Compare 2017 Chevrolet Traverse Insurance Quotes

Looking for better car insurance rates for your Chevrolet Traverse? Having to pay for high-priced Chevrolet Traverse insurance can empty your bank account and make it tough to pay other bills. Doing a rate analysis can save money and help to cut your insurance bill.

Insurance companies such as Progressive, State Farm and GEICO constantly bombard you with ads and it is difficult to see through the cute green geckos and mayhem and find the best price available.

Consumers should take time to compare rates once or twice a year since prices trend upward over time. Even if you think you had the best deal on Traverse insurance two years ago other companies may now be cheaper. Block out anything you think you know about car insurance because we’re going to demonstrate the easiest way to get good coverage at a lower rate.

The quickest method to compare policy rates is to know most larger insurance companies will pay a fee to quote your coverage. The only thing you need to do is take a few minutes to give details like the type of vehicles you drive, if you went to college, an estimate of your credit level, and if a SR-22 is required. Your details gets sent immediately to insurance companies and they return cost estimate with very little delay.

To check 2017 Chevy Traverse insurance prices now, click here and see if a lower rate is available.

Insurance coverage buyers beware

Drivers can’t get away from ads that promise big savings by Allstate, GEICO and Progressive. All the companies make the point that drivers will save a bundle if you get a free auto insurance quote and switch your insurance coverage coverage to their company.

How is it possible that every company can charge lower premium rates? It’s all in how they say it.

Different companies have specific criteria for the type of customer that earns them the most money. For example, a profitable customer may be over the age of 45, has few claims, and drives a car with an anti-theft system. A propective insured who matches that profile will qualify for the lowest rates and will save money with a new company.

Potential customers who do not fit those criteria will probably have to pay higher rates and this results in the customer buying from someone else. The wording the ads use say “drivers who switch” not “all people who quote” save that much when switching. This is how insurance companies can confidently advertise the savings.

Because every company is different, you absolutely need to do a quote comparison often. It is just not possible to predict which insurance companies will have the lowest rates.

Lower the price of car insurance with these tips

Consumers need to have an understanding of a few of the rating criteria that come into play when calculating car insurance rates. When you understand what controls the rates you pay, this allows you to make educated decisions that can earn you better car insurance rates.

  • Use credit responsibly and save – Having a good credit score is a big factor in determining premium rates. Therefore, if your credit rating is lower than you’d like, you may save money insuring your 2017 Chevrolet Traverse by improving your credit score. People that have high credit ratings tend to be better risks to insure than those with lower credit ratings.
  • Extra coverages can add up – Policies have additional coverages that can waste your money if you aren’t diligent. Insurance for vanishing deductibles, better glass coverage, and extra life insurance coverage are probably not needed. They may seem good when you first buy your policy, but if you don’t need them think about removing them and cutting costs.
  • Drive a safer car and pay less – Cars with five star safety ratings tend to have lower insurance rates. The safest vehicles protect occupants better and any reduction in injury severity means lower claim amounts and lower rates for you.
  • No policy lapses lowers premiums – Driving with no insurance is a big no-no and car insurance companies will penalize you for letting your coverage have a gap. Not only will rates go up, failure to provide proof of insurance might get you a revoked license or a big fine.
  • Too many insurance claims will drive car insurance rates up – Companies award lower rates to policyholders who are claim-free. If you file claims often, you can expect higher rates. Auto insurance is designed for the large, substantial claims.
  • Male prices may be higher – Over the last 50 years, statistics have shown that females tend to be a little less risky than males. That doesn’t necessarily mean that men are WORSE drivers than women. They both cause auto accidents at a similar rate, but the male of the species tend to have more serious accidents. Men also statistically get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.

Auto insurance policy discounts

Some insurers do not list every disount available very clearly, so we took the time to find both well-publicized and also the more inconspicuous discounts that you may qualify for.

  • Auto/Home Discount – If you can combine your homeowners and auto policy and insure them with the same company they may give you a discount of up to 20% off your total premium.
  • Active Military Service – Having a family member in the military can result in better auto insurance rates.
  • Accident-Free Discounts – Claim-free drivers can save substantially when compared with drivers who are more careless.
  • Senior Citizens – If you qualify as a senior citizen, you may be able to get a slight reduction on a auto insurance quote on Traverse insurance.
  • Own a Home and Save – Owning a home may earn you a small savings because it requires personal responsibility.

As a footnote on discounts, some credits don’t apply to the entire policy premium. The majority will only reduce individual premiums such as liability, collision or medical payments. Even though the math looks like you would end up receiving a 100% discount, it doesn’t quite work that way.

A few of the larger companies and their possible discounts are shown below.

  • State Farm offers discounts for Drive Safe & Save, passive restraint, Steer Clear safe driver discount, driver’s education, good driver, and multiple autos.
  • Progressive policyholders can earn discounts including homeowner, online signing, multi-policy, good student, continuous coverage, and online quote discount.
  • Travelers has discounts for home ownership, good student, early quote, new car, continuous insurance, and payment discounts.
  • American Family includes discounts for defensive driver, good student, bundled insurance, air bags, and accident-free.
  • Liberty Mutual may have discounts that include new move discount, new graduate, teen driver discount, newly married, exclusive group savings, newly retired, and preferred payment discount.

If you need cheaper auto insurance quotes, ask all companies you are considering which discounts you may be entitled to. Savings might not be offered on policies in your area. To see insurance companies that can offer you the previously mentioned discounts, click here to view.

How do I know if I need professional advice?

When it comes to buying adequate coverage for your personal vehicles, there is no “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. For example, these questions could help you determine whether your personal situation may require specific advice.

  • Is rental equipment covered for theft or damage?
  • What is covered by UM/UIM coverage?
  • Exactly who is provided coverage by my policy?
  • Are split liability limits better than a combined single limit?
  • Do I need higher collision deductibles?
  • Is my teenager covered with friends in the car?
  • Am I covered if I drive in a foreign country?
  • What if I don’t agree with a claim settlement offer?
  • If my 2017 Chevy Traverse is totaled, can I afford another vehicle?
  • Do I need replacement cost coverage?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and can help protect your family.

Insurance coverages 101

Learning about specific coverages of your policy can help you determine the right 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. Listed below are the normal coverages available from insurance companies.

Comprehensive (Other than Collision)

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like falling objects, hail damage and damage from flooding. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Traverse.

Since a lot of drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Normally these coverages are identical to your policy’s liability coverage.

Auto collision coverage

Collision coverage pays for damage to your Traverse resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as backing into a parked car, scraping a guard rail, driving through your garage door and damaging your car on a curb. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance

Medical payments and Personal Injury Protection insurance provide coverage for bills like funeral costs, ambulance fees, dental work and rehabilitation expenses. The coverages can be utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Liability insurance

Liability coverage provides protection from injuries or damage you cause to other people or property that is your fault. It protects you from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined limit which provides one coverage limit with no separate limits for injury or property damage.

Liability insurance covers things such as attorney fees, loss of income and medical services. How much coverage you buy is your choice, but you should buy higher limits if possible.

Saving money makes a lot of cents

As you prepare to switch companies, it’s a bad idea to skimp on critical coverages to save a buck or two. In too many instances, consumers will sacrifice physical damage coverage and learned later that the few dollars in savings costed them thousands. The aim is to buy a smart amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

In this article, we covered a lot of tips how to lower your 2017 Chevy Traverse insurance premium rates. The most important thing to understand is the more companies you get prices for, the better your chances of lowering your prices. Consumers may even find the lowest premium rates are with a lesser-known regional company. Regional companies can often provide lower prices in certain areas as compared to the big name companies such as Allstate, GEICO and Progressive.

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