2010 Chevrolet Tahoe Hybrid Insurance Rates – 7 Policy Discounts

Searching for lower insurance rates for your Chevrolet Tahoe Hybrid? Feel like you have an overpriced insurance policy? Don’t feel bad because many consumers are feeling buyer’s remorse and feel like there’s no way out. Online insurance companies like Allstate, Liberty Mutual and State Farm continually hit you with TV and radio ads and it can be hard to see through the cute green geckos and mayhem and do the work needed to find the best deal.

How much is auto insurance?

Getting a cheaper price on 2010 Chevy Tahoe Hybrid insurance is pretty simple and can save money. The only thing you need to do is take time to compare free insurance coverage quotes provided by online insurance companies. This can be accomplished by using one of the methods below.

The most recommended method consumers can analyze rates is an all-inclusive rate comparison click to view form in new window. This style of form keeps you from doing a different quote to each individual auto insurance company. One form gets you coverage quotes direct from many companies.

A more difficult way to analyze rates is going to each company’s website and go through the quote process again. For sake of this example, let’s say you want comparison quotes from Farmers, Safeco and Travelers. To find out each rate you need to go to every website and enter your information, which explains why we recommend starting with the first method. For a list of links to insurance companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but double check that you are using the same coverage limits on every quote you get. If the quotes have different liability limits you will not be able to make a fair comparison for your Chevy Tahoe Hybrid.

Cheap car insurance quotes with discounts

Insuring your fleet can be pricey, but there may be some discounts that can dramatically reduce your bill. Certain discounts will be triggered automatically at the time you complete a quote, but lesser-known reductions have to be requested specifically before being credited.

• Defensive Driver Discounts – Taking a defensive driving course could cut 5% off your bill and easily pay for the cost of the class.
• Braking Control Discount – Vehicles with ABS and/or traction control have fewer accidents so companies give up to a 10% discount.
• Discount for Home Ownership – Owning your own home or condo may trigger a policy discount on car insurance because owning a home is proof of financial responsibility.
• Senior Citizen Discount – Seniors may be able to get better car insurance rates for Tahoe Hybrid coverage.
• Resident Student – Kids who live away from home at college and do not have access to a covered vehicle could qualify for this discount.
• Waiver for an Accident – This isn’t a discount exactly, but a handful of insurance companies permit an accident before raising your premiums if you have no claims prior to the accident.
• Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class as it can save substantially.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given to all coverage premiums. Some only apply to specific coverage prices like physical damage coverage or medical payments. So despite the fact that it appears you could get a free car insurance policy, you aren’t that lucky.

A list of companies and a partial list of their discounts are detailed below.

• Progressive offers discounts including multi-policy, homeowner, online signing, continuous coverage, good student, online quote discount, and multi-vehicle.
• SAFECO offers premium reductions for accident prevention training, drive less, teen safety rewards, homeowner, bundle discounts, and safe driver.
• American Family may have discounts that include early bird, TimeAway discount, mySafetyValet, Steer into Savings, multi-vehicle, accident-free, and good driver.
• MetLife policyholders can earn discounts including good student, good driver, claim-free, defensive driver, accident-free, and multi-policy.
• Geico has discounts for multi-vehicle, multi-policy, membership and employees, five-year accident-free, and federal employee.
• The Hartford may include discounts for driver training, bundle, anti-theft, air bag, defensive driver, and good student.

When getting a coverage quote, ask every company to apply every possible discount. Some of the discounts discussed earlier might not be offered everywhere. To find insurance companies that can offer you the previously mentioned discounts, follow this link.

Tailor your car insurance coverage to you

When choosing the right insurance coverage, there really is no single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight if your insurance needs would benefit from professional advice.

• Does my insurance cover damage caused when ticketed for reckless driving?
• Should I drop comprehensive coverage on older vehicles?
• Do I have coverage for damage caused while driving under the influence?
• Why am I be forced to buy a membership to get insurance from some companies?
• Is my Chevy Tahoe Hybrid covered if I use it for business?
• Is a fancy paint job covered?
• Is my trailer covered?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an agent. If you want to speak to an agent in your area, take a second and complete this form or click here for a list of car insurance companies in your area. It is quick, free and may give you better protection.

Can you really save that much by switching?

Consumers can’t get away from ads for cheaper insurance coverage by Geico, State Farm and Progressive. They all advertise the message of big savings if you move to their company.

How do they all offer you a better deal? This is the trick they use.

Most companies give the best rates for the type of customer that will generate a profit. For example, a profitable risk profile may be between the ages of 30 and 50, has a low-risk occupation, and drives a car with an anti-theft system. Anybody who fits that profile will get low prices and will also save if they switch.

Consumers who do not fit these standards may be required to pay a higher premium which translates to business not being written. The ads say “people that switch” not “everybody who quotes” save money. That’s the way companies can truthfully state the savings.

This really illustrates why it is so important to compare many company’s rates. It’s just not possible to know which insurance companies will fit you best based on your risk profile.

Car insurance specifics

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages available from car insurance companies.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like prosthetic devices, X-ray expenses and hospital visits. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision – This coverage pays for damage to your Tahoe Hybrid caused by collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as crashing into a building, rolling your car, crashing into a ditch, colliding with another moving vehicle and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Liability auto insurance – Liability coverage provides protection from damages or injuries you inflict on other people or property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims like emergency aid, structural damage, pain and suffering, bail bonds and attorney fees. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Comprehensive coverages – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like theft, fire damage and hitting a bird. The highest amount you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Uninsured and underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Tahoe Hybrid.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Compare but don’t skimp

When buying insurance coverage, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where an accident victim reduced collision coverage to discover at claim time they didn’t have enough coverage. The aim is to find the BEST coverage at the best price, but do not sacrifice coverage to save money.

Budget-friendly insurance is definitely available online as well as from insurance agents, so you need to quote insurance coverage with both to have the best rate selection. Some insurance companies do not provide internet price quotes and most of the time these small, regional companies only sell through independent agencies.

Other resources

• Vehicle Size and Weight FAQ (iihs.org)
• Comprehensive Coverage (Liberty Mutual)
• Top Signs Your Brakes are Giving Out (State Farm)
• Coverage Information (Progressive Insurance)
• How to Avoid Staged Accidents (State Farm)