2017 Chevrolet Traverse Insurance Quotes – 5 Tips to Save

Do you get exhausted from scraping nickels together to insure your Chevy every month? You have the same problem as most other people. Lots of car insurance companies contend for your insurance dollar, so it’s not easy to compare every insurance company and get the best coverage at the lowest rate possible.

It is always a good idea to do price comparisons yearly because prices fluctuate regularly. Even if you think you had the lowest price for Traverse insurance at your last renewal you may be paying too much now. You can search a lot of auto insurance online but we’re going to give you some guaranteed methods to lower your auto insurance rates.

Low cost car insurance

There are multiple methods to compare car insurance prices but some are easier and takes less work. You can spend countless hours discussing policy coverages with local insurance agents in your area, or you can utilize the internet to get the quickest rates.

Most of the best insurance companies take part in a program that allows shoppers to submit their information once, and at least one company then gives them pricing based on that information. This eliminates the need for quote requests to each individual car insurance company. To fill out one form to compare multiple rates now click to open in new window.

The single downside to doing it this way is you don’t know exactly which insurance companies to get pricing from. If you prefer to choose specific providers to request quotes from, we have a listing of car insurance companies in your area. View list of insurance companies.

How you compare quotes is your choice, just make sure you use the same quote information on every quote. If each company quotes unequal deductibles or liability limits it’s impossible to determine the best price for your Chevy Traverse.

Get affordable rates with these five discounts

Some providers do not advertise their entire list of discounts very clearly, so we researched some of the more common as well as some of the hidden discounts that you may qualify for.

• Driver Education Discount – Reduce the cost of insurance for teen drivers by having them enroll in driver’s education in school.
• Bundle and Save – If you combine your homeowners and auto policies with the same company you could earn a discount of up to 20% off your total premium.
• Federal Employees – Having worked for a branch of the government could provide a small rate reduction for Traverse insurance with select insurance companies.
• Discounts for Safe Drivers – Drivers who don’t get into accidents could pay up to 40% less for Traverse insurance compared to accident prone drivers.
• Passive Restraints – Factory options such as air bags and/or automatic seat belt systems can qualify for discounts of more than 20%.

One thing to note about discounts is that most of the big mark downs will not be given to the entire policy premium. Most only apply to the cost of specific coverages such as medical payments or collision. So even though it sounds like all those discounts means the company will pay you, nobody gets a free ride. But all discounts will positively reduce the amount you pay for coverage.

To locate providers with the best discounts, click here to view.

What is the best auto insurance coverage?

When buying proper insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s and your policy should reflect that. For example, these questions may help you determine if your situation could use an agent’s help.

• If my 2017 Chevy Traverse is totaled, can I afford another vehicle?
• Do I have coverage when pulling a U-Haul trailer?
• Should I bundle my homeowners policy with my auto?
• Do I need PIP coverage since I have good health insurance?
• Am I covered if I hit a deer?
• Am I covered if I drive in a foreign country?
• Does my insurance cover my expensive audio equipment?
• Do I have coverage if my license is suspended?
• What is UM/UIM insurance?

If it’s difficult to answer those questions, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form or click here for a list of auto insurance companies in your area. It only takes a few minutes and may give you better protection.

Can you really save if you switch?

Consumers can’t get away from all the ads that claim the cheapest auto insurance rates by State Farm and Allstate. They all make the same claim that you can save after switching your coverage to them.

It sounds good, but how can they all cost less than your current company?

Insurance companies look for specific characteristics for the type of driver that earns them a profit. For example, this type of risk profile might be a married male, has other policies, and drives a lower-performance vehicle. Any new insured that fits those parameters gets the lowest premium rates and therefore will save a lot of money.

People who cannot meet these standards may receive more expensive rates with the end result being the prospect going elsewhere. The ads state “drivers that switch” but not “all drivers who get quotes” save the amount stated. This is how insurance companies can make the claims of big savings.

Because every company is different, you absolutely need to compare quotes as often as possible. It’s just too difficult to predict with any certainty which company will have the lowest rate quotes.

Insurance coverage considerations

Knowing the specifics of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. Listed below are typical coverage types found on most insurance policies.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Traverse.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is a good idea. Normally the UM/UIM limits are similar to your liability insurance amounts.

Coverage for collisions

Collision insurance pays for damage to your Traverse caused by collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as driving through your garage door, scraping a guard rail, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Liability car insurance

This protects you from damages or injuries you inflict on a person or their property. It protects you from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 which means $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against things like repair costs for stationary objects, structural damage, medical services, attorney fees and pain and suffering. How much liability should you purchase? That is up to you, but consider buying as large an amount as possible.

Comprehensive coverage (or Other than Collision)

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like theft, falling objects and hitting a bird. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like EMT expenses, doctor visits and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. PIP is only offered in select states and gives slightly broader coverage than med pay

Have the Midas touch

When searching for cheap insurance coverage quotes, never sacrifice coverage to reduce premiums. There are too many instances where an insured dropped physical damage coverage only to find out that the small savings ended up costing them much more. The aim is to buy the best coverage you can find at an affordable rate, but don’t skip important coverages to save money.

The cheapest 2017 Chevy Traverse insurance is available on the web and with local insurance agents, so you should be comparing quotes from both so you have a total pricing picture. Some insurance providers do not provide the ability to get quotes online and most of the time these regional insurance providers provide coverage only through local independent agencies.

More articles

• Teen Driver Statistics (Insurance Information Insitute)
• Who Has Affordable Car Insurance Quotes for a Chevrolet Traverse in Baltimore? (BaltimoreAutoGuard.com)
• State Laws for Cellphones and Texting (iihs.org)
• Alcohol Impaired Driving FAQ (iihs.org)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)