Have you had enough of scraping the payment together to insure your Chevy every month? Your situation is no different than many other drivers.
Consumers have many insurance companies to choose from, and although it’s nice to have a choice, more options can take longer to compare rates and cut insurance costs.
Consumers need to do price comparisons at least once a year since insurance rates fluctuate regularly. Just because you had the best premium rates for Tahoe insurance a year ago a different company probably has better prices today. Ignore everything you know about insurance because we’re going to demonstrate one of the best ways to save money, get proper deductibles and limits, all at the lowest rate.
Most of the larger companies provide coverage prices on their websites. Doing online price comparisons is easy for anyone as you simply type in the amount of coverage you want as requested by the quote form. When the form is submitted, their quoting system automatically orders information on your driving record and credit history and provides a quote based on the information you submitted. Quoting online helps simplify price comparisons, but having to visit multiple sites and type in the same information is repetitive and time-consuming. But it’s also necessary to have as many quotes as possible if you want to get better prices.
There is a better way!
The easiest way to find cheaper rates utilizes a single form that gets price quotes from several different companies. It’s a real time-saver, eliminates form submissions, and makes comparison shopping much more enjoyable. Immediately after you send the form, your coverage is rated and you can select any one of the price quotes you receive. If one or more price quotes are lower than your current rates, you can click and sign and purchase coverage. The entire process takes just a few minutes to complete and may result in a nice savings.
To fill out one form to compare multiple rates now, simply click here to open in new window and enter your information. To compare your current rates, we recommend that you enter the coverage information as close as possible to your current policy. Doing this assures you will have a fair comparison for the exact same coverage.
Insuring your vehicles can cost a lot, but you might find some hidden discounts that many people don’t even know exist. Some discounts apply automatically when you complete an application, but lesser-known reductions have to be specifically requested prior to getting the savings. If they aren’t giving you every credit possible, you could be getting lower rates.
As a sidenote, most credits do not apply to the entire policy premium. Most only cut specific coverage prices like liability and collision coverage. If you do the math and it seems like you could get a free car insurance policy, it just doesn’t work that way.
A few popular companies and some of the premium reductions they offer are detailed below.
It’s a good idea to ask all the companies which credits you are entitled to. All car insurance discounts may not apply to policies in your area.
When it comes to buying the best insurance coverage coverage, there isn’t really a “best” method to buy coverage. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For instance, these questions can help discover if you would benefit from professional advice.
If you’re not sure about those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.
Learning about specific coverages of your insurance policy can help you determine appropriate coverage and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. These are typical coverage types offered by insurance companies.
Protection from uninsured/underinsured drivers
Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include injuries to you and your family and damage to your 2015 Chevy Tahoe.
Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.
Liability coverage
Liability coverage protects you from damage or injury you incur to a person or their property by causing an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery.
Liability coverage protects against claims such as structural damage, court costs and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.
Comprehensive (Other than Collision)
Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims such as a broken windshield, damage from flooding, hitting a bird and vandalism. The highest amount a insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.
Collision insurance
Collision insurance covers damage to your Tahoe from colliding with another vehicle or an object, but not an animal. A deductible applies and the rest of the damage will be paid by collision coverage.
Collision coverage pays for things like hitting a mailbox, sideswiping another vehicle and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.
Medical expense insurance
Med pay and PIP coverage reimburse you for immediate expenses such as doctor visits, nursing services, funeral costs, hospital visits and X-ray expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Coverage applies to all vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay
Aundrea Mcdowell
I live in a small town just outside of Los Angeles, California. Got quotes from Progressive, AIG Insurance, Encompass, and Liberty Mutual for my Chevrolet and I’m now saving $60 a month. Can still barely afford it.
Candance Bradford
Just my two cents. Lifelong resident of Indianapolis, IN. I quoted with Progressive, Eastwood, and Hartford for my Chevrolet and saved around $330 a year. Was with State Farm. I have kids on my policy, too.
Eldora Sawyer
Lots of useful info here. I’m from Baltimore, Maryland. Received quotes from Auto-Owners, Mercury, and a few others for my Tahoe and I think I am saving around $20 each month. Was with Hanover. Not sure if rates are cheaper online or through an agent.
Karl Hunt
I switched to Progressive. Quoted good rates in Fort Smith, AR. Left State Farm to switch. Highly recommended.
Cythia Joyner
What is Underinsured Motorist coverage?
India Haynes
Nice post. From east side of Columbus, GA. Got free quotes online for a 2015 Chevrolet Tahoe. Ended up at about $370 savings annually. Went with GEICO. They were helpful in switching over.
Nina Powers
How are claims handled by State Farm around Rockford, Illinois?
Delia Mathis
In Bismarck, North Dakota, AAA had the best rates for my 2015 Chevrolet Tahoe. Not sure about claim service.
Malia Kirkland
If you’re a decent driver and are close to Albuquerque, NM, check out 21st Century. You might save some money. Was with Encompass. Even increased coverage a bit. Not sure if rates are cheaper online or through an agent.
Dorothy Sparks
Can I get replacement cost coverage for a 2015 Chevrolet Tahoe?
Bryanna Riley
Why are claims settled so low?
Kip Solis
I live on the east side of Tulsa, Oklahoma. I compared lots of rates. Saved about $70 a month. Allstate was the best choice for me. Insured with The General before. They have free quotes online.
Kalyn Harrell
From a town just southwest of Des Moines, IA, and Allstate rates were best. Thankfully I have a good driving record.
Sheryl Raymond
Live in New Haven, CT. I quoted with Progressive, Encompass, and The General for my Tahoe and I think I cut my rates about $50 each month. You can get a rate quote online.
Kimberli Frazier
I’m from Fort Smith, Arkansas. I quoted with GEICO, The General, and Encompass for my Tahoe and saved just over $410 a year. Was with Mercury. I recommend comparing lots of rates.
Karyl Osborn
I live on the east side of Norfolk, Virginia. Don’t remember every company but I ended up saving about $50 each month. Left Hartford to switch.