2013 Chevrolet Tahoe Car Insurance Rates – 6 Savings Tips

Trying to come up with a payment for expensive car insurance can bleed your budget and possibly require postponing other expenditures.

You have so many auto insurance companies to purchase coverage from, and though it is a good thing to be able to choose, it makes it harder to find a good deal.

Don’t overlook these six car insurance discounts

Not too many consumers would say car insurance is affordable, but you might already qualify for some discounts that could help you make your next renewal payment. Certain discounts will be applied at the time of quoting, but lesser-known reductions have to be specially asked for in order for you to get them.

  • Payment Method – If paying your policy premium upfront rather than paying in monthly installments you can avoid monthly service charges.
  • Save over 55 – If you qualify as a senior citizen, you are able to get reduced rates on Tahoe insurance.
  • Distant Student – Youth drivers living away from home attending college and do not take a car to college could qualify for this discount.
  • Save with a New Car – Insuring a vehicle that is new is cheaper compared to insuring an older model.
  • Accident Free – Claim-free drivers pay less when compared to bad drivers.
  • Membership in Organizations – Belonging to a professional or civic organization could trigger savings when shopping for car insurance.

It’s important to understand that most discounts do not apply to the overall cost of the policy. Most cut the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like all those discounts means the company will pay you, it just doesn’t work that way.

A list of car insurance companies and their offered discounts are detailed below.

  • American Family discounts include bundled insurance, TimeAway discount, mySafetyValet, good student, and Steer into Savings.
  • Nationwide includes discounts for Farm Bureau membership, good student, business or organization, anti-theft, easy pay, and family plan.
  • MetLife has savings for claim-free, multi-policy, good driver, accident-free, defensive driver, good student
  • 21st Century has discounts for good student, homeowners, theft prevention, teen driver, automatic seat belts, anti-lock brakes, and driver training.
  • Farmers Insurance may include discounts for good student, youthful driver, multi-car, switch companies, and early shopping.
  • Allstate offers discounts for senior citizen, farm vehicle, multi-policy, good payer, and utility vehicle.

Before purchasing a policy, check with each company or agent which discounts can lower your rates. Some discounts listed above may not be available in your area. For a list of insurance companies that offer many of these discounts, follow this link.

The quickest method to get rate comparisons is to know the fact auto insurance companies actually pay money for the chance to give free rates quotes. To begin a comparison, all you need to do is provide details like types of safety features, which vehicles you own, if the car is leased, and if you require a SR-22. Your rating data is submitted instantly to multiple top-rated companies and you will receive price estimates quickly.

To start a quote now, click here and see if a lower rate is available.

When to get professional advice

When choosing coverage for your vehicles, there is no perfect coverage plan. Every insured’s situation is different and a cookie cutter policy won’t apply. These are some specific questions might help in determining if your insurance needs would benefit from an agent’s advice.

  • Where can I get insurance after a DUI in my state?
  • Is my custom paint covered by insurance?
  • Should I buy more coverage than the required minimum liability coverage?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Is pleasure use cheaper than using my 2013 Chevy Tahoe to commute?
  • Am I covered if I hit a deer?
  • Can I afford low physical damage deductibles?

If it’s difficult to answer those questions then you might want to talk to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area.

What auto insurance coverages do you need?

Understanding the coverages of your auto insurance policy can help you determine the best coverages for your vehicles. The terms used in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types found on the average auto insurance policy.

Collision protection

This covers damage to your Tahoe resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as scraping a guard rail, colliding with a tree, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Liability

This coverage can cover damage that occurs to other’s property or people that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

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

Liability insurance covers things such as emergency aid, loss of income, repair bills for other people’s vehicles, court costs and medical expenses. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important. Normally the UM/UIM limits are similar to your liability insurance amounts.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as rehabilitation expenses, surgery, dental work, prosthetic devices and doctor visits. They are utilized in addition to your health insurance program or if you are not covered by health insurance. It covers all vehicle occupants in addition to getting struck while a pedestrian. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive coverage

Comprehensive insurance coverage covers damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like a tree branch falling on your vehicle, theft, hitting a bird and falling objects. The highest amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Best coverage at the best price

Discount 2013 Chevy Tahoe insurance can be purchased from both online companies as well as from insurance agents, so you need to quote auto insurance with both to have the best chance of lowering rates. A few companies do not offer internet price quotes and usually these smaller companies only sell coverage through independent agencies.

In this article, we covered a lot of ways to get a better price on 2013 Chevy Tahoe insurance. It’s most important to understand that the more you quote auto insurance, the better chance you’ll have of finding the cheapest auto insurance. Consumers may even find the lowest priced insurance coverage comes from the smaller companies. Smaller companies can often provide lower prices in certain areas than their larger competitors like State Farm and Allstate.

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