Compare 2016 Chevrolet Tahoe Insurance Quotes

Searching for the cheapest car insurance rates for your Chevrolet Tahoe? Have you had enough of being strong-armed to keep your car insured? You’re in the same situation as millions of other drivers.

Since drivers have many options, it can be hard to find the most affordable insurance company.

You need to price shop coverage occasionally since prices tend to go up over time. Despite the fact that you may have had the best deal on Tahoe coverage on your last policy a different company probably has better rate quotes today. Forget anything you know (or think you know) about car insurance because you’re about to learn the only way to buy cheaper car insurance.

Do you qualify for discount auto insurance?

Some companies do not advertise every possible discount in a way that’s easy to find, so the following list contains a few of the more common and the more hidden discounts that may be available. If you check and find you aren’t receiving every discount you deserve, it’s possible you qualify for a lower rate.

• Resident Student – College-age children who live away from home to go to college and do not have a car may be insured at a cheaper rate.
• Military Deployment Discount – Being deployed in the military could mean lower prices.
• Telematics Discount – Drivers that enable driving data collection to analyze vehicle usage by using a telematics device such as Drivewise from Allstate or Snapshot from Progressive may see discounts if they exhibit good driving behavior.
• Sign Online – A handful of larger companies provide a small discount for buying your policy on your computer.
• Discount for New Cars – Buying a new car model may earn a small discount due to better safety requirements for new vehicles.
• Anti-lock Brakes – Cars and trucks that have anti-lock braking systems can avoid accidents and will save you 10% or more.
• Use Seat Belts – Buckling up and requiring all passengers to buckle up before driving can save up to 10 percent (depending on the company) on the premium charged for medical payments and/or PIP.
• Discounts for Federal Employees – Federal government employees could cut as much as 10% off on Tahoe coverage with select insurance companies.
• Mature Driver Discount – If you qualify as a senior citizen, you can get a small decrease in premiums on Tahoe coverage.
• Renewal Discounts – A few larger companies offer discounts for switching companies before your current policy expires. Ten percent is about the average savings.

A little note about advertised discounts, most of the big mark downs will not be given the the whole policy. Most only reduce specific coverage prices like collision or personal injury protection. Just because you may think all those discounts means the company will pay you, company stockholders wouldn’t be very happy. Any amount of discount will help lower your auto insurance premiums.

To choose insurers that offer multiple discounts, click here.

What insurance coverages do I need?

When buying adequate coverage, there is no one size fits all plan. Coverage needs to be tailored to your specific needs so this has to be addressed. Here are some questions about coverages that can help discover if your insurance needs would benefit from professional advice.

• Can I afford to pay high deductible claims out of pocket?
• How much liability coverage do I need in my state?
• Am I covered if I drive in a foreign country?
• What is PIP insurance?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Should I bundle my homeowners policy with my auto?
• What exactly is covered by my policy?
• Can I still get insurance after a DUI?
• What vehicles should carry emergency assistance coverage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

The coverage is in the details

Understanding the coverages of your car insurance policy aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement. These are the usual coverages offered by car insurance companies.

Liability auto insurance

This can cover injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which means a limit of $50,000 per injured person, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things such as attorney fees, medical expenses and emergency aid. How much coverage you buy is up to you, but buy higher limits if possible.

Coverage for uninsured or underinsured drivers

This provides protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Chevy Tahoe.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance pay for expenses such as prosthetic devices, pain medications, surgery and X-ray expenses. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Comprehensive car insurance

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 can pay for claims like damage from getting keyed, a broken windshield and fire damage. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Auto collision coverage

This covers damage to your Tahoe resulting from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims like crashing into a ditch, backing into a parked car, scraping a guard rail, colliding with a tree and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Stretch your dollar

We covered a lot of information how to compare 2016 Chevy Tahoe insurance premium rates online. The key concept to understand is the more price quotes you have, the better your chances of lowering your prices. You may be surprised to find that the lowest priced insurance coverage comes from a small mutual company. These companies can often provide lower prices in certain areas as compared to the big name companies such as Progressive and Geico.

The cheapest 2016 Chevy Tahoe insurance can be bought online and from local insurance agents, so get free insurance quotes from both of them in order to have the best price selection to choose from. A few companies do not provide the ability to get quotes online and most of the time these regional carriers work with independent insurance agents.

When getting insurance quotes online, never reduce coverage to reduce premium. There are many occasions where an accident victim reduced liability coverage limits only to find out they didn’t purchase enough coverage. The proper strategy is to get the best coverage possible at the best price, but do not skimp to save money.

For more information, feel free to browse the articles below:

• Winter Driving (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)
• Car Insurance: When not to Skimp (BankRate.com)
• Safety Features for Your New Car (State Farm)
• Vehicle Safety Ratings (iihs.org)