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UPDATED: Nov 27, 2018
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Almost everyone is familiar with the Chevrolet brand and its distinctive bowtie logo.
Chevrolet produces vehicles as varied as the 2014 Spark with a MSRP of $12,170, the 2014 Chevrolet Silverado 1500 pickup (MSRP $25,575); 2014 Malibu Sedan with a MSRP from $22,120; and the 2014 Tahoe (MSRP $43,600).
Their vehicle lineup allows the comparison-shopper the opportunity to look and choose among over twenty basic vehicles and all the options they afford.
For sports car enthusiasts, Chevrolet now offers the 2014 Chevrolet Corvette with three engine variations.
The Corvette has been absent from the Chevrolet line for a number of years, partially due to the economy.
Chevrolet in American Culture
Chevrolet, known as Chevy, is owned by General Motors. This company was originally formed by Louis Chevrolet, and through a series of mergers, became a competitor with Henry Ford’s Model T in 1939. Chevrolet is sold worldwide except in Australasia, where their Australian subsidiary provides automobiles and small trucks.
Music reflects American culture more than any other genre of media. Many songwriters have declared their love for Chevrolet and the Corvette in popular songs:
- American Pie Don McLean
- Little Red Corvette Prince
- Dead Man’s Curve Jan & Dean
- 409 Beach Boys
- The One I Loved Back Then George Jones
- Riding with Private Malone David Ball
The Chevrolet has been part of American culture since World War II when the soldiers returned from Europe, prosperity changed the nation, and Chevrolet was an affordable alternative to Fords.
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Insurance for a Chevrolet
Because of the widespread availability of the brand as well as easily obtained and interchangeable parts, Chevrolets are easy to insure. It’s a good idea, though, to do some comparison shopping for your insurance.
Automobile insurance is required in all 50 states, with the states — rather than the federal government — requiring it.
Each state has a Department of Insurance that oversees insurance rates and makes certain that insurance companies follow a code of laws established by the state.
When requesting a quotation, it is a good idea to ask about the costs of the following coverages:
- Bodily Injury Liability – Insures you against loss with regard to your own liability for injury that you cause. Usually, individuals carry a limit of $100,000 per individual/$300,000 per accident.
- Property Damage Liability – Insures you if you are responsible for damage to another individual’s property in an accident. Usually, $50,000 per accident is appropriate for this coverage.
- Medical Insurance – Insures you and your passengers for medical injuries that may not be covered by their medical insurance. $5,000 of coverage is ordinary.
- Underinsured/uninsured motorist’s coverage – If you’re involved in an accident with an uninsured motorist, this will pay for Bodily Injury and Property Damage to you and your passengers. This is vital because over 14 percent of all drivers do not have insurance at present.
Collision and comprehensive insurance are intended to restore your own financial loss to your property in an accident. Comprehensive usually covers:
- weather damage
- animal damage
A deductible is usually applied to keep the cost of this coverage lower.
A $500 deductible is usual. Collision covers exactly that – if you collide with another vehicle or object, or another vehicle collides with you. Again, a $500 deductible is appropriate.
About Deductibles and Loss Payees
In the event of a loss, the deductible is removed from the claim settlement before the check is issued. Suggested deductibles are just that — suggested. Make certain that the cost of the deductible will not be crippling for your family. Sometimes it is difficult to come up with $500.
If you have borrowed the money for your vehicle, the bank or loan company will require that their name is placed on the insurance policy as loss payee.
Any claim settlement will be paid to the bank or loan company to make certain that their interests are protected.
In an ordinary accident, the bank will send a check made out to you and to the company that is repairing your vehicle.
If your car is totalled, the insurance company will negotiate with you and the bank about the amount of the check. Of course, the bank is concerned about their collateral, you are concerned about your transportation.
Comparing Companies for the Best Rate
We requested two sample insurance quotes from two companies that offer free quotes online. First, a forty-year-old male and female who are married; the husband manages a local business while the wife works at home in graphic design; they have two children less than ten years old and live in Littleton, Colorado.
No accidents or violations are listed on their records and they have a good credit rating. For their 2014 Chevrolet Malibu, car insurance rates are as follows:
- Insurance company #1 – $705.00 (for six months)
- Insurance company #2 – $589.50 (for six months)
Obviously, it pays to do comparison shopping when it comes to car insurance. Checking this would have saved you $115.50 every six months. Depending upon your payments on the vehicle, this is about one-half of a payment.
You should take the time to check insurance costs at least annually as rate filings for insurance companies change often depending upon the statistics amassed each year.
Be sure to take into consideration discounts for loyalty to the same company and double-check any discounts that might be available.
For example, one of the quotes included a discount because we indicated that the hypothetical head of household had graduated from the University of Colorado. Be aware of these types of credits if available.
Comparing rates is quick and easy with our FREE tool! Just enter your zip code to see rates from multiple companies in your area!