View 1999 Chevrolet Tahoe Insurance Rates

Want cheaper auto insurance rates for your Chevrolet Tahoe? If you are a novice to online auto insurance shopping, you may be bewildered by the crazy number of local and online companies who claim to have the best auto insurance rates.

Quote insurance online

Performing a rate comparison can be a lot of work if you aren’t aware of the most efficient way to do it. You could waste a few hours talking to insurance companies in your area, or you could save time and use online quoting to get the quickest rates.

Most of the best insurance companies belong to a marketplace where insurance shoppers only type in their quote data once, and every company provides a quote based on that information. This system prevents you from having to do quote requests to each company.

To submit your quote information now, click here to start a free quote.

The single downside to comparing rates this way is you can’t choose the companies to receive prices from. If you prefer to choose from a list of companies to compare prices, we put together a list of companies who write insurance in your area. Click here for list of insurance companies.

The method you choose is up to you, but be certain you are entering exactly the same quote data for each comparison quote. If you use different coverage information you can’t possibly decipher which rate is best. Having just a slight variation in insurance coverages can result in a big premium difference. Just keep in mind that quoting more provides better odds of finding a lower rate than you’re paying now. Some regional insurers cannot provide online rate quotes, so it’s necessary to compare prices from them as well.

These discounts can lower your car insurance rates

Some providers don’t necessarily list the complete list of policy discounts in an easy-to-find place, so we break down both well-publicized as well as the least known car insurance savings.

  • Payment Method – If paying your policy premium upfront rather than spreading payments over time you could save 5% or more.
  • Anti-lock Brakes – Cars, trucks, and SUVs with ABS braking systems or traction control prevent accidents and earn discounts up to 10%.
  • Accident Waiver – but some insurance companies may permit one accident without getting socked with a rate hike if you are claim-free before the accident.
  • Online Discount – A few larger companies will give a small break for completing your application digitally online.
  • Student Discounts – Performing well in school can save 20 to 25%. The discount lasts until age 25.
  • Passive Restraint Discount – Factory options such as air bags could see savings of 20% or more.
  • Early Renewal Discounts – Some larger companies give discounts for buying a new policy prior to your current policy expiration. You may see this discount when you get auto insurance quotes online.

A quick disclaimer, most discounts do not apply to the entire cost. Some only apply to specific coverage prices like physical damage coverage or medical payments. Despite the appearance that all the discounts add up to a free policy, you’re out of luck. But all discounts will definitely reduce your policy premiums.

Large car insurance companies and some of their more popular discounts can be read below.

  • GEICO has discounts for air bags, membership and employees, defensive driver, anti-lock brakes, daytime running lights, seat belt use, and federal employee.
  • Travelers may have discounts that include driver training, continuous insurance, early quote, hybrid/electric vehicle, good student, save driver, and home ownership.
  • Nationwide offers discounts including anti-theft, defensive driving, business or organization, multi-policy, good student, and family plan.
  • Farmers Insurance includes discounts for early shopping, homeowner, switch companies, multi-car, and business and professional.
  • Esurance discounts include Pac-12 alumni, renters, online quote, anti-theft, safety device, and good driver.
  • State Farm may include discounts for good student, defensive driving training, multiple policy, accident-free, and anti-theft.
  • Progressive offers discounts for online signing, multi-policy, homeowner, multi-vehicle, good student, and online quote discount.
  • Mercury Insurance has savings for multi-car, annual mileage, good driver, low natural disaster claims, good student, and anti-theft.

If you want cheap auto insurance quotes, ask each insurance company how you can save money. Savings might not be offered on policies in your area. For a list of companies that offer multiple discounts, click here to view.

Different people need different car insurance coverages

When choosing coverage, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that may help highlight whether your personal situation might need professional guidance.

  • Is my camper covered by my car insurance policy?
  • Am I covered if hit by an uninsured driver?
  • How can I find cheaper teen driver insurance?
  • Are my tools covered if they get stolen from my vehicle?
  • Do I need roadside assistance coverage?
  • Is pleasure use cheaper than using my 1999 Chevy Tahoe to commute?
  • Are my friends covered when driving my car?

If you’re not sure about those questions, you might consider talking to an insurance agent. To find an agent in your area, take a second and complete this form.

Chevy Tahoe insurance cost factors

One of the most helpful ways to save on auto insurance is to to have a grasp of the different types of things that go into determining your policy premiums. When you know what positively or negatively determines base rates, this allows you to make good choices that will entitle you to cheaper rates. Many different elements are considered when quoting car insurance. Some of the criteria are obvious such as your driving record, but other factors are more obscure like your continuous coverage and annual miles driven.

  • Liability coverage – A critical coverage on your policy, liability insurance is the coverage that protects you in the event that you are ruled to be at fault for personal injury or accident damage. This coverage provides you with a defense in court which can cost thousands of dollars. Liability insurance is pretty cheap compared to other policy coverages, so drivers should carry high limits.
  • An active insurance claims history can increase rates – Companies generally give discounts to people that do not abuse their auto insurance. If you’re an insured who likes to file claims you can pretty much guarantee higher premiums or even policy non-renewal. Your car insurance is designed for major claims that would cause financial hardship.
  • Higher prices for specific occupations – Did you know your career choice can influence rates? Jobs such as fire fighterspolice officers and miners tend to pay higher rates than the rest of us in part from stressful work requirements and extremely grueling work hours. On the flip side, occupations such as actors, students and homemakers get better rates for Tahoe insurance.
  • Deter car thieves – Choosing a vehicle with a theft deterrent system can earn a premium discount. Anti-theft features such as vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems help track and prevent car theft.
  • Pay more out-of-pocket – Physical damage coverage, commonly called comprehensive (or other-than-collision) and collision coverage, insures against damage to your Chevy. A few examples of covered claims could be a broken side mirror, damage caused by hail, or theft. The deductibles are how much you are willing to pay in the event of a claim. The more money the insured has to pay upfront, the less your company will charge you for insurance for Tahoe insurance.
  • Save money by having responsible credit – Having a bad credit rating can be an important factor in determining premium rates. Insureds with high credit ratings tend to file fewer claims than those with lower credit ratings. Therefore, if your credit history leaves room for improvement, you could pay less to insure your 1999 Chevrolet Tahoe if you improve your credit rating.
  • Do you really need roadside assistance? – There are quite a few extra add-on coverages that you can buy if you don’t pay attention. Coverages for rental car coverage, accidental death, and extra equipment coverage may be costing you every month. These may sound like a good investment at first, but if they’re wasting money eliminate them to save money.
  • Choose high IIHS safety ratings and save – Cars with five star safety ratings are cheaper to insure. Safer cars reduce occupant injuries and lower rates of occupant injuries translates into savings for insurance companies and lower rates for you. If your Chevy earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website you may pay a lower rate.

Be skeptical of auto insurance ads

Big name companies like State Farm, GEICO and Progressive regularly use television and radio advertisements. They all advertise claims about saving some big amount if you move your policy. How does every company make the same claim? It’s all in the words they use.

All the different companies can use profiling for the type of customer that will generate a profit. For instance, a desirable risk might be described as between the ages of 30 and 50, carries high limits, and drives less than 10,000 miles a year. A driver who fits that profile will probably get cheap rates and will save some money.

Potential insureds who don’t measure up to the “perfect” profile may receive higher premium rates with the end result being business not being written. The wording the ads use say “customers that switch” not “everybody who quotes” can save as much as they claim. This is how companies can truthfully make it sound like they have such great premium rates. This really drives home the point why you should get a wide range of price quotes. It’s just not possible to know which auto insurance company will give you the biggest savings.

Specific coverage details

Learning about specific coverages of your insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like nursing services, doctor visits, funeral costs and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims such as damage from getting keyed, fire damage, a broken windshield, hail damage and damage from flooding. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Liability auto insurance

This coverage provides protection from injuries or damage you cause to a person or their property that is your fault. It protects YOU against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers claims like loss of income, medical expenses and medical services. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage protection

This pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as scraping a guard rail, colliding with a tree, crashing into a building and sideswiping another vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to bring the cost down.

UM/UIM Coverage

This coverage gives you protection from other motorists when they do not carry enough liability coverage. It can pay for hospital bills for your injuries and damage to your Chevy Tahoe.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is very important.

In Summary

Some insurance companies don’t offer the ability to get a quote online and usually these regional carriers only sell coverage through independent insurance agents. Lower-priced car insurance is available both online as well as from independent agents, so you need to compare both to have the best selection.

We just covered many ideas to compare 1999 Chevy Tahoe insurance auto insurance rates online. The key concept to understand is the more companies you get premium rates for, the more likely it is that you will get a better rate. You may even discover the biggest savings come from a company that doesn’t do a lot of advertising.

As you go through the steps to switch your coverage, don’t be tempted to buy lower coverage limits just to save a few bucks. In many instances, someone dropped comprehensive coverage or liability limits only to regret that they should have had better coverage. Your goal should be to buy a smart amount of coverage at the best cost while still protecting your assets.

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