Chevy Cobalt Insurance

Everyone is looking to save money these days, and hunting for cheaper insurance is no exception. Chevy Cobalt owners already know it's possible to balance good value with style and comfort. Cobalt is a smaller mid-size sedan that's caught the eye of many savvy auto shoppers. In addition to a reasonable MSRP price tag, the Chevy Cobalt also tends to have lower insurance rates compared to other mid-size vehicles. And with a number of lease returns and other used Cobalts on the market, many drivers are opting for a gently used Chevy Cobalt, which promises an even lower insurance premium.

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The model of the Chevy Cobalt has a significant impact on the amount one pays for insurance as well. For example, one insurance company quoted that in quarter 2 of 2009, the Cobalt LT costs $2,816 while the Cobalt LS costs an additional $100 at a rate of $2,918. While these numbers were lower than the previous year’s rates by 3.5 % and 1.2% respectively, it still may not be low enough for other car owners.

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Comparative shopping for new insurance for the Chevy Cobalt can result in saving a lot of money. The additional details of the insurance policy, like whether the holder is married, how many other cars are owned by the policy holder, and exactly what options the car has are also vital to the insurance quote. The smallest option, like a 2 door car instead of a 4 door car, automatically classifies the car as a sports car and the insurance rate will go up. A 4 door car is classified as a “sedan” and will have a significantly lower insurance rate.
Unfortunately, the age of the primary driver will also play a role in determining how much the insurance will be for the car. Because experience is a big part of how well drivers judge distances and other drivers, insurance companies segment the age groups into the most likely to have an accident, which are usually teenagers, and the least likely, which are typically drivers over the age of 30. Even if a teenage driver is placed under his parent’s insurance policy, the bill will grow, however, there are some ways to counteract that. The main way is by the teenager having a “Good student” driver discount. This is given to teenage drivers who meet the insurance company’s grade standards, typically of A’s and B’s.

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