2014 Chevrolet Traverse Insurance Rates

Looking for cheaper car insurance rates for your Chevrolet Traverse? Nobody I know looks forward to buying car insurance, especially when the price is too high. Insurance companies such as Allstate, Progressive and Geico promote their brand names with advertising and it is challenging if not impossible to ignore the propoganda and effectively compare rates to find the best deal.

It’s smart to check car insurance prices before your policy renews since insurance rates change regularly. Even if you got the best price for Traverse coverage six months ago a different company probably has better rates today. Forget all the misinformation about car insurance because you’re about to find out the proper way to buy cheaper car insurance.

Insurance Quote Comparison

Most major insurance companies such as State Farm and Allstate quote coverage prices online. Getting online quotes is fairly simple as you just enter the amount of coverage you want into a form. When complete, their system automatically retrieves credit information and your driving record and generates pricing information based on many factors. Being able to quote online simplifies rate comparisons, but the time it takes to visit a lot of sites and fill out multiple forms is repetitive and time-consuming. But it’s very important to do this in order to get the lowest price.

The preferred way to get multiple rate quotes is to use a quote form that gets prices from a lot of companies. This type of form saves time, requires much less work on your part, and makes online shopping much simpler. As soon as you send your information, it is quoted with multiple companies and you can pick your choice of the resulting price quotes. If the quotes result in lower rates, you simply finish the application and purchase the new policy. The entire process just takes a couple of minutes and could lower your rates considerably.

To find out how much you’re overpaying now, simply click here to open in new window and fill out the form. To compare your current rates, we recommend you complete the form with your coverages exactly as they are listed on your policy. This helps ensure you will be getting comparison quotes using the exact same coverages.

Save big with these discounts

Companies that sell car insurance don’t list every available discount very well, so we researched both the well known and the more hidden auto insurance savings. If you don’t get every credit possible, you’re just leaving money on the table.

  • Auto/Life Discount – Larger companies have lower rates if you buy life insurance from them.
  • Save over 55 – If you’re over the age of 55, you may qualify for a discount up to 10% for Traverse coverage.
  • Defensive Driver – Taking a defensive driving course could cut 5% off your bill if you qualify.
  • Organization Discounts – Belonging to certain professional organizations could qualify you for a break on your policy for Traverse coverage.
  • Student in College – Children living away from home attending college and do not have a car can be insured at a reduced rate.
  • Early Signing – Some insurance companies reward drivers for switching policies before your current policy expires. This can save 10% or more.

It’s important to note that most credits do not apply to all coverage premiums. Most only reduce specific coverage prices like collision or personal injury protection. So despite the fact that it appears it’s possible to get free car insurance, you won’t be that lucky.

Car insurance companies that may offer these money-saving discounts may include but are not limited to:

Check with each company which discounts you may be entitled to. Some discounts may not apply in every state.

But I don’t know anything about car insurance

When it comes to buying coverage, there really is not a one size fits all plan. Coverage needs to be tailored to your specific needs and your policy should reflect that. Here are some questions about coverages that might point out if your insurance needs will benefit from professional help.

  • Is my cargo covered for damage or theft?
  • Do I have coverage when making deliveries for my home business?
  • Is upholstery damage covered by car insurance?
  • Can I drive in Mexico and have coverage?
  • How can I get my company to pay me more for my totalled car?
  • Can I rate high risk drivers on liability-only vehicles?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverage specifics

Knowing the specifics of car insurance aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Shown next are typical coverages offered by car insurance companies.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as vandalism, damage from flooding, rock chips in glass and a broken windshield. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Coverage for liability

This coverage provides protection from damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t 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 values of 100/300/100 which means a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims like structural damage, court costs and medical expenses. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Collision coverage protection

Collision coverage will pay to fix damage to your Traverse caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as driving through your garage door, hitting a parking meter, sustaining damage from a pot hole and sideswiping another vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered losses include injuries to you and your family as well as your vehicle’s damage.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP pay for expenses such as chiropractic care, nursing services, ambulance fees, prosthetic devices and pain medications. They are often used in conjunction with a health insurance plan or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay