If saving the most money is your goal, then the best way to get affordable Chevy Captiva Sport insurance in Columbus is to do an annual price comparison from companies that sell auto insurance in Ohio.
- Step 1: Spend some time learning about coverages and the measures you can control to keep rates in check. Many risk factors that are responsible for high rates such as traffic violations, accidents, and a poor credit rating can be improved by making minor driving habit or lifestyle changes. This article provides more information to get cheaper coverage and find available discounts that you may qualify for.
- Step 2: Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from a single company like Progressive or Allstate, while independent agents can provide price quotes from multiple insurance companies. Select a company
- Step 3: Compare the quotes to your existing coverage to determine if switching companies saves money. If you find better rates and decide to switch, make sure the effective date of the new policy is the same as the expiration date of the old one.
- Step 4: Give proper notification to your current agent or company of your intent to cancel your current car insurance policy and submit any necessary down payment along with the completed application for your new policy. Immediately upon receiving it, keep the new certificate verifying proof of insurance with your vehicle’s registration.
The key thing to remember is to use identical deductibles and limits on every quote request and and to analyze every company you can. Doing this enables an accurate price comparison and a good representation of prices.
Amazingly, a recent NerdWallet.com study showed that most consumers in Ohio have bought auto insurance from the same company for well over three years, and approximately 40% of consumers have never compared rates from other carriers. American consumers could save an average of almost 47% each year by just shopping around, but they mistakenly think it’s difficult to compare rates and save money.
When comparison shopping, more quotes helps you find more affordable rates.
The companies shown below are ready to provide free quotes in Ohio. If multiple providers are shown, we recommend you visit several of them to find the most affordable auto insurance rates.
Why You Might Pay Increased Rates in Columbus
One of the most helpful ways to save on auto insurance is to to have a grasp of the rating factors that help calculate auto insurance rates. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that can earn you lower rates. Lots of factors are used in the calculation when quoting car insurance. Some factors are common sense such as your driving history, but some are more transparent like your continuous coverage or your financial responsibility.
The list below includes some of the most rate-impacting factors companies use to determine your rates.
- Rates for males may be higher – Over time, data shows that females take fewer risks when driving. It does not mean women are BETTER drivers than men. Females and males cause fender benders at a similar rate, but the males tend to have higher claims. Not only that, but men also get ticketed for serious violations like driving under the influence (DUI).
- Alarms and GPS tracking lower premiums – Selecting a car model with advanced anti-theft systems can save you some money. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems can thwart auto theft.
- Extra policy coverages that aren’t used – There are many extra coverages that may not really be needed if you don’t pay attention. Insurance for roadside assistance, better glass coverage, and extra life insurance coverage are some examples. They may sound like good ideas initially, but your needs may have changed so get rid of them and save.
- You might want pay the minor claims yourself – If you tend to file frequent claims, you can expect either policy cancellation or increased premiums. Companies in Ohio generally give lower rates to insureds who are claim-free. Insurance coverage is intended for larger claims.
Insurance loss data for Chevy Captiva Sport vehicles – Car insurance companies use past insurance losses to calculate a price that will offset losses. Models that statistically have a trend towards higher claim severity or frequency will cost more for specific coverages. The data below shows the insurance loss data for Chevy Captiva Sport vehicles.
For each insurance policy coverage type, the statistical loss for all vehicles compiled together is equal to 100. Numbers shown that are under 100 imply a favorable loss record, while values over 100 indicate a higher chance of having a claim or tendency to have larger claims.
Chevrolet Captiva Sport Insurance Loss Statistics Vehicle Make and Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury Chevrolet Captiva Sport 4dr 2WD 89 95 88 123 115 105BETTERAVERAGEWORSE
Statistics from IIHS.org for 2013-2015 Model Years
Protect more than your Chevy Captiva Sport
Despite the potentially high cost of Chevy Captiva Sport insurance, insuring your vehicle is mandatory in Ohio but it also protects more than you think.
- Almost all states have compulsory liability insurance requirements which means the state requires a specific level of liability if you drive a vehicle. In Ohio 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 lien on your Chevy Captiva Sport, almost every bank will force you to carry insurance to ensure the loan is repaid in case of a total loss. If the policy lapses, the bank or lender will purchase a policy for your Chevy at a more expensive rate and force you to reimburse them a much higher amount than you were paying before.
- Insurance safeguards both your Chevy and your personal assets. It will also cover all forms of medical expenses for you, any passengers, and anyone injured in an accident. As part of your policy, liability insurance will also pay attorney fees if anyone sues you for causing an accident. If you have damage to your Chevy as the result of the weather or an accident, comprehensive (other-than-collision) and collision coverage will cover the damage repairs after a deductible is paid.
The benefits of having insurance are definitely more than the cost, particularly if you ever have a claim. Despite what companies tell you, the average driver is wasting up to $865 each year so smart consumers compare quotes at every policy renewal to be sure current rates are still competitive.