1995 Chevrolet Tahoe Car Insurance Quotes – 10 Tips for Best Rates

Buyers have a choice when searching for the best price on Chevy Tahoe insurance. You can either waste hours contacting agents to get rate comparisons or use the internet to find the lowest rates.

There is a better way to shop for insurance so we’re going to tell you the quickest way to compare rates for your Chevy and find the cheapest rates from local insurance agents and online providers.

It’s a great practice to do rate comparisons before your policy renews because insurance prices go up and down regularly. Even if you got the best rates on Tahoe coverage six months ago a different company probably has better premium rates today. Ignore everything you know about insurance because I’m going to teach you how to use the internet to find better rates and still maintain coverage.

Cheap car insurance rates with discounts

Some insurers don’t always advertise every discount they offer in an easy-to-find place, so the following is a list of a few of the more common and the more hidden ways to save on car insurance.

• Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
• Auto/Home Discount – When you have multiple policies with one insurance company you could save up to 20% off your total premium.
• Pay Early and Save – If paying your policy premium upfront rather than paying monthly you may have a lower total premium amount.
• College Student – Youth drivers who live away from home to go to college and leave their car at home could qualify for this discount.
• Paperwork-free – Certain car insurance companies give back up to $50 for buying a policy and signing up on their website.
• Air Bags and Passive Restraints – Factory options such as air bags can receive discounts of up to 25% or more.
• Include Life Insurance and Save – Larger companies have a discount if you purchase a life policy as well.
• Theft Deterent – Vehicles that have factory alarm systems and tracking devices are stolen less frequently so companies will give you a small discount.
• Telematics Data Discounts – Drivers that enable their insurance company to monitor driving manner by using a telematic data system such as Progressive’s Snapshot may see discounts if they have good driving habits.
• Buy New and Save – Buying a new car model can cost up to 25% less since new model year vehicles are generally safer.

As is typical with insurance, most discounts do not apply the the whole policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you could get a free car insurance policy, you won’t be that lucky.

Large car insurance companies and their possible discounts are outlined below.

• Progressive offers discounts including homeowner, multi-policy, multi-vehicle, online signing, and good student.
• AAA discounts include good student, pay-in-full, education and occupation, multi-car, anti-theft, good driver, and multi-policy.
• Farmers Insurance may include discounts for pay in full, electronic funds transfer, teen driver, early shopping, homeowner, and switch companies.
• Geico has discounts for multi-policy, defensive driver, good student, federal employee, and air bags.
• Esurance offers premium reductions for online shopper, good student, multi-car, Pac-12 alumni, anti-theft, and Switch & Save.
• SAFECO may have discounts that include teen safe driver, teen safety rewards, safe driver, accident prevention training, drive less, multi-car, and homeowner.
• State Farm has savings for defensive driving training, driver’s education, Drive Safe & Save, student away at school, and safe vehicle.

Before you buy a policy, ask all the companies what discounts are available to you. Some of the discounts discussed earlier might not be offered on policies in your area.

Ways to get insurance coverage rate quotes

Lowering your 1995 Chevy Tahoe insurance coverage rates is a fairly straight forward process. All you need to do is spend a few minutes comparing free insurance quotes online from several insurance companies. It is quite easy and can be accomplished by following the guidelines below.

• One of the fastest ways to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This method keeps you from doing separate quote forms for every prospective company. In just a few minutes this one form gets you coverage quotes direct from many companies. It’s definitely the quickest method.
• A harder way to get quotes online is going to the website for every company you want to comare and request a quote. For example, let’s say you want to see prices from Auto-Owners, Allstate and State Farm. To find out each rate you need to take the time to go to each site and type in your information over and over, and that’s why the first method is more popular. To view a list of companies in your area, click here.
• The least efficient and most time consuming method to get comparison rates is driving around to all the different insurance agencies. The ability to get quotes online can eliminate the need for a local agent unless you’re the type of person who wants the personal advice that you can only get from talking to an agent. Drivers can compare the best prices online but have your policy serviced through an agent.

Take whichever approach you prefer, but ensure you’re using equivalent coverages and limits on every price quote you get. If your comparisons have different coverage information it will be next to impossible to make an equal comparison.

Tailor your insurance coverage coverage to you

When choosing adequate coverage, there isn’t really a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that might help in determining if your situation will benefit from professional help.

• Which is better, split liability limits or combined limits?
• Should I carry comprehensive and collision coverage?
• When can I cancel my policy?
• Does my 1995 Chevy Tahoe qualify for pleasure use?
• Do I need added coverage for expensive stereo equipment?
• Where can I find DUI or SR-22 insurance?
• What is PIP insurance?
• If my 1995 Chevy Tahoe is totaled, can I afford another vehicle?
• Do I really need UM/UIM coverage?

If you can’t answer these questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form. It only takes a few minutes and may give you better protection.

Specifics of your car insurance policy

Learning about specific coverages of your car insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses such as prosthetic devices, hospital visits, X-ray expenses and surgery. They are used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a mailbox, colliding with another moving vehicle, sideswiping another vehicle and crashing into a building. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Tahoe.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverages

This provides protection from injuries or damage you cause to people or other property in an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against claims like pain and suffering, repair bills for other people’s vehicles, funeral expenses and bail bonds. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a broken windshield, hail damage, damage from a tornado or hurricane, hitting a bird and rock chips in glass. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

A little work can save a LOT of money

Budget-friendly insurance coverage is definitely available online in addition to many insurance agents, so you need to quote insurance with both so you have a total pricing picture. Some insurance coverage companies may not provide online rate quotes and these small insurance companies work with independent insurance agencies.

As you prepare to switch companies, do not buy less coverage just to save a little money. There have been many situations where drivers have reduced uninsured motorist or liability limits only to find out that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at an affordable rate.

We just showed you a lot of ways to save on 1995 Chevy Tahoe insurance. The key thing to remember is the more rate quotes you have, the higher your chance of finding affordable insurance. Drivers may discover the lowest car insurance rates come from some of the lesser-known companies.

For more information, take a look at these articles:

• Child Safety Seats (Insurance Information Insitute)
• Collision Insurance Coverage (Nationwide)
• Vehicle Insurance (Wikipedia)
• Young Drivers: The High Risk Years Video (iihs.org)