View 1997 Chevrolet Tahoe Car Insurance Quotes

Expensive insurance coverage can dwindle your checking account and force you to prioritize other expenses. Doing a price comparison is free and is an excellent way to reduce premiums and put more money in your pocket. Numerous car insurance companies battle for your business, so it’s not easy to compare every provider and get the best coverage at the best rates possible.

If you have insurance now or need a new policy, you can use these techniques to find the best rates and still get good coverage. Finding the best rates is easy if you know what you’re doing. Consumers just need to know the tricks to compare prices online.

Compare Insurance Today

Lowering your 1997 Chevy Tahoe insurance rates is a fairly straight forward process. Drivers just need to take a couple of minutes getting comparison quotes online with multiple companies. This can be accomplished in a couple of different ways.

  • The recommended way to find low rates would be an industry-wide quote request form like this one (opens in new window). This form eliminates the need for multiple quote forms for every insurance company. One form compares rates instantly.
  • A more time consuming way to get comparison quotes requires a visit to the website for every company you want to comare and request a quote. For sake of this example, we’ll pretend you want comparison quotes from Liberty Mutual, Allstate and GMAC. To find out each rate you need to spend time on each company’s site and enter your information, and that’s why the first method is more popular. To view a list of companies in your area, click here.
  • The most time-consuming method to compare rates is driving around to different agent offices. The internet can eliminate the need for a local agent unless you require the professional guidance of a licensed agent. It is possible to price shop online and still use a local agent and we’ll touch on that later.

It’s your choice how you get your quotes, but ensure you are comparing identical coverages with every price quote. If you use different limits and deductibles on each one it’s impossible to determine the best price for your Chevy Tahoe.

Auto insurance ads bend the truth

Consumers can’t get away from ads that promise big savings from companies such as Allstate, Geico and Progressive. They all make an identical promise about savings if you move your policy.

How does each company claim to save you money? This is how they do it.

Different companies have a certain “appetite” for the driver that makes them money. For instance, a profitable customer might be profiled as over the age of 40, has no tickets, and has great credit. A customer who matches those parameters gets the lowest rates and as a result will probably save quite a bit of money when switching.

Drivers who don’t meet the “perfect” profile will be quoted a higher premium which usually ends up with the driver buying from a lower-cost company. The ad wording is “customers who switch” not “everyone that quotes” save that much. That’s the way insurance companies can advertise the way they do.

This emphasizes why you need to compare as many rates as you can. It’s just too difficult to predict which insurance companies will have the lowest Chevy Tahoe insurance rates.

Do you qualify for discounts?

Car insurance is not cheap, but there could be available discounts that many people don’t even know exist. Most are applied at the time of quoting, but lesser-known reductions have to be specifically requested before you get the savings. If you don’t get every credit available, you’re just leaving money on the table.

  • Braking Control Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Resident Student – Kids in college living away from home attending college and do not have access to a covered vehicle can receive lower rates.
  • Homeowners Discount – Simply owning a home can help you save on insurance coverage due to the fact that maintaining a home demonstrates responsibility.
  • Claim Free – Drivers who don’t have accidents can earn big discounts when compared to bad drivers.
  • Auto/Home Discount – When you combine your home and auto insurance with one insurance company you may earn at least 10% off all policies.
  • No Charge for an Accident – Certain companies will allow you to have one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • 55 and Retired – If you qualify as a senior citizen, you may receive a small decrease in premiums on Tahoe insurance.
  • Drivers Ed for Students – Require your teen driver to take driver’s ed class in high school.
  • Seat Belt Usage – Using a seat belt and requiring all passengers to use a seat belt can save up to 15% on the medical payments or PIP coverage costs.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of up to 25% or more.

It’s important to understand that many deductions do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability and collision coverage. Just because it seems like it’s possible to get free car insurance, insurance coverage companies aren’t that generous. But any discount will cut your premiums.

Car insurance companies who might offer these benefits may include but are not limited to:

Before buying, ask each insurance company what discounts are available to you. All car insurance discounts might not apply everywhere.

Don’t assume everyone needs the same coverage

When choosing adequate coverage for your personal vehicles, there really is not a “perfect” insurance plan. Each situation is unique so your insurance needs to address that. For example, these questions might point out if your insurance needs would benefit from professional advice.

  • What can I do if my company won’t pay a claim?
  • When do I need to add a new car to my policy?
  • Am I insured when driving a different vehicle?
  • Is there coverage for injuries to my pets?
  • Should I get collision insurance on every vehicle?
  • What is the ISO rating for a 1997 Chevy Tahoe?
  • Is rental equipment covered for theft or damage?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can help protect your family.

Insurance coverage specifics

Knowing the specifics of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.

Comprehensive insurance

This coverage pays for damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims like a tree branch falling on your vehicle, falling objects, vandalism and damage from a tornado or hurricane. The maximum payout your insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses for things like hospital visits, doctor visits and pain medications. They are often used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Liability

This provides protection from damage that occurs to people or other property that is your fault. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.

Liability insurance covers things like funeral expenses, repair bills for other people’s vehicles, pain and suffering and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but buy as much as you can afford.

Auto collision coverage

This covers damage to your Tahoe resulting from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like damaging your car on a curb, hitting a parking meter, hitting a mailbox and scraping a guard rail. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to choose a higher deductible to save money on collision insurance.

More quotes. Lower rates.

You just read many ways to compare 1997 Chevy Tahoe insurance prices online. The key thing to remember is the more you quote, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest rates come from a lesser-known regional company. Smaller companies can often provide lower rates in certain areas than their larger competitors like Allstate, Geico and Progressive.

When you buy insurance online, it’s very important that you do not reduce coverage to reduce premium. In too many instances, an insured cut full coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. The aim is to purchase plenty of coverage for the lowest price.

Low-cost insurance is possible both online in addition to many insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not provide you the ability to get quotes online and many times these smaller companies only sell through independent insurance agents.

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