Lower Your 2014 Chevrolet Tahoe Car Insurance Rates

Perplexed by the number of car insurance sources available to you? Many other drivers are too. people have so many choices that it is a chore to find lower rates.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these techniques. Pricing the lowest cost coverage is simple if you know the tricks. Although vehicle owners need to learn how insurance companies market insurance on the web and apply this information to your search.

Lower rates by qualifying for discounts

Some insurance providers do not advertise their entire list of discounts in a way that’s easy to find, so the list below contains both the well known and also the more inconspicuous credits available to you.

• Early Signing – A few larger companies give discounts for renewing your policy prior to your current policy expiration. You could save around 10% when you buy auto insurance online.
• Telematics Data – Drivers who agree to allow their company to look at where and when they drive by installing a telematics device such as In-Drive from State Farm or Allstate’s Drivewise system might see lower rates if they have good driving habits.
• College Student – Any of your kids who attend college more than 100 miles from home and leave their car at home can receive lower rates.
• Defensive Driver Discount – Completing a driver safety course could save 5% or more depending on where you live.
• Low Mileage Discounts – Driving fewer miles may enable drivers to earn better prices on cars that stay parked.
• Multi-policy Discount – When you have multiple policies and insure them both with the same insurance company you could save approximately 10% to 15%.
• Homeowners Pay Less – Owning your own home or condo can help you save on insurance due to the fact that maintaining a home requires personal responsibility.
• Driver’s Education for Students – Have your child successfully complete driver’s ed class if offered at their school.
• Passive Restraint Discount – Vehicles equipped with air bags or automatic seat belts can receive discounts of 20 to 30 percent.

While discounts sound great, it’s important to understand that some of the credits will not apply to the entire cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So when it seems like you would end up receiving a 100% discount, nobody gets a free ride. But all discounts will bring down the amount you pay for coverage.

To see insurance companies with significant discounts, follow this link.

Buy insurance online

To find low cost prices, there are a couple of ways to get quotes from many different insurance companies. The recommended way to lower the rate you pay for Chevy Tahoe insurance consists of obtaining rate quotes online. It’s really quite simple and can be done using a couple different methods.

The first (and easiest) way consumers can make multiple comparisons is a comparison rater form click here to open form in new window. This easy form prevents you from having to do separate forms for every insurance company. One quote request gets coverage cost estimates from multiple low-cost companies. It’s the fastest way to compare.

Another way to analyze rates is spending the time to visit the website for every company you want to comare and fill out their own quote form. For sake of this example, we’ll assume you want comparison quotes from State Farm, Liberty Mutual and Allstate. In order to get each rate, you would have to navigate to each company’s site and enter your information, which can get old fast. For a list of links to insurance companies in your area, click here.

It’s up to you which method you use, but be certain you are entering nearly identical coverages and limits with every price quote. If your comparisons have unequal deductibles or liability limits it’s not possible to determine the lowest rate for your Chevy Tahoe. Quoting even small variations in coverages may cause a big price difference. And when price shopping your coverage, comparing more company’s prices will increase your chances of finding a better price. Some companies don’t provide quotes online, so it’s necessary to compare prices from those companies as well.

Insurance coverage is unique, just like you

When it comes to choosing the right insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

For instance, these questions can aid in determining whether your personal situation would benefit from an agent’s advice.

• What if I total my 2014 Chevy Tahoe and owe more than it’s worth?
• Am I covered if I wreck a rental car?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I need PIP (personal injury protection) coverage in my state?
• When does my teenage driver need to be added to my policy?
• Which companies will insure high-risk drivers?
• Am I covered if my car is in a flood?
• What should my uninsured motorist coverage limits be in my state?
• When should I drop full coverage on my 2014 Chevy Tahoe?
• How high should deductibles be on a 2014 Chevy Tahoe?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form.

Insurance coverages explained

Having a good grasp of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family and also any damage incurred to your Chevy Tahoe.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family. Frequently your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Liability coverages

This protects you from damage or injury you incur to other’s property or people in an accident. It protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for claims like pain and suffering, repair costs for stationary objects and medical expenses. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Auto collision coverage

Collision insurance pays to fix your vehicle from damage from colliding with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers things like hitting a parking meter, crashing into a building, rolling your car, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as EMT expenses, nursing services, chiropractic care and prosthetic devices. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

Comprehensive insurance pays for damage that is not covered by collision coverage. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things like rock chips in glass, falling objects, fire damage, damage from getting keyed and damage from flooding. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

One last thing

People who switch companies do it for a variety of reasons including not issuing a premium refund, high rates after DUI convictions, questionable increases in premium or denial of a claim. Whatever your reason, choosing a new company can be pretty painless.

We just covered many ideas to lower your 2014 Chevy Tahoe insurance rates. The most important thing to understand is the more you quote auto insurance, the higher the chance of saving money. You may even find the lowest rates are with the least-expected company.

When searching for low cost auto insurance quotes, it’s very important that you do not skimp on coverage in order to save money. In too many instances, an insured dropped full coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to buy the best coverage you can find at a price you can afford, but do not sacrifice coverage to save money.

For more information, link through to the articles below:

• What if I Can’t Find Coverage? (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• Understanding your Policy (NAIC.org)
• Information for Teen Drivers (Geico)