View 2012 Chevrolet Traverse Insurance Quotes

Being forced to pay for overpriced car insurance premiums can drain your accounts and make it tough to pay other bills.

Due to the increasing number of companies and agents to choose from, it can be impossible to choose the right company.

You need to do price comparisons yearly because insurance prices trend upward over time. Even if you think you had the lowest price for Traverse coverage at your last renewal you can probably find a better rate quote now. Forget anything you know (or think you know) about car insurance because I’m going to let you in on the secrets to how to use online quotes to eliminate unnecessary coverages and save money.

Cheapest car insurance quotes

There are a variety of methods you can shop for car insurance but some are easier and takes less work. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you can stay home and use the internet to achieve your goal.

Most car insurance companies belong to a marketplace where prospective buyers submit one quote, and each participating company returns a competitive quote for coverage. This saves time by eliminating quote requests to each company. To find out how much you can save on car insurance click here (opens in new window).

The one disadvantage to getting quotes like this is you don’t know exactly which companies you will receive quotes from. So if you prefer to pick individual companies to compare prices, we have a page of companies who write car insurance in your area. Click here for list of insurance companies.

Whichever way you choose to compare rates, make sure you are using the same coverages with every price quote. If you have unequal deductibles or liability limits it’s impossible to determine which company has the best rates. Just a small difference in coverages could skew the results. And when comparison shopping, comparing a large number of companies increases the change that you will find the best rates. Not every company does online price quotes, so you also need to get rates from them as well.

How to know if you need help

When it comes to choosing the best auto insurance coverage, there isn’t really a perfect coverage plan. Each situation is unique so your insurance needs to address that. Here are some questions about coverages that might point out if your situation might need professional guidance.

  • Should I bundle my homeowners policy with my auto?
  • Does my personal policy cover me when driving out-of-state?
  • Does my policy cover me when driving someone else’s vehicle?
  • Does car insurance cover theft of personal property?
  • Does my liability insurance cover pulling a trailer or camper?
  • Do I have coverage if my license is suspended?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Auto insurance 101

Having a good grasp of your policy aids in choosing the best coverages and proper limits and deductibles. Auto insurance terms can be confusing and nobody wants to actually read their policy. Shown next are the normal coverages found on the average auto insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive auto coverage – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as vandalism, hitting a bird, rock chips in glass, fire damage and a tree branch falling on your vehicle. The maximum amount a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Liability car insurance – This protects you from damage that occurs to other people or property. It protects YOU from claims by other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability coverage pays for claims such as funeral expenses, emergency aid, structural damage, repair costs for stationary objects and medical services. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Collision coverages – This pays to fix your vehicle from damage caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for things like crashing into a building, sideswiping another vehicle, colliding with a tree, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage – Med pay and PIP coverage provide coverage for immediate expenses like pain medications, prosthetic devices, hospital visits and EMT expenses. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is only offered in select states and may carry a deductible