1997 Chevrolet Tahoe Insurance Quotes – 6 Tricks for Best Rates

Looking for better insurance coverage rates for your Chevrolet Tahoe? Finding budget-priced insurance coverage on the internet may at first seem to be rather challenging for vehicle owners new to buying insurance over the internet. Because there are so many insurers available, how are we expected to have the ability to compare the different rates to find the cheapest price possible?

How to compare insurance coverage quotes

When shopping for insurance coverage there are multiple ways of comparing rates from many different insurance companies. The quickest method to comparison shop is to use the internet to compare rates. This is very easy and can be done in a couple of different ways.

  • If you’re in a hurry, the quickest way to find low rates is an all-inclusive rate comparison like this one (opens in new window). This easy form prevents you from having to do separate forms for every insurance coverage company. Just one form compares rates direct from many companies.It’s the quickest way to get rates.
  • A more time consuming way to compare rate quotes consists of visiting each company’s website and go through the quote process again. For example, let’s assume you want to see prices from State Farm, Farmers and GMAC. You would have to go to each individual site and enter your policy data, which is not fast way to get rate quotes.

    For a list of links to insurance companies in your area, click here.

  • If you have time to kill, the last way to get price estimates is calling or driving to all the different insurance agencies. Comparing rate quotes online eliminates the middleman unless you have a complicated situation and need the peace of mind that can only be provided by a licensed insurance agent. You can, however, compare online quotes but buy the policy through an agent.

It doesn’t matter which method you choose, just ensure you’re using equivalent quote data on every price quote you get. If the quotes have higher or lower deductibles it’s impossible to truly determine the lowest rate. Slightly different insurance coverages or limits could throw off the whole comparison. It’s important to know that quoting more increases the change that you will find the best offered rates. Not every company provides quotes online, so you also need to get rates from the smaller companies as well.

Big names are not always cheapest

Companies like Progressive, GEICO, Allstate and State Farm regularly use television and radio advertisements. They all say the same thing that you can save just by moving your auto insurance coverage to their company. How does each company give you a better price? Here is how they do it.

Insurance companies have underwriting criteria for the type of driver that earns them the most money. A good example of this type of insured might be a female over age 40, has a low-risk occupation, and drives a car with an anti-theft system. Any new insured who fits that profile will get a cheap rate quote as well as pay quite a bit less when switching companies.

Consumers who don’t measure up to these criteria will probably be forced to pay more expensive rates and this can result in the customer not buying. The ads say “people that switch” but not “all drivers who get quotes” save that much. That’s the way companies can truthfully make those claims. Because every company is different, you really should compare free car insurance quotes often. It is impossible to predict which company will provide the lowest premium rates.

Car insurance policy discounts you can’t miss

Companies don’t always publicize every disount available very well, so we took the time to find both the well known and also the more inconspicuous discounts that you may qualify for.

  • Multiple Cars – Drivers who insure multiple cars on a single policy can reduce the rates for all insured vehicles.
  • Life Insurance – If the company offers life insurance, you could get a lower premium rate if you buy some life insurance too.
  • Discounts for Federal Employees – Employees or retirees of the government can earn a discount up to 10% on Tahoe coverage with certain companies.
  • No Claims – Good drivers with no accidents can save substantially in comparison to drivers with a long claim history.
  • Distant Student Discount – Kids who live away from home at college and do not take a car to college can be insured at a reduced rate.
  • Passive Restraints and Air Bags – Factory options such as air bags and/or automatic seat belt systems can receive discounts of up to 25% or more.

As is typical with insurance, most credits do not apply to the entire cost. A few only apply to specific coverage prices like medical payments or collision. So when the math indicates it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

Larger car insurance companies and their possible discounts include:

  • State Farm offers discounts for Steer Clear safe driver discount, accident-free, safe vehicle, defensive driving training, passive restraint, and driver’s education.
  • GEICO has discounts for anti-lock brakes, multi-vehicle, driver training, defensive driver, daytime running lights, and federal employee.
  • Progressive includes discounts for online signing, good student, multi-policy, multi-vehicle, and homeowner.
  • 21st Century policyholders can earn discounts including anti-lock brakes, student driver, good student, automatic seat belts, defensive driver, 55 and older, and air bags.
  • American Family discounts include bundled insurance, air bags, Steer into Savings, mySafetyValet, defensive driver, early bird, and accident-free.
  • The Hartford may include discounts for defensive driver, bundle, driver training, anti-theft, and vehicle fuel type.
  • AAA may offer discounts for multi-policy, pay-in-full, multi-car, education and occupation, good driver, and good student.

When comparing rates, check with every prospective company which discounts you qualify for. Some discounts listed above might not apply in your area. To find providers with discount rates, follow this link.

Insurance agents can help

When buying proper insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

Here are some questions about coverages that may help highlight if your insurance needs could use an agent’s help.

  • Am I covered if I hit a deer?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is a fancy paint job covered?
  • Is my nanny covered when driving my vehicle?
  • Does my policy pay for OEM or aftermarket parts?
  • What is covered by UM/UIM coverage?
  • I don’t drive much so do I pay less?
  • Does my insurance cover my expensive audio equipment?
  • Do I need special endorsements for business use of my vehicle?
  • Are split liability limits better than a combined single limit?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to a licensed insurance agent. To find an agent in your area, complete this form.

Specifics of your insurance policy

Knowing the specifics of insurance can help you determine which coverages you need and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy.

Liability car insurance

This will cover damage or injury you incur to other people or property by causing an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as medical services, loss of income and court costs. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive (Other than Collision)

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

Comprehensive coverage pays for claims such as theft, falling objects and hitting a bird. The highest amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Medical expense insurance

Medical payments and Personal Injury Protection insurance pay for immediate expenses for nursing services, doctor visits, ambulance fees, EMT expenses and surgery. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Auto collision coverage

Collision coverage will pay to fix damage to your Tahoe from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a mailbox, colliding with another moving vehicle, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.

Protection from uninsured/underinsured drivers

This coverage gives you protection from other motorists when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Have money to burn

Some insurance providers do not provide price quotes online and usually these regional carriers work with independent insurance agents. Cheaper 1997 Chevy Tahoe insurance is attainable both online as well as from independent agents, and you need to price shop both so you have a total pricing picture.

While you’re price shopping online, make sure you don’t sacrifice coverage to reduce premiums. In many cases, drivers have reduced comprehensive coverage or liability limits only to discover later that a couple dollars of savings turned into a financial nightmare. Your goal is to buy the best coverage you can find at the best possible price while still protecting your assets.

We just showed you some good ideas how to shop for 1997 Chevy Tahoe insurance online. It’s most important to understand that the more times you quote, the better chance you’ll have of finding cheaper car insurance. You may even find the lowest car insurance rates are with some of the smallest insurance companies.

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