2015 Chevrolet Trax Insurance Quotes – 5 Policy Discounts

Did you fall for a flashy sales pitch and buy an expensive insurance coverage policy? Don’t sweat it because many consumers are in the same pinch.

Vehicle owners have multiple car insurance companies to buy insurance from, and though it is a good thing to be able to choose, it makes it harder to find the best rates for your vehicles.

It is always a good idea to check insurance coverage prices before your next renewal because prices are rarely the same from one policy term to another. Just because you had the best deal for Trax coverage a year ago you will most likely find a better premium rate today. Forget anything you know (or think you know) about insurance coverage because we’re going to demonstrate the best way to reduce your cost while improving coverage.

The method we recommend to compare car insurance rates is to know all the major auto insurance companies provide online access to give rate comparisons. All you need to do is take a few minutes to give details such as whether you are single or married, how you use your vehicles, if the vehicle is leased, and how much coverage you want. That rating information is instantly provided to multiple insurance providers and you will get price comparisons instantly to find the best rate.

Don’t overlook these five insurance coverage discounts

Insurance coverage is not inexpensive, but you may find discounts that could drop your premiums quite a bit. Many discounts should be triggered when you complete an application, but a few must be specifically requested prior to receiving the credit.

  • Driver’s Ed – It’s a good idea to have your young drivers complete a driver education course as it can save substantially.
  • Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase life insurance.
  • ABS Brakes – Cars and trucks with ABS braking systems or traction control have fewer accidents and the ABS can save up to 10%.
  • Telematics Devices – Policyholders that allow data collection to study their driving habits by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm might get better premium rates as long as they are good drivers.
  • Federal Government Employee – Being employed by or retired from a federal job may reduce rates when you quote insurance for Trax coverage depending on your insurance coverage provider.

Don’t be surprised that most of the big mark downs will not be given to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. Even though the math looks like you can get free auto insurance, it doesn’t quite work that way.

Popular insurance coverage companies and a partial list of their discounts are detailed below.

  • State Farm may have discounts that include defensive driving training, driver’s education, good driver, Drive Safe & Save, and multiple autos.
  • Farmers Insurance has discounts for multi-car, teen driver, switch companies, distant student, bundle discounts, and homeowner.
  • GEICO discounts include anti-theft, anti-lock brakes, emergency military deployment, multi-policy, daytime running lights, and air bags.
  • American Family may offer discounts for early bird, good driver, TimeAway discount, mySafetyValet, bundled insurance, defensive driver, and air bags.
  • Nationwide includes discounts for business or organization, multi-policy, accident-free, good student, and anti-theft.
  • Progressive offers premium reductions for multi-policy, homeowner, good student, online quote discount, online signing, and multi-vehicle.

When quoting, ask each company which discounts you qualify for. Some of the earlier mentioned discounts might not be available to policyholders everywhere. If you would like to see a list of providers that offer discounts, click here to view.

When to get professional advice

When buying the best insurance coverage for your personal vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. For example, these questions may help you determine whether you would benefit from an agent’s advice.

  • Are my tools covered if they get stolen from my vehicle?
  • What is medical payments coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Am I covered if my car is in a flood?
  • Do I really need UM/UIM coverage?
  • Does coverage extend to a rental car in a foreign country?
  • How high should deductibles be on a 2015 Chevy Trax?
  • Are my friends covered when driving my car?
  • Should I waive the damage coverage when renting a car?
  • Does my 2015 Chevy Trax qualify for pleasure use?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Are auto insurance companies telling the truth?

GEICO, State Farm and Progressive continually stream ads in print and on television. They all have a common claim that you’ll save big if you switch your coverage. That’s great but how can every company charge you a lower premium? Just pay attention to how they say it.

All companies offer their best rates for the type of driver that will be a good risk. One example of a desirable insured might be described as over the age of 45, has no tickets, and drives newer vehicles. Anyone who fits that profile will get the preferred premium rates and therefore will cut their rates if they switch.

Consumers who do not match these criteria will get a higher rate and this can result in the customer not buying. If you listen closely, the ads state “customers that switch” but not “all drivers who get quotes” save the amount stated. That’s why insurance companies can lure you into getting a quote.

This really emphasizes why it’s extremely important to get insurance quotes as often as possible. It’s just too difficult to predict which company will give you the biggest savings.

Coverages available on your car insurance policy

Having a good grasp of your car insurance policy can be of help when determining which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the usual coverages found on most car insurance policies.

Liability auto insurance – This protects you from damage or injury you incur to people or other property. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show liability limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Occasionally you may see 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 pays for claims like attorney fees, legal defense fees, bail bonds and court costs. How much liability should you purchase? That is up to you, but you should buy as large an amount as possible.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy Trax.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Usually these limits are similar to your liability insurance amounts.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses such as pain medications, prosthetic devices, doctor visits and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverage (or Other than Collision) – This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like theft, damage from a tornado or hurricane, a broken windshield and vandalism. The most your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision – This coverage will pay to fix damage to your Trax from colliding with another car or object. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage pays for claims like hitting a mailbox, hitting a parking meter, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Smart shoppers get results

Cheap 2015 Chevy Trax insurance is available from both online companies in addition to many insurance agents, so you need to shop insurance with both so you have a total pricing picture. Some insurance companies don’t offer price quotes online and usually these small insurance companies prefer to sell through independent agents.

We’ve covered many ways to shop for 2015 Chevy Trax insurance online. The key thing to remember is the more providers you compare, the more likely it is that you will get a better rate. You may be surprised to find that the biggest savings come from a smaller regional carrier. Regional companies can often insure niche markets at a lower cost than their larger competitors like Progressive and GEICO.

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