Cheap 2014 Chevrolet Traverse Insurance Quotes

Want cheaper car insurance rates for your Chevrolet Traverse? Trying to find cheaper insurance for a Chevy Traverse can turn out to be an all-consuming task, but you can use our car insurance buying tips and make it easy. There is a better way to buy car insurance and you need to know the proper way to quote coverages for your Chevy and obtain the cheapest rates from local insurance agents and online providers.

It’s a good habit to compare rates quite often since insurance prices are constantly changing. Even if you got the lowest rates on Traverse insurance two years ago there may be better deals available now. Forget all the misinformation about car insurance because I’m going to teach you the things you must know in order to remove unneeded coverages and save money.

Take advantage of every insurance coverage discount

Companies don’t always list every policy discount very well, so the list below details a few of the more well known as well as the least known credits that may apply to you.

• Low Mileage Discounts – Low annual miles could earn better premium rates on cars that stay parked.
• Policy Bundle Discount – If you have multiple policies and insure them both with the same insurance company you could get a discount of 10% to 20% off each policy.
• Responsible Driver Discounts – Accident-free drivers can pay as much as 50% less on Traverse insurance as compared to drivers with claims.
• Driving Data Discount – Policyholders that allow driving data collection to study driving manner by using a telematics device like In-Drive from State Farm and Progressive’s Snapshot could save a few bucks as long as the data is positive.
• Braking Control Discount – Cars with anti-lock braking systems prevent accidents so you can save 10 percent or more.
• Save over 55 – Older drivers can get a small discount on rates on Traverse insurance.
• Distant College Student Discount – Older children who live away from home at college and won’t have access to an insured vehicle can be insured at a reduced rate.
• Savings for New Vehicles – Buying a new car model can save you some money since new model year vehicles are generally safer.
• Homeowners Pay Less – Simply owning a home can save a few bucks due to the fact that maintaining a home is proof of financial responsibility.
• Good Student Discount – A discount for being a good student may save you up to 25%. Earning this discount can benefit you well after school through age 25.

Just know that some of the credits will not apply to the entire policy premium. Most only cut the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

The best insurance coverage companies and some of the discounts can be found below.

• American Family has savings for defensive driver, Steer into Savings, good student, good driver, accident-free, early bird, and bundled insurance.
• Farm Bureau discounts include multi-vehicle, multi-policy, youthful driver, 55 and retired, driver training, and good student.
• State Farm may have discounts that include Drive Safe & Save, safe vehicle, multiple autos, accident-free, good driver, and defensive driving training.
• Travelers may offer discounts for hybrid/electric vehicle, driver training, save driver, continuous insurance, new car, good student, and student away at school.
• The Hartford offers premium reductions for anti-theft, driver training, good student, bundle, and vehicle fuel type.
• Geico offers discounts for military active duty, multi-policy, federal employee, emergency military deployment, defensive driver, and seat belt use.
• Progressive offers discounts including online signing, multi-vehicle, homeowner, good student, multi-policy, online quote discount, and continuous coverage.

Before buying, ask each company which credits you are entitled to. Some credits might not apply in your area. If you would like to choose from a list of companies that offer some of these discounts, click here.

How to find low cost car insurance

Performing a rate comparison is a ton of work if you aren’t aware of the most efficient way to do it. You can waste a lot of time discussing policy coverages with insurance companies in your area, or you can utilize the web to get rate comparisons in just a few minutes.

Many of the larger companies belong to an insurance system that enables customers to send in one quote, and at least one company then returns a price quote for coverage. This saves time by eliminating quotation requests to every company. To find out what other companies charge click here to open in new window.

The one disadvantage to using this type of system is you cannot specify the providers you want pricing from. So if you want to choose individual companies to compare rates, we have a page of companies who write car insurance in your area. View list of insurance companies.

Whichever method you choose, do your best to enter exactly the same information on every quote. If each company quotes different limits and deductibles on each one it will be very difficult to find the best deal for your Chevy Traverse.

Smart consumers save money

One of the most helpful ways to save on insurance coverage is to to have a grasp of some of the things that help calculate the level of your policy premiums. When you know what positively or negatively influences your rates, this enables informed choices that may reward you with cheaper rates. Many things are used when you quote your car insurance policy. Some of the criteria are obvious such as your driving record, although some other factors are more transparent such as your credit history or how financially stable you are.

• Increase physical damage deductibles and save – Comprehensive and collision coverage deductibles are the amount of money you are willing to pay before a claim is paid by your company. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, protects your car from damage. Examples of some claims that would be covered could be rearending another vehicle, damage caused by hail, and damage from wind. The more of the claim you choose to pay out-of-pocket, the bigger discount you will receive on Traverse insurance.
• High insurance claims frequency drives up prices – Insurance companies give lower rates to drivers who do not file claims often. If you tend to file frequent claims, you can expect higher premiums or even policy non-renewal. Your car insurance is intended to be relied upon for larger claims.
• Are you male or female? – The statistics show women tend to be less risk to insure than men. It does not mean females are better at driving than males. Females and males cause at-fault accidents in similar percentages, but men have costlier accidents. They also get ticketed for serious violations such as DWI and reckless driving.
• Teen driver insurance premiums – Teenage drivers have a tendency to be easily distracted behind the wheel therefore insurance coverage rates are much higher. Older people are more cautious drivers, tend to file fewer claims , and are generally more financially stable.

How to know if you need help

When choosing coverage for your vehicles, there isn’t really a “best” method to buy coverage. Every situation is different.

These are some specific questions can help discover whether or not you might need professional guidance.

• Do I have coverage if my license is suspended?
• Should I carry comprehensive and collision coverage?
• Does my insurance cover a custom paint job?
• Am I covered when delivering products for my home-based business?
• Do I need more liability coverage?
• How can I get my company to pay me more for my totalled car?
• Is other people’s property covered if stolen from my vehicle?
• Are rental cars covered under my policy?
• Am I covered if I break a side mirror?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.

Specifics of your auto insurance policy

Knowing the specifics of auto insurance can help you determine the best coverages for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive auto insurance – This covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from flooding, hail damage, damage from getting keyed and rock chips in glass. The maximum amount you’ll receive from a claim 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.

Auto liability – Liability insurance can cover damages or injuries you inflict on other’s property or people in an accident. This coverage protects you from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability coverage pays for things like court costs, emergency aid, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses such as ambulance fees, chiropractic care, surgery and pain medications. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and may carry a deductible

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of 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.

Collision coverages – Collision insurance pays for damage to your Traverse from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as hitting a mailbox, driving through your garage door, rolling your car and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Saving money makes a lot of cents

Consumers leave their current company for a number of reasons such as delays in paying claims, high prices, being labeled a high risk driver and even lack of trust in their agent. It doesn’t matter what your reason, finding a great new company can be pretty painless.

In this article, we presented many ways to lower your 2014 Chevy Traverse insurance prices. The key concept to understand is the more companies you get rates for, the better chance you’ll have of finding affordable auto insurance. Drivers may discover the lowest prices come from a small mutual company.

When trying to cut insurance costs, never buy poor coverage just to save money. In many instances, an accident victim reduced comprehensive coverage or liability limits only to regret at claim time that they should have had better coverage. Your focus should be to buy a smart amount of coverage at the best price, but do not skimp to save money.

Additional information can be read at these links:

• Teen Driver Statistics (Insurance Information Insitute)
• What to do at the Scene of an Accident (Insurance Information Insitute)
• Tools for Teen Driving Safety (State Farm)
• How Can I Save Money on Auto Insurance? (Insurance Information Insitute)
• Shopping for a Safe Car (Insurance Information Insitute)
• Rollover Crash FAQ (iihs.org)