2004 Chevrolet Tahoe Car Insurance Quotes – 9 Discounts for Cheaper Rates

Looking for better insurance rates for your Chevrolet Tahoe? Trying to come up with a payment for overpriced insurance can diminish your family’s budget and force you to tighten up your finances. Numerous auto insurance companies battle to insure your vehicles, and it can be difficult to compare rates and uncover the absolute cheapest price

It’s a good idea to check insurance prices occasionally because prices are variable and change quite frequently. Just because you had the best deal for Tahoe coverage last year you may be paying too much now. Ignore everything you know about insurance because you’re about to find out one of the easiest ways to lower your rates without sacrificing coverage.

If you have a policy now or are just looking to switch companies, you can learn to get lower rates while maximizing coverage. Buying car insurance is not rocket science. Vehicle owners just need to learn the proper methods to compare rates on the web.

Shop auto insurance online

Performing a rate comparison can be exhausting if you aren’t aware of the best way to get rate quotes. You can waste hours talking about coverages with insurance companies in your area, or you could use the web to maximize your effort.

Most of the larger companies enroll in a system that enables customers to complete one form, and at least one company can give them a price based on that information. This saves time by eliminating repetitive form submissions to every company.

To compare pricing click here to open in new window.

One minor caviat to using this type of form is that you can’t choose which companies you want pricing from. If you would rather choose individual companies to compare rates, we have assembled a list of companies who write auto insurance in your area. Click here to view list.

The method you choose is up to you, but do your best to enter exactly the same coverage data on every quote. If you use different liability limits it will be impossible to determine the best price for your Chevy Tahoe.

Tricks in car insurance advertising

Consumers can’t ignore all the ads that claim the best prices by Geico, State Farm and Progressive. They all seem to convey the message about how much you will save if you get a free insurance coverage quote and switch your car insurance policy to them.

How do they all sell you cheaper insurance coverage? It’s all in the words they use.

Insurance companies have a preferred profile for the right customer that will not have excessive claims. A good example of a desirable insured could be between the ages of 30 and 50, has had continuous coverage, and drives less than 7,500 miles a year. A propective insured that meets those criteria may get the lowest rates as well as save money with a new company.

Insureds who don’t meet this ideal profile will be charged higher premiums which leads to the customer buying from someone else. If you listen closely, the ads state “customers that switch” not “all people who quote” will save that much if they switch. That’s why insurance companies can confidently make those claims. This really drives home the point why you should compare many company’s prices. It is impossible to predict which car insurance company will have the lowest rate quotes.

Discounts can really help to save

The cost of insuring your cars can be expensive, but there may be some discounts that you may not know about. A few discounts will automatically apply at quote time, but some may not be applied and must be asked for before they will apply.

• Air Bag Discount – Vehicles equipped with air bags and/or automatic seat belt systems can qualify for discounts of 20% or more.
• Seat Belt Discounts – Forcing all vehicle occupants to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
• Early Switch Discount – A few car insurance companies offer discounts for signing up before your current policy expires. Ten percent is about the average savings.
• Good Grades Discount – Excelling in school can save 20 to 25%. You can use this discount normally up until you turn 25.
• Paper-free Discount – Many car insurance companies provide a small discount simply for signing digitally online.
• Telematics Data Discounts – Insureds that choose to allow driving data submission to scrutinize when and where they use their vehicle remotely like Drivewise from Allstate or In-Drive from State Farm may get a rate reduction if they show good driving skills.
• Low Mileage Discounts – Low annual miles may allow you to get substantially lower prices.
• Accident Free – Drivers who stay claim-free are rewarded with significantly better rates on insurance coverage quote in comparison with insureds who have frequent claims or accidents.
• Accident Waiver – Not really a discount, but certain companies allow you one accident before they charge you more for coverage as long as you don’t have any claims for a certain period of time.

Remember that most discounts do not apply to the entire policy premium. Some only reduce individual premiums such as liability and collision coverage. So even though they make it sound like it’s possible to get free car insurance, that’s just not realistic. But all discounts will definitely lower your policy premium.

To view car insurance companies that offer many of these discounts, follow this link.

Will just any policy work for me?

When buying adequate coverage, there really is no “perfect” insurance plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions could help you determine whether or not you might need professional guidance.

• Do I need PIP coverage since I have good health insurance?
• Why am I required to buy high-risk coverage?
• Is a new car covered when I drive it off the dealer lot?
• Will my insurance pay for OEM parts?
• Are rental cars covered under my policy?
• Should I buy more coverage than the required minimum liability coverage?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Car insurance 101

Understanding the coverages of insurance can be of help when determining the right coverages at the best deductibles and correct limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. These are the usual coverages offered by insurance companies.

Collision coverages – Collision insurance covers damage to your Tahoe resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision can pay for things like colliding with a tree, scraping a guard rail and crashing into a ditch. This coverage can be expensive, so consider dropping it from older vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage (or Other than Collision) – This coverage pays for damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as vandalism, hitting a deer, a broken windshield and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for bills like hospital visits, pain medications, nursing services and funeral costs. They are often utilized in addition to your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Liability – This can cover injuries or damage you cause to a person or their property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like bail bonds, attorney fees, legal defense fees, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries and also any damage incurred to your Chevy Tahoe.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

A fool and his money are soon parted

As you prepare to switch companies, it’s very important that you do not reduce coverage to reduce premium. There are too many instances where drivers have reduced physical damage coverage and discovered at claim time that a couple dollars of savings turned into a financial nightmare. Your focus should be to find the BEST coverage at the best possible price and still be able to protect your assets.

We just showed you many ways to save on 2004 Chevy Tahoe insurance. The most important thing to understand is the more providers you compare, the better your chances of lowering your rates. You may even discover the most savings is with a lesser-known regional company. These companies can often provide lower rates in certain areas than the large multi-state companies such as State Farm or Progressive.

For more information, link through to the following helpful articles:

• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Things to Know Before you Cancel Insurance (Allstate)
• Vehicle Size and Weight FAQ (iihs.org)
• Choosing an Insurance Company (Insurance Information Insitute)
• Keeping Children Safe in Crashes Video (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)