When buying Chevrolet car insurance, it is important to understand all the factors that go into determining premiums. Chevrolet or Chevys parent company GM is one of the Big 3 automakers in the American automotive industry. Chevrolet is the GM brand that appeals to most people as the car prices are much more reasonable than many other makes.

What Affects Chevrolet Car Insurance Premiums

When buying Chevrolet car insurance, it is important to understand all the factors that go into determining premiums beyond just the cars themselves. Many different pieces make up the puzzle that becomes the formula insurance companies use when setting car insurance rates.

1. Vehicle Information Affects Chevrolet Car Insurance Rates

When you begin shopping for a car, it would be a good idea to find out what kind of insurance rates you can expect for the types of vehicles you are considering. A Chevy Malibu is going to be less expensive to insure than a Chevy Tahoe. Likewise, an older vehicle that might cost less to repair when compared to a newer, more up-to-date car will have lower rates as well.

If you get one of the sports cars by Chevy, like the Camaro or the Corvette, you will be left with a higher than average car insurance bill. Depending on the trim, the type of transmission and many other aspects of the car, the price of insurance can be several hundred dollars more per year for the same driver when compared with another more standard model.

2. Demographics Affect Chevrolet Car Insurance Rates

Despite how you feel about it, car insurers always look at the gender, age, marital status, and home address of the person who will be driving the Chevrolet. Numerous studies have shown that younger drivers are more likely to get into accidents and especially males more than females. Young men in particular are considered the highest risk category by car insurance companies. If you are male though, dont despair. Getting married can reduce your rates as companies assume you are more responsible than the average young guy. Drivers who are older and more experienced behind the wheel will appreciate get the lower rates for their car insurance. Your time for lower rates will come with age.

Another bit of demographic information that car insurers use is your home address. Living in the suburbs, downtown, or a rural area all matter when it comes to setting car insurance rates. People who live in less densely populated areas, especially those with low instances of crime will enjoy lower rates.

3. Driver History and Vehicle Information Also Affect Chevrolet Car Insurance Rates

Insurance companies want to know what kind of driver you are as well. Drivers who have a clean history with no tickets or accidents will certainly enjoy lower rates for their Chevrolet car insurance. On the flip side, drivers who have tickets and/or accidents not only have to pay their fines or deductibles, they will likely experience higher insurance rates.

Quick Tips for Reducing Chevrolet Car Insurance Rates

People may not be able to do anything about their age or location, but there are ways to positively affect insurance rates. Drivers can enroll in and complete driver education courses. They can also make sure they are utilizing safe and defensive driving skills to reduce their chances of tickets or accidents. Another thing drivers can do is to choose vehicles that have more safety features common on more recent Chevrolet models. Students can also get a 20% discount on insurance rates when they get good grades in school.

Find the best Chevrolet car insurance rates and learn how you can lower them by adjusting vehicle types or circumstances.