View 2016 Chevrolet Trax Insurance Rates

Trying to find better auto insurance rates for your Chevrolet Trax? Being forced to pay for pricey auto insurance premiums can empty your checking account and force you to make tough financial choices. Comparing price quotes is a great way to make sure you’re not throwing money away.

Numerous insurance companies battle for your business, and it can be difficult to compare rates to find the cheapest price

How to get cheap car insurance

Reducing your 2016 Chevy Trax insurance rates can be quick and easy. All you need to do is spend a few minutes comparing free insurance quotes from online providers. It is quite easy and can be accomplished using a couple different methods.

1. The single most time-saving way to compare a lot of rates at once is a comparison rater form click here to open form in new window. This form eliminates the need for multiple quote forms for every car insurance company. A single form compares rates from several companies.
2. A more time consuming way to get quotes online is to manually visit each individual company website and complete a new quote form. For examples sake, let’s say you want rates from Geico, State Farm and American Family. You would have to visit each site and enter your information, which can be really labor intensive. For a list of links to insurance companies in your area, click here.

Whichever method you choose, compare nearly identical coverages for every quote you compare. If you are comparing different coverage information you will not be able to make an equal comparison.

More discounts mean affordable premiums

Insurance can be pricey, but there may be some discounts to reduce the price significantly. Some of these disounts will be visible when you get a quote, but some discounts are required to be inquired about before you will receive the discount.

• Paperless Signup – Some larger companies will give a small break for buying your policy online.
• Driver Education Discount – It’s a good idea to have your young drivers successfully complete driver’s ed class if offered at their school.
• Life Insurance Discount – If the company offers life insurance, you could get a small discount if you purchase life insurance.
• Anti-theft System – Cars, trucks, and SUVs equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10% off your insurance quote.
• Federal Employees – Simply working for the federal government can earn a discount up to 10% on Trax coverage with select insurance companies.
• Air Bags and Passive Restraints – Options like air bags can qualify for discounts of 20 to 30 percent.
• Discount for Home Ownership – Simply owning a home can save a few bucks since owning and maintaining a home requires a higher level of personal finance.
• Anti-lock Brake Discount – Vehicles that have anti-lock braking systems are much safer to drive so companies give up to a 10% discount.

We need to note that most discount credits are not given to your bottom line cost. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though it sounds like adding up those discounts means a free policy, you’re out of luck.

Car insurance companies that may offer quotes with these benefits include:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

Before purchasing a policy, check with each insurance company to give you their best rates. Some of the earlier mentioned discounts might not apply in your area. To view insurance companies who offer insurance discounts, click here to view.

It’s not one size fits all

When choosing the best insurance coverage for your vehicles, there really is no “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance should reflect that These are some specific questions might point out if you could use an agent’s help.

• How much underlying liability do I need for an umbrella policy?
• If I drive on a suspended license am I covered?
• Can my teen driver be rated on a liability-only vehicle?
• Is borrowed equipment or tools covered if stolen or damaged?
• Should I buy additional glass protection?
• Does coverage extend to Mexico or Canada?
• Am I covered if I hit a deer?
• Will I be non-renewed for getting a DUI or other conviction?
• How do I file an SR-22 for a DUI in my state?
• Is business equipment covered while in my vehicle?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier It is quick, free and you can get the answers you need.

Car insurance coverage breakdown

Understanding the coverages of your policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring. These are the normal coverages found on the average car insurance policy.

Collision insurance

This will pay to fix damage to your Trax resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a ditch, scraping a guard rail, crashing into a building and rolling your car. This coverage can be expensive, so consider dropping it from older vehicles. You can also raise the deductible to save money on collision insurance.

Auto liability

This coverage provides protection from damages or injuries you inflict on people or other property. It protects YOU from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Occasionally you may see a combined limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for claims such as repair bills for other people’s vehicles, funeral expenses, emergency aid, structural damage and medical services. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like fire damage, vandalism, hail damage, hitting a bird and hitting a deer. The highest amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and damage to your Chevy Trax.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for bills such as surgery, funeral costs, pain medications, hospital visits and nursing services. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

A penny earned…

When shopping online for car insurance, do not buy poor coverage just to save money. In many cases, an insured dropped liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. Your goal is to get the best coverage possible at an affordable rate but still have enough coverage for asset protection.

In this article, we covered many ways to lower your 2016 Chevy Trax insurance rates. The key concept to understand is the more you quote insurance, the better likelihood of getting affordable insurance. Consumers could even find that the lowest priced car insurance comes from a small mutual company. These companies can often provide lower auto insurance rates in certain areas as compared to the big name companies such as Progressive and Geico.

Budget-conscious 2016 Chevy Trax insurance can be sourced on the web and with local insurance agents, so get free insurance quotes from both of them to have the best rate selection. Some insurance providers may not offer price quotes online and many times these regional carriers prefer to sell through independent insurance agencies.

More tips and info about car insurance can be found in these articles:

• Credit and Insurance Scores (Insurance Information Insitute)
• Five Steps to Filing an Auto Insurance Claim (Insurance Information Insitute)
• Auto Insurance 101 (About.com)
• Comprehensive Coverage (Liberty Mutual)
• Keeping Children Safe in Crashes Video (iihs.org)