2008 Chevrolet Tahoe Insurance Rates

Trying to find better auto insurance rates for your Chevrolet Tahoe? Searching for the lowest cost auto insurance over the internet can appear to be challenging for beginners to buying their auto insurance on the internet. With a ridiculous number of insurers available, how are drivers able to effectively compare them all to find the best price?

It is always a good idea to take a look at other company’s rates yearly because auto insurance prices are constantly changing. If you had the lowest price on Tahoe insurance a year ago there may be better deals available now. Block out anything you think you know about auto insurance because you’re about to learn the fastest and easiest way to save on auto insurance.

Learn how to lower your insurance prices

Multiple criteria are part of the calculation when you get your auto insurance bill. Some are obvious such as your driving history, although some other factors are less apparent such as your marital status and annual miles driven.

• Lower stress equals lower rates – Occupations such as lawyers, executives and dentists are shown to have higher average rates due to intense work-related stress and lengthy work days. Other careers such as farmers, historians and the unemployed have lower than average premiums on Tahoe insurance.
• Which gender costs less? – Statistics demonstrate women are more cautious behind the wheel. However, don’t assume that women are BETTER drivers than men. Women and men cause at-fault accidents in similar percentages, but guys tend to have more serious accidents. Men also tend to get more serious tickets such as driving while intoxicated (DWI) or driving recklessly.
• How’s your driving record? – Having a clean driving record impacts your car insurance rates tremendously. Just one chargable violation may cause rates to rise by as much as thirty percent. Drivers with clean records pay less for auto insurance than people who have multiple driving citations. Drivers who get dangerous tickets like DUI or willful reckless driving may need to submit a SR-22 form with their state’s licensing department in order to drive a vehicle legally.
• Discounts for auto and home policies – Most larger insurers allow better rates for people that buy multiple policies in the form of a multi-policy discount. Discounts can amount to anywhere from five to ten percent in most cases. Even if you already get this discount, it’s in your best interest to get quotes from other companies to help guarantee you have the best rates. Consumers may find lower rates by buying insurance from more than one company.
• Safety first – Vehicles with good safety scores are cheaper to insure. Vehicles built for safety protect occupants better and reduced instances of injuries means your insurance company pays less and thus lower rates.
• Where do you drive? – The higher the miles on your Chevy annually the higher your rates will be. A lot of insurance companies rate vehicles determined by how the vehicle is used. Autos that do not get driven very much can get a lower rate than vehicles that are driven to work every day. Having an incorrect usage rating on your Tahoe may be costing you higher rates. Double check that your car insurance policy reflects the correct usage for each vehicle, because it can save money.
• Your age impacts your rates – Teen drivers tend to be more careless in a vehicle therefore car insurance rates are much higher. If you’ve ever had to add a teen driver onto a policy will cause a huge premium hike. More experienced drivers are more responsible, cause fewer claims and accidents and tend to be get fewer driving tickets.
• City dwellers may pay more – Residing in areas with lower population has definite advantages when talking about car insurance. Fewer people means fewer accidents and also fewer theft and vandalism claims. Residents of big cities have to deal with congested traffic and longer commute times. Higher commute times translates into higher accident risk.

Get lower rates by taking advantage of discounts

Auto insurance companies don’t list all available discounts in an easy-to-find place, so we researched both the well known and also the more inconspicuous savings tricks you should be using when you buy insurance online.

• Include Life Insurance and Save – Some insurance companies give a break if you buy life insurance.
• Data Collection Discounts – Insureds that choose to allow their auto insurance company to monitor when and where they use their vehicle by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot could possibly reduce rates as long as they are good drivers.
• Good Student – Getting good grades can get you a discount of up to 25%. You can use this discount normally until age 25.
• Accident Waiver – Not necessarily a discount, but a handful of insurance companies will forgive one accident before they charge you more for coverage so long as you are claim-free for a particular time prior to the accident.
• Paperwork-free – Certain insurance companies give back up to $50 simply for signing online.
• New Vehicle Savings – Adding a new car to your policy is cheaper since newer vehicles have better safety ratings.

Keep in mind that most discount credits are not given the the whole policy. Some only reduce specific coverage prices like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, companies wouldn’t make money that way. But any discount will definitely reduce the amount you have to pay.

A list of auto insurance companies and a selection of discounts can be read below.

• The Hartford has savings for air bag, driver training, anti-theft, good student, and defensive driver.
• American Family has discounts for good driver, bundled insurance, air bags, TimeAway discount, early bird, multi-vehicle, and good student.
• Progressive may include discounts for multi-policy, homeowner, online quote discount, online signing, good student, and continuous coverage.
• Travelers may offer discounts for student away at school, payment discounts, IntelliDrive, multi-car, continuous insurance, and driver training.
• Farmers Insurance offers discounts for early shopping, youthful driver, business and professional, alternative fuel, and homeowner.
• USAA may have discounts that include driver training, safe driver, vehicle storage, multi-vehicle, and multi-policy.
• Liberty Mutual offers discounts including new move discount, hybrid vehicle, new graduate, exclusive group savings, teen driver discount, multi-policy, and newly retired.

If you need lower rates, check with each company what discounts are available to you. Some credits may not apply to policies in your state. To locate insurers who offer auto insurance discounts, click this link.

Auto insurance advertisements

Respected companies like Allstate, Geico and Progressive consistently run ads on television and other media. All the ads say the same thing that you can save if you just switch your policy. That’s great but how can every company claim to save you money? It’s all in how they say it.

Most companies have an ideal profile for the type of driver they prefer to insure. For example, this type of risk profile could possibly be a female over age 40, carries full coverage, and has excellent credit. A driver who fits those characteristics will probably get cheap car insurance rates as well as save some money.

Potential customers who fall outside the “perfect” profile must pay more expensive rates with the end result being the customer buying from someone else. The ads say “customers who switch” but not “all drivers who get quotes” save that much money. That’s the way insurance companies can confidently advertise the way they do.

Because of these techniques, you absolutely need to compare as many free insurance quotes as you can. It is just not possible to predict which insurance companies will have the best premium rates.

How much car insurance do I need?

When choosing coverage, there isn’t really a cookie cutter policy. Every insured’s situation is different.

For instance, these questions can help discover if your insurance needs may require specific advice.

• Does my insurance cover damage caused when ticketed for reckless driving?
• Is my camper covered by my car insurance policy?
• Should I buy only the required minimum liability coverage?
• Can my babysitter drive my car?
• What is the difference between comprehensive and collision coverage?
• When should I remove comp and collision on my 2008 Chevy Tahoe?
• Am I covered when using my vehicle for business?
• If my pet gets injured in an accident are they covered?
• What are the best liability limits?

If you can’t answer these questions, you might consider talking to a licensed agent. To find an agent in your area, complete this form.

Specific coverage details

Knowing the specifics of insurance helps when choosing appropriate coverage for your vehicles. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. It can pay for hospital bills for your injuries as well as damage to your Chevy Tahoe.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages should not be overlooked. Normally these coverages are identical to your policy’s liability coverage.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like doctor visits, surgery and dental work. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants as well as any family member struck as a pedestrian. Personal Injury Protection is not available in all states and may carry a deductible

Auto liability – This coverage will cover damages or injuries you inflict on other’s property or people in an accident. It protects you from legal claims by others. It does not cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as structural damage, repair costs for stationary objects, loss of income and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as much as you can afford.

Comprehensive coverages – Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers claims such as damage from getting keyed, damage from flooding and hail damage. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – This covers damage to your Tahoe resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things such as hitting a parking meter, sustaining damage from a pot hole and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Be a Smart Shopper

In this article, we presented many ideas to get a better price on 2008 Chevy Tahoe insurance. The most important thing to understand is the more companies you get rates for, the higher your chance of finding cheap insurance. You may be surprised to find that the best prices are with the least-expected company.

Drivers change insurance companies for a number of reasons such as extreme rates for teen drivers, delays in responding to claim requests, delays in paying claims and questionable increases in premium. It doesn’t matter what your reason, finding the right car insurance provider can be easier than you think.

Cost effective 2008 Chevy Tahoe insurance is definitely available from both online companies and from local agencies, so you need to shop insurance with both in order to have the best chance of saving money. Some insurance providers may not provide online rate quotes and many times these small insurance companies only sell through local independent agencies.

More tips and info about car insurance is available in the articles below:

• Auto Insurance Basics (Insurance Information Insitute)
• Distracted Driving (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)
• Airbag FAQ (iihs.org)