Compare 2017 Chevrolet Traverse Insurance Rates

Locating the cheapest insurance for a Chevy Traverse can be difficult, but you can learn the following methods and make it easy.

There are more efficient ways to shop for car insurance so you’re going to learn the quickest way to price shop coverage on a Chevy and get the lowest possible price from both online companies and local agents.

How much does auto insurance cost?

Cutting your auto insurance rates is a fairly straight forward process. You just have to invest a little time getting comparison quotes to find. Comparing prices online can be done in a couple of different ways.

  1. Without a doubt, the easiest way to get the best comparison quotes is to use a rate comparison form click here to open form in new window. This quick form prevents you from having to do separate forms to each individual auto insurance company. One quote request gets you coverage quotes direct from many companies. This is perfect if you don’t have a lot of time.
  2. A more time consuming way to obtain and compare quotes online requires a visit to the website of each company and fill out their own quote form. For instance, we’ll pretend you want to see prices from USAA, Safeco and Farmers. You would be required to go to each individual site and repeatedly enter your information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.
  3. The least efficient and most time consuming way to find and compare rates is to drive around to insurance agents’ offices. Doing it all online has made agencies unnecessary unless you’re the type of person who wants the trained guidance of a local agency. It is possible to find lower rates online and still use a local agent.

It’s your choice how you get your quotes, but make absolute certain that you use exactly the same coverage data on every price quote you get. If you enter differing limits then you won’t be able to truly determine the lowest rate.

Find discounts on car insurance

Car insurance can cost a lot, but there could be significant discounts that you may not even be aware of. Some trigger automatically when you purchase, but a few need to be asked about before you will receive the discount.

  • Theft Prevention Discount – Vehicles that have factory anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Driver Safety – Successfully completing a course in defensive driving could possibly earn you a 5% discount and make you a better driver.
  • One Accident Forgiven – Not really a discount, but a few companies such as Allstate, State Farm and GEICO allow you one accident without raising rates if your claims history is clear prior to being involved in the accident.
  • Data Collection Discounts – Drivers who agree to allow driving data submission to track driving patterns through the use of a telematics system such as Drivewise from Allstate or Snapshot from Progressive might get better premium rates as long as they are good drivers.
  • Pay Upfront and Save – If paying your policy premium upfront rather than paying in monthly installments you may have a lower total premium amount.

We need to note that some of the credits will not apply the the whole policy. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So when it seems like all those discounts means the company will pay you, company stockholders wouldn’t be very happy. But all discounts should help reduce your policy premium.

To locate insurers with the best car insurance discounts, click this link.

Tailor your auto insurance coverage to you

When buying coverage, there really is not a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining whether or not you will benefit from professional help.

  • How much can I save by bundling my policies?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Am I covered if I break a side mirror?
  • What can I do if my company won’t pay a claim?
  • I don’t drive much so do I pay less?
  • How high should my medical payments coverage be?
  • Is my teenager covered with friends in the car?

If you don’t know the answers to these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and you can get the answers you need.

Why you might pay increased rates

An important part of buying insurance is that you know the factors that help calculate your policy premiums. When consumers understand what impacts premium levels, this enables you to make decisions that will entitle you to much lower annual insurance costs.

  • Insurance companies don’t like frequent insurance claims – Auto insurance companies generally give cheaper rates to policyholders who do not rely on their insurance for small claims. If you tend to file frequent claims, you can definitely plan on higher premiums or even policy non-renewal. Your car insurance is designed for the bigger claims that can’t be paid out-of-pocket.
  • Tickets increase premiums – Only having one driving citation could increase your next policy renewal by as much as thirty percent. Drivers with clean records receive lower rates than bad drivers. Drivers who get flagrant citations like DUI or reckless driving may face state-mandated requirements to file a SR-22 with their state’s licensing department in order to drive a vehicle legally.
  • Prices impacted by vehicle usage – The more you drive your Chevy each year the more you will pay for car insurance. Most insurance companies price each vehicle’s coverage partially by how you use the vehicle. Autos left parked in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Make sure your policy correctly shows how each vehicle is driven, because it can save money. Having the wrong rating on your Traverse is just wasting money.
  • Credit history impact car insurance rates – An insured’s credit score can be an important factor in calculating your car insurance rates. So if your credit score can be improved, you could potentially save money when insuring your 2017 Chevrolet Traverse if you improve your credit rating. Insureds with excellent credit tend to be less risk to insure than drivers with lower credit ratings.
  • Get better costs after the wedding – Getting married may cut your premiums on your policy. Having a spouse is viewed as being more financially stable and statistics prove being married results in fewer claims.
  • Raise coverage deductibles and save – Your deductibles state the amount of money you are willing to pay in the event of a claim. Insurance for physical damage to your car, otherwise known as comp (or other than collision) and collision, covers damage that occurs to your car. A few examples of covered claims would be collision with another vehicle, damage from fire, or theft of your vehicle. The more money the insured is willing to pay, the better rate you will receive for Traverse insurance.
  • Multi-policy discounts can save money – Many insurers will give a discount for people that have more than one policy, otherwise known as a multi-policy discount. The amount of the discounts can be five, ten or even twenty percent. Even if you qualify for this discount already, you still need to compare rates to verify if the discount is saving money. Drivers may still find lower rates even if you have your coverage with different companies

Specific coverage details

Knowing the specifics of insurance aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and reading a policy is terribly boring.

Medical costs insurance – Medical payments and Personal Injury Protection insurance pay for short-term medical expenses such as rehabilitation expenses, X-ray expenses and nursing services. They are used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as getting struck while a pedestrian. PIP is not available in all states but can be used in place of medical payments coverage

Liability insurance – Liability insurance can cover damage or injury you incur to a person or their property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which limits claims to one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as legal defense fees, bail bonds, court costs and funeral expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverages – Collision coverage covers damage to your Traverse resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as sustaining damage from a pot hole, hitting a mailbox, crashing into a building, rolling your car and backing into a parked car. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to bring the cost down.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things like a tree branch falling on your vehicle, fire damage and falling objects. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM Coverage – This coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and damage to your Chevy Traverse.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

In any little way, save everyday

The cheapest 2017 Chevy Traverse insurance can be found on the web in addition to local insurance agencies, and you should be comparing both to have the best chance of lowering rates. Some companies may not offer price quotes online and most of the time these regional carriers sell through independent agencies.

As you prepare to switch companies, don’t be tempted to buy poor coverage just to save money. There have been many cases where an insured cut uninsured motorist or liability limits only to regret that the savings was not a smart move. The proper strategy is to find the BEST coverage at the best cost and still be able to protect your assets.

In this article, we presented a lot of tips how to get a better price on 2017 Chevy Traverse insurance. The key thing to remember is the more times you quote, the better your comparison will be. Drivers may discover the best premium rates are with an unexpected company.

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