View 1996 Chevrolet Tahoe Insurance Rates

Paying for high-priced Chevrolet Tahoe insurance can dwindle your personal savings and force you to prioritize other expenses. Comparison shopping is a great way to lower your monthly bill. Companies like Geico and Progressive constantly bombard you with fancy advertisements and consumers find it hard to see past the geckos and flying pigs and find the best price available.

You need to shop coverage around once or twice a year since rates fluctuate regularly. Just because you had the lowest rates for Tahoe coverage a year ago there may be better deals available now. You can find a lot of wrong information about car insurance on the web, but I’m going to show you some great ideas on how to slash your car insurance rates.

Companies offer discounts so take them!

Car insurance companies don’t necessarily list every discount very clearly, so we researched both the well known and the more hidden insurance savings. If you’re not getting every credit you deserve, you are paying more than you should be.

  • Homeowners Savings – Owning a home can save you money because of the fact that having a home requires personal responsibility.
  • Organization Discounts – Being a member of a civic or occupational organization may earn a discount on insurance for Tahoe coverage.
  • Federal Government Employee – Employees or retirees of the government could cut as much as 10% off for Tahoe coverage with a few insurance companies.
  • E-sign – A few companies will discount your bill up to fifty bucks simply for signing on their website.
  • Passive Restraints – Vehicles with factory air bags and/or automatic seat belt systems may earn rate discounts of 20% or more.
  • Seat Belts Save more than Lives – Requiring all passengers to wear their seat belts can save 10% or more off your medical payments premium.
  • Discount for New Cars – Adding a new car to your policy is cheaper compared to insuring an older model.
  • Student in College – Youth drivers who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you will save approximately 10% to 15%.
  • Multiple Cars – Insuring all your vehicles on one policy can get a discount on all vehicles.

Consumers should know that many deductions do not apply to the entire cost. Most only reduce specific coverage prices like comprehensive or collision. Just because it seems like you could get a free insurance policy, it just doesn’t work that way.

To see a list of providers with discount insurance rates, click here.

Factors influencing Chevy Tahoe insurance rates

An important part of buying insurance is that you know the different types of things that play a part in calculating auto insurance rates. Having a good understanding of what influences your rates enables informed choices that will entitle you to big savings.

  • Don’t skimp on liability – Your policy’s liability coverage is the coverage that protects you if ever you are found to be at fault for personal injury or accident damage. Liability insurance provides legal defense which can be incredibly expensive. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
  • Occupation reflects on rates – Did you know your job can affect your rates? Jobs such as doctors, architects and dentists have the highest average rates in part from high stress and lengthy work days. Other jobs such as pilots, historians and homemakers get better rates for Tahoe coverage.
  • How your age affects price – Teenage drivers are statistically proven to be less responsible behind the wheel so auto insurance rates are higher. Adding a youthful driver onto a policy can be quite pricey. Older drivers tend to be more responsible, file fewer claims and tend to be better behind the wheel.
  • More claims means more premium – If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Auto insurance companies generally give lower rates to people who are claim-free. Auto insurance is meant to be used in the event of larger claims.
  • Drive a safer car and pay less – Vehicles with good safety scores are cheaper to insure. The safest vehicles reduce injuries and lower injury rates means lower claim amounts and lower rates for you. If your Chevy Tahoe scored better than four stars on Safercar.gov you may qualify for a discount.
  • Having a spouse can save you money – Having a wife or husband helps lower the price on your auto insurance policy. It translates into being more responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Do you need those extra coverages? – There are quite a few additional coverages that you can get tricked into buying when buying auto insurance. Coverages for roadside assistance, accidental death and membership fees may be wasting your money. These may sound like a good investment initially, but your needs may have changed so eliminate them to save money.
  • Bundling policies can get discounts – Some insurance companies will give a discount to policyholders who consolidate policies with them in the form of a multi-policy discount. Even with this discount, it’s in your best interest to compare rates to confirm you are receiving the best rates possible.

Do I just need basic coverages?

When buying the right insurance coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different and your policy should reflect that. These are some specific questions may help highlight whether you would benefit from an agent’s advice.

  • Should I carry comprehensive and collision coverage?
  • When should my teen driver be added to my policy?
  • When would I need rental car insurance?
  • Does my 1996 Chevy Tahoe qualify for pleasure use?
  • Am I covered by my spouse’s policy after a separation?
  • When can my company non-renew my policy?
  • Am I covered when using my vehicle for business?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It is quick, free and may give you better protection.

Can you really save that much by switching?

Consumers constantly see and hear ads that promise big savings by companies like 21st Century, Allstate and State Farm. All the ads have a common claim that you can save if you move to them.

How does each company make almost identical claims? It’s all in the numbers.

Insurance companies are able to cherry pick for the type of driver that makes them money. An example of a profitable customer could possibly be between the ages of 30 and 50, owns a home, and drives less than 10,000 miles a year. A propective insured that hits that “sweet spot” gets the lowest rates and as a result will probably save when they switch companies.

Potential customers who do not match the requirements will be quoted a more expensive rate and ends up with business not being written. The ads state “people who switch” not “everybody who quotes” save that much. This is how insurance companies can make those claims. This emphasizes why you should get a wide range of price quotes. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Information about specific coverages

Understanding the coverages of your policy can be of help when determining which coverages you need and proper limits and deductibles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages offered by insurance companies.

Liability insurance – Liability coverage protects you from injuries or damage you cause to a person or their property by causing an accident. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims such as emergency aid, pain and suffering and bail bonds. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. It can pay for medical payments for you and your occupants as well as damage to your Chevy Tahoe.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is a good idea.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for rehabilitation expenses, X-ray expenses and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Collision coverage – Collision insurance will pay to fix damage to your Tahoe resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as crashing into a building, driving through your garage door, damaging your car on a curb, backing into a parked car and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

Comprehensive coverages – This coverage will pay to fix damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like rock chips in glass, hail damage, theft, a tree branch falling on your vehicle and damage from a tornado or hurricane. The most you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Save your cold hard cash

Discount 1996 Chevy Tahoe insurance is possible on the web as well as from independent agents, and you should be comparing both to have the best rate selection. Some car insurance companies don’t offer online quoting and most of the time these regional insurance providers sell through independent agents.

While you’re price shopping online, do not buy poor coverage just to save money. There are a lot of situations where someone dropped uninsured motorist or liability limits only to find out that the savings was not a smart move. The ultimate goal is to purchase plenty of coverage at the best price while still protecting your assets.

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