How long has it been since you compared quotes for low-cost Chevy SS insurance in San Antonio? Trying to find the cheapest insurance for a Chevy SS in Texas can normally be a lot of work, but you can learn these tips to make it easier.
There are both good and bad ways to buy auto insurance and you need to know the best way to price shop coverage for a Chevy and obtain the best price possible either online or from San Antonio insurance agents.
Unbelievable but true, the vast majority of consumers have been with the same company for at least the last four years, and virtually 40% of consumers have never compared rates with other companies. The average driver in Texas could save about 70% each year by just comparing rate quotes, but they underestimate the amount of money they would save if they swap their current policy for a cheaper one.
Low Cost Chevy insurance price quotes in San Antonio
The companies in the list below are our best choices to provide quotes in Texas. If several companies are displayed, it’s a good idea that you visit as many as you can to get the best price comparison.
Get cheaper Chevy SS insurance in San Antonio with discounts
Insurance can be prohibitively expensive, but companies offer discounts to cut the cost considerably. Certain discounts will be triggered automatically at the time of quoting, but occasionally some discounts must be asked about in order for you to get them.
- Military Rewards – Being deployed with a military unit could mean lower insurance rates.
- No Claim Discounts – Good drivers with no accidents can earn big discounts compared to bad drivers.
- Discount for Low Mileage – Fewer annual miles on your Chevy could be rewarded with lower rates due to less chance of an accident.
- Senior Citizen Discount – Drivers over the age of 55 may be able to get a small discount on rates.
- Drivers Education – Have your child successfully complete driver’s ed class as it can save substantially.
- Data Collection Discounts – Insureds who allow driving data submission to look at driving patterns by using a telematic data system such as Snapshot from Progressive or Drivewise from Allstate may see discounts if their driving habits are good.
- Cautious Driver Discount – Insureds without accidents can get discounts for up to 45% lower rates than drivers with accident claims.
As is typical with insurance, some of the credits will not apply to the whole policy. Some only reduce individual premiums such as liability and collision coverage. Just because it seems like you could get a free insurance policy, insurance companies wouldn’t stay in business. Any amount of discount will cut your overall bill.
Car insurance companies who might offer these benefits include:
- Mercury Insurance
- Farmers Insurance
- Auto-Owners Insurance
- Liberty Mutual
When getting free San Antonio auto insurance quotes, it’s a good idea to each company to apply every possible discount. Savings might not be offered in San Antonio. To see insurance companies who offer insurance discounts in Texas, follow this link.
The Chevy SS Insurance Cost Equation
Multiple criteria are part of the equation when you quote your car insurance policy. Some are obvious such as your driving history, but some are less obvious such as your credit history or your commute time. When buying car insurance it’s important to understand some of the things that aid in calculating the level of your policy premiums. If you have a feel for what determines premiums, this allows you to make educated decisions that could help you find big savings.
The following are a partial list of the pieces utilized by car insurance companies to help set your rate level.
Bad credit will cost you – Having a bad credit rating factor in calculating your car insurance rates. Therefore, if your credit rating leaves room for improvement, you could be paying less to insure your Chevrolet SS by taking the time to improve your credit score. People that have good credit tend to be less risk to insure as compared to drivers with lower credit scores.
Physical damage deductibles – Protection for physical damage, termed comprehensive and collision coverage on your policy, protects your Chevy from damage. Examples of covered claims are running into the backend of another car, damage from fire, and rolling your vehicle. Comp and collision deductibles define the amount you are willing to pay before your car insurance pays a claim. The more damage repair cost the insured has to pay upfront, the lower your rates will be.
Driver age impacts prices – Older insureds have been proven to be more responsible, tend to cause fewer accidents, and tend to be get fewer driving tickets. Teenage drivers have a tendency to be careless and easily distracted when behind the wheel so car insurance rates are higher.
Insure your auto and home with one company – Most larger car insurance companies will award lower prices to clients who consolidate policies with them in the form of a multi-policy discount. Even though this discount sounds good, it’s always a smart idea to compare Chevy SS rates in San Antonio to help guarantee you have the best rates.
Do you have a demanding job? – Occupations like judges, social workers, and medical professionals tend to pay higher average rates because of stressful work requirements and lots of time spent at work. On the other hand, professions such as professors, engineers and homemakers have the lowest average rates.
Drive fewer miles and save – The more miles you rack up on your Chevy annually the higher the price you pay to insure it. Many insurance companies calculate prices based on how the vehicle is used. Autos that have low annual miles get more affordable rates than vehicles that have high annual mileage. It’s a good idea to make sure your car insurance coverage is rated on annual mileage, because it can save money. An improperly rated SS is throwing money out the window.
Chevy SS claim probability – Insurance companies use statistical claims data when they file their rates in each state. Models that historically have higher prevalence or dollar amount of losses will have higher premium rates. The information below illustrates the actual insurance loss data for Chevy SS vehicles.
For each coverage category, the claim probability for all vehicles compiled together equals 100. Values that are 100 or less imply a favorable loss record, while percentage numbers above 100 indicate more frequent losses or a tendency for claims to be larger.
|Make and Model||Collision||Property Damage||Comp||Personal Injury||Medical Payment||Bodily Injury|
Empty fields indicate not enough data collected
Statistics from IIHS.org for 2013-2015 Model Years
Auto insurance agents near you
A lot of people still like to talk to a local agent and that is a personal choice. Experienced insurance agents are highly skilled in risk management and give you someone to call. A good thing about getting online price quotes is the fact that drivers can get cheap car insurance rates and still have a local agent. Supporting neighborhood insurance agencies is important especially in San Antonio.
By using this short form, your information is immediately sent to agents in your area who will give competitive quotes to get your business. There is no reason to contact any insurance agencies as quotes are delivered to you instantly. If you wish to compare prices from a specific insurance company, just navigate to their website to submit a rate quote request.
Pick the best car insurance agent in San Antonio for you
If you want a reputable agency, it’s helpful to know the different types of agencies and how they are slightly different. Agencies in San Antonio may be either exclusive or independent agents depending on their company appointments. Either can write policy coverage, but it is a good idea to know how they are different since it can affect your selection of an agent.
Independent Car Insurance Agents (or Brokers)
Agents of this type are not employed by one company and that enables them to quote your coverage through lots of different companies and get you the best rates possible. If your premiums go up, they can switch companies in-house without you having to go to a different agency. When searching for an agent, it’s recommended you get rate quotes from multiple independent agents to have the best price comparison. Many independent agencies also insure through small mutual carriers which can be an advantage.
Below are independent agents in San Antonio that can give you free rate quotes.
- Atlas Insurance Agency,Inc
1954 SW Military Dr – San Antonio, TX 78221 – (210) 927-2277 – View Map
- San Antonio Insurance Agency
1100 NE Interstate 410 Loop – San Antonio, TX 78209 – (210) 822-2590 – View Map
- A.R.M. Insurance Agency
1534 W Contour Dr #101 – San Antonio, TX 78212 – (210) 828-7873 – View Map
Exclusive Car Insurance Agencies
Agents that elect to be exclusive generally can only insure with one company and some examples include State Farm, Allstate, or Farmers Insurance. They are unable to shop your coverage around so they have to upsell other benefits. Exclusive agents are usually well trained in insurance sales which helps offset the inability to provide other markets. Many people buy from the same agent for years primarily because of the prominent brand name instead of buying on price only.
Listed below is a short list of exclusive insurance agents in San Antonio who can help you get price quotes.
- Kristin Sorensen – State Farm Insurance Agent
430 W Loop 1604 N Suite 112 – San Antonio, TX 78251 – (210) 682-1200 – View Map
- Mike Smith – State Farm Insurance Agent
14802 Jones Maltsberger Rd #201 – San Antonio, TX 78247 – (210) 251-3657 – View Map
- Deserae Navarro – State Farm Insurance Agent
5975 Bandera Rd – San Antonio, TX 78238 – (210) 647-7975 – View Map
Picking an insurance agency should include more criteria than just the quoted price. Here are some questions you should ask.
- How long have they worked with personal auto insurance coverage?
- Has the agent ever had any license suspensions?
- Are they full-time agents?
- What companies can they write with?
- Who is covered by the car insurance policy?
- Do they get paid more for recommending certain coverages?
- Do clients work directly with the agent or are most inquiries handled by a CSR?
More quotes mean more car insurance savings
Affordable Chevy SS insurance in San Antonio can be bought from both online companies as well as from independent agents in San Antonio, so get free San Antonio auto insurance quotes from both of them in order to have the best price selection to choose from. A few companies may not offer online rate quotes and many times these regional insurance providers only sell coverage through independent agents.
Drivers change insurance companies for a number of reasons such as delays in paying claims, high rates after DUI convictions, policy cancellation or even an unsatisfactory settlement offer. It doesn’t matter what your reason, finding a new car insurance company can be pretty painless.
When trying to cut insurance costs, it’s a bad idea to buy poor coverage just to save money. There are many occasions where someone dropped liability coverage limits only to regret they didn’t have enough coverage. The ultimate goal is to buy enough coverage at the lowest possible cost.
Additional information is located at the links below
- Older Drivers FAQ (iihs.org)
- Who Has the Cheapest Car Insurance Rates for a Ford Fusion in San Antonio? (FAQ)
- What Auto Insurance is Cheapest for a Ford Explorer in San Antonio? (FAQ)
- Who Has the Cheapest San Antonio Car Insurance for a Nissan Sentra? (FAQ)
- Higher speed limits cause more fatalities (Insurance Institute for Highway Safety)
- How to Avoid Common Accidents (State Farm)