Compare 2016 Chevrolet Trax Insurance Quotes

Locating cheaper insurance for a Chevy Trax can turn out to be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to compare insurance rates so you’re going to learn the absolute fastest way to quote coverages on a Chevy and get the best price possible.

How to get insurance coverage quotes

Shopping for lower insurance coverage rates is a ton of work if you don’t know the most efficient way. You could spend your day discussing policy coverages with agents in your area, or you could save time and use the internet to achieve your goal.

The majority of car insurance companies enroll in a system where prospective buyers enter their coverage request one time, and at least one company returns a rated price based on that information. This system prevents you from having to do quotation requests to each company.

To participate in this free quote system, click here (opens in new window).

The only drawback to getting quotes like this is that consumers can’t choose the insurers you want to price. So if you want to choose individual companies to receive pricing from, we put together a list of insurance coverage companies in your area. Click here to view list.

Whichever way you use, double check that you are using the same coverage data on every quote you get. If you are comparing mixed coverages it will be impossible to determine which company has the best rates.

There’s no such thing as the perfect insurance policy

When it comes to choosing adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Everyone’s needs are different.

For example, these questions could help you determine whether or not you would benefit from an agent’s advice.

  • Is business equipment covered while in my vehicle?
  • Does my policy pay for OEM or aftermarket parts?
  • Does having multiple vehicles earn me a discount?
  • How can I force my company to pay a claim?
  • Am I covered when driving in Canada or Mexico?
  • Should I sign the liability waiver when renting a car?
  • When do I need to add a new car to my policy?
  • Does my 2016 Chevy Trax need full coverage?

If it’s difficult to answer those questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and you can get the answers you need.

The coverage is in the details

Knowing the specifics of insurance can help you determine the right coverages for your vehicles. Insurance terms can be confusing and nobody wants to actually read their policy.

Comprehensive coverage (or Other than Collision)

This will pay to fix damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like fire damage, rock chips in glass, vandalism, hitting a bird and hitting a deer. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Liability insurance

Liability coverage protects you from damages or injuries you inflict on other people or property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 25/50/25 which means $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against things such as attorney fees, bail bonds and loss of income. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Auto collision coverage

Collision insurance pays for damage to your Trax caused by collision with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things such as hitting a parking meter, sustaining damage from a pot hole, rolling your car and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to get cheaper collision coverage.

Insurance for medical payments

Med pay and PIP coverage provide coverage for bills for things like nursing services, prosthetic devices, EMT expenses, surgery and funeral costs. They can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy Trax.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.