How Much Does 2014 Chevrolet Tahoe Insurance Cost?

Trying to find better insurance coverage rates for your Chevrolet Tahoe? Purchasing the most affordable insurance coverage on the internet may at first seem to be intimidating for drivers new to comparing rates and buying insurance coverage on the internet. With such a large choice of companies competing online, how are drivers expected to even start to compare each option to find better prices?

Consumers need to take a look at other company’s rates every six months since insurance prices are variable and change quite frequently. If you had the lowest rates for Tahoe insurance six months ago you will most likely find a better rate quote today. Forget anything you know (or think you know) about insurance coverage because you’re about to find out one of the best ways to buy cheaper insurance coverage.

If you have car insurance now, you should be able to save some money using these tips. This information will instruct you on the best way to quote coverages and some tips to save money. Although drivers must know how companies compete online and apply this information to your search.

Insurance cost influencing factors

Many different elements are taken into consideration when you quote your car insurance policy. Most are fairly basic such as traffic violations, but other criteria are not as apparent such as your credit history or your commute time.It’s important that you understand some of the things that aid in calculating auto insurance rates. If you know what determines premiums, this enables informed choices that could result in lower auto insurance prices.

  • With age comes responsibility – Teen drivers have a tendency to be inattentive and easily distracted with other occupants in the car so they pay higher auto insurance rates. Mature drivers are viewed as being more responsible, tend to cause fewer accidents .
  • Cheaper premiums with safer cars – Vehicles that have high safety ratings cost less to insure. Vehicles engineered for safety have better occupant injury protection and fewer serious injuries means less money paid by your insurance company and lower rates for you.
  • Miles driven impacts costs – Driving more miles in a year the more you will pay for auto insurance. A lot of insurance companies rate vehicles partially by how you use the vehicle. Vehicles that have low annual miles can get a lower rate compared to those used for work or business. An incorrectly rated Tahoe can cost quite a bit. Verify your auto insurance coverage properly reflects the right rating data.
  • Vehicle theft costs us all – Buying a car with anti-theft technology or alarm system can save you a little every year. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms all aid in stopping your car from being stolen.
  • Are you male or female? – Statistics have proven that females take fewer risks when driving. Now that doesn’t mean women are better drivers. Both sexes get in at-fault accidents in similar percentages, but the males tend to have more serious accidents. Men also statistically receive more major tickets like driving under the influence (DUI). Male teenagers have the highest risk to insure so it costs more to insure them.

The best way to compare insurance rates from multiple companies is to understand auto insurance companies participate in online systems to give free rates quotes. To start a quote, the only thing you need to do is provide a small amount of information like whether you are single or married, whether the vehicles are used for commuting, which vehicles you own, and your education level. That information is sent automatically to many different companies and you will get price comparisons very quickly.

Lower rates by qualifying for discounts

Some insurance providers don’t necessarily list every possible discount very well, so the list below details both well-publicized as well as some of the hidden savings tricks you should be using when you buy car insurance online.

  • Defensive Driving Course – Taking part in a course teaching safe driver skills is a good idea and can lower rates and also improve your driving technique.
  • Smart Student Discounts – A discount for being a good student can earn a discount of 20% or more. Earning this discount can benefit you well after school through age 25.
  • Anti-theft System – Cars, trucks, and SUVs equipped with tracking devices and advanced anti-theft systems are stolen with less frequency and that can save you a little bit as well.
  • Distant Student Discount – who live away from home to go to college and won’t have access to an insured vehicle may qualify for this discount.
  • Online Discount – A few larger online companies give back up to $50 for completing your application on their website.
  • Multiple Vehicles – Purchasing coverage when you have multiple cars or trucks with the same company qualifies for this discount.
  • Telematics Devices – Insureds who allow their company to analyze driving patterns by using a telematics device such as Snapshot from Progressive or Drivewise from Allstate may see discounts if they are good drivers.

We need to note that some of the credits will not apply to the overall cost of the policy. Most cut the price of certain insurance coverages like collision or personal injury protection. Even though it appears all the discounts add up to a free policy, insurance companies aren’t that generous.

A list of companies and the discounts they provide can be found below.

  • State Farm may have discounts that include Steer Clear safe driver discount, multiple autos, student away at school, defensive driving training, passive restraint, and accident-free.
  • Progressive may offer discounts for homeowner, online quote discount, continuous coverage, multi-vehicle, and online signing.
  • Travelers discounts include IntelliDrive, driver training, student away at school, early quote, good student, and continuous insurance.
  • American Family offers premium reductions for good student, air bags, mySafetyValet, bundled insurance, defensive driver, accident-free, and Steer into Savings.
  • Liberty Mutual may include discounts for multi-car, new graduate, newly married, newly retired, and teen driver discount.

When getting free car insurance quotes, it’s a good idea to each insurance company how many discounts you can get. All car insurance discounts may not be offered everywhere. To see a list of insurance companies that offer discounts, click here to view.

Auto insurance is unique, just like you

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

For example, these questions could help you determine whether you will benefit from professional help.

  • Am I covered if I drive in a foreign country?
  • What vehicles should carry emergency assistance coverage?
  • What if I total my 2014 Chevy Tahoe and owe more than it’s worth?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Can I drive in Mexico and have coverage?
  • Can I afford low physical damage deductibles?
  • Am I missing any policy discounts?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, fill out this quick form.

Car insurance coverages for a Chevy Tahoe

Knowing the specifics of your policy can be of help when determining which coverages you need and the correct deductibles and limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.

Collision insurance

Collision coverage covers damage to your Tahoe from colliding with an object or car. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like scraping a guard rail, rolling your car, colliding with another moving vehicle, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability insurance

This coverage can cover damage or injury you incur to people or other property that is your fault. This insurance protects YOU from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 25/50/25 which stand for $25,000 bodily injury coverage, $50,000 for the entire accident, and property damage coverage for $25,000. Another option is one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for things like repair costs for stationary objects, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as high a limit as you can afford.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Chevy Tahoe.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Usually these coverages are identical to your policy’s liability coverage.

Medical expense insurance

Med pay and PIP coverage kick in for short-term medical expenses for things like doctor visits, funeral costs, nursing services and X-ray expenses. They are often utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and gives slightly broader coverage than med pay

Comprehensive (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 and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims like fire damage, a tree branch falling on your vehicle, a broken windshield and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Keep this in mind

When trying to cut insurance costs, you should never buy lower coverage limits just to save a few bucks. In many instances, an accident victim reduced collision coverage only to regret at claim time that a couple dollars of savings turned into a financial nightmare. The aim is to buy the best coverage you can find at a price you can afford and still be able to protect your assets.

Some insurance companies may not offer online price quotes and many times these smaller companies sell through local independent agents. Cheaper 2014 Chevy Tahoe insurance is possible online in addition to local insurance agencies, and you should be comparing both to get a complete price analysis.

Drivers leave their current company for a variety of reasons including high rates after DUI convictions, unfair underwriting practices, denial of a claim and even delays in paying claims. No matter why you want to switch, finding a great new company is not as hard as you think.

Additional car insurance information can be read on the following sites: