, the lender will be forced to insure your Chevy at a significantly higher premium and make you pay the higher premium.
- Insurance safeguards both your Chevy Captiva Sport and your assets. It will also provide coverage for medical bills incurred in an accident. One of the most valuable coverages, liability insurance, also covers legal expenses if you cause an accident and are sued. If damage is caused by hail or an accident, comprehensive and collision coverage will pay to repair the damage minus the deductible amount.
The benefits of having insurance more than cancel out the cost, specifically if you ever have a liability claim. An average driver in America overpays more than $865 each year so we recommend shopping around every year to ensure rates are competitive.
The largest companies are not always cheapest
Consumers can’t avoid all the ads that promise big savings from companies such as GEICO, State Farm and Progressive. All the ads have a common claim that you can save just by switching your policy.
How does every company lower your rates? Here is the trick they use.
Insurance providers quote their best rates for the driver that will most likely be profitable. An example of a profitable insured may be a female over age 40, owns a home, and has great credit. Anyone that meets those criteria will get the preferred auto insurance rates in Chicago and is almost guaranteed to save some money.
Consumers who may not quite match these standards may be required to pay higher prices and ends up with the prospect going elsewhere. The ad wording is “customers that switch” not “everyone who quotes” save that much money. That’s why companies can make claims that they all have the best premium rates.
Because of these techniques, you really need to get a wide range of price quotes. It’s not possible to predict which insurance companies will provide you with the cheapest Chevy Captiva Sport insurance in Chicago.
Score discounts on Chicago insurance
Buying insurance is not cheap, but you can get discounts that can drop the cost substantially. Some discounts will apply when you complete an application, but some need to be inquired about before being credited. If you don’t get every credit possible, you could be getting lower rates.
- Onboard Data Collection – Policyholders that allow data collection to study driving manner by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot may see discounts if they exhibit good driving behavior.
- Defensive Driver – Passing a safe driver class may get you a small discount depending on where you live.
- Cautious Driver Discount – Drivers who don’t get into accidents can save as much as half off their rates compared to accident prone drivers.
- Passenger Safety Discount – Factory options such as air bags may earn rate discounts of up to 25% or more.
- Driver Education Discount – Require your teen driver to take driver’s ed class as it can save substantially.
- Include Life Insurance and Save – Select insurance companies reward you with a small discount if you purchase a life insurance policy as well.
- Federal Government Employee – Simply working for the federal government may qualify for a discount when you quote Chicago car insurance with select insurance companies.
- Paper-free Discount – A few larger online companies will give a small break shop Chicago car insurance digitally online.
- Chicago Homeowners Discount – Owning your own home or condo can get you a discount because owning a home is proof that your finances are in order.
It’s important to note that most credits do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like liability and collision coverage. Even though the math looks like you could get a free insurance policy, insurance companies wouldn’t stay in business.
Some of the insurance companies who may offer most of these discounts include:
When getting free Chicago car insurance quotes, it’s a good idea to each insurance company how many discounts you can get. Discounts may not be available in every state.
When to have guidance from an insurance agency
Many drivers still like to have an agent’s advice and doing so can bring peace of mind Professional insurance agents can answer important questions and help file insurance claims. One of the best bonuses of comparing rates online is you may find the best rates and also buy local. Buying from local agents is especially important in Chicago.
To help locate an agent, after submitting this form (opens in new window), your insurance data is instantly submitted to insurance agents in Chicago who can give free rate quotes for your business. It simplifies rate comparisons since you won’t have to search for any insurance agencies as quotes are delivered directly to you. If you wish to compare prices from a particular provider, don’t hesitate to visit that company’s website to submit a rate quote request.
Finding the right insurer requires you to look at more than just the premium amount. These are some valid questions you should ask.
- Do the coverages you’re quoting properly cover your vehicle?
- Does the agent help file claims?
- Are they giving you every discount you deserve?
- Is the agency involved in supporting local community causes?
- How would your car be valued if totalled?
- Can they provide you with a list of referrals?
- Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
Coverages available on your policy
Understanding the coverages of your policy can help you determine which coverages you need and the correct deductibles and limits. Insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are the usual coverages found on most insurance policies.
Medical expense insurance
Medical payments and Personal Injury Protection insurance reimburse you for bills such as X-ray expenses, surgery and dental work. They are used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants as well as any family member struck as a pedestrian. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Liability insurance provides protection from damage or injury you incur to other’s property or people that is your fault. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have policy limits of 20/40/15 which means $20,000 bodily injury coverage, a per accident bodily injury limit of $40,000, and a limit of $15,000 paid for damaged property. Occasionally you may see a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.
Liability can pay for claims like court costs, funeral expenses, medical expenses and legal defense fees. How much liability coverage do you need? That is up to you, but it’s cheap coverage so purchase higher limits if possible. Illinois state law requires minimum liability limits of 20/40/15 but it’s recommended drivers buy more liability than the minimum.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as your vehicle’s damage.
Since a lot of drivers have only the minimum liability required by law (20/40/15 in Illinois), their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Usually these limits do not exceed the liability coverage limits.
Comprehensive (Other than Collision)
Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as a tree branch falling on your vehicle, rock chips in glass and hail damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Coverage for collisions
Collision coverage pays for damage to your Captiva Sport from colliding with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for claims like colliding with another moving vehicle, colliding with a tree, crashing into a ditch and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to choose a higher deductible on your Captiva Sport to bring the cost down.
A conclusion for your auto insurance search
When shopping online for auto insurance, you should never buy poor coverage just to save money. There are a lot of situations where consumers will sacrifice physical damage coverage only to regret at claim time they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage for the lowest cost, but do not skimp to save money.
In this article, we covered a lot of tips how to compare Chevy Captiva Sport insurance premium rates in Chicago. The most important thing to understand is the more quotes you get, the better chance you’ll have of finding affordable Chevrolet Captiva Sport insurance quotes. Consumers could even find that the lowest priced auto insurance comes from the smaller companies. Smaller companies may often insure only within specific states and give better rates than the large multi-state companies such as State Farm or Progressive.
More information can be read at the links below
- How Does Hitting a Deer Impact Insurance Rates? (Allstate)
- Who Has the Cheapest Chicago Auto Insurance for a Nissan Rogue? (FAQ)
- Who Has Cheap Auto Insurance for a Company Car in Chicago? (FAQ)
- Who Has Cheap Chicago Auto Insurance for Young Drivers? (FAQ)
- Who Has the Cheapest Auto Insurance for 4×4 Vehicles in Chicago? (FAQ)
- How Much are Chicago Auto Insurance Rates for Nurses? (FAQ)
- Five Steps to Filing an Auto Insurance Claim (Insurance Information Institute)
- Understanding Rental Car Insurance (Insurance Information Institute)
- Credit Impacts Car Insurance Rates (State Farm)