2016 Chevrolet Trax Car Insurance Quotes

Feel like you’re a prisoner to an underperforming, overpriced insurance policy? Believe me, many drivers have buyer’s remorse. Online insurance companies like Progressive, Geico and Farmers Insurance constantly bombard you with TV and radio ads and consumers find it hard to see through the deception and take the time to shop coverage around.

If you have insurance now or are just looking to switch companies, you can follow these tips to shop for the lowest rates and possibly find even better coverage. Finding the best rates is easy if you know what you’re doing. Drivers only need an understanding of the best way to shop on the web.

Which auto insurance is cheapest?

Cutting your auto insurance rates is a great way to save money. The only thing you need to do is spend a few minutes comparing rates to find the company with inexpensive auto insurance quotes. Shoppers can get rates using a couple different methods.

1. The recommended way consumers can analyze rates is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating separate forms for each company you want a rate for. A single form gets you price quotes instantly.
2. A slightly less efficient method to obtain and compare quotes online is to take the time to go to each individual company website and get a separate price quote. For example, we’ll assume you want to view quotes from Liberty Mutual, Geico and Progressive. To get each rate you have to visit each site to input your insurance information, which can take a lot of time.

   For a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but be certain you are entering apples-to-apples coverage information for each comparison quote. If the quotes have higher or lower deductibles you can’t possibly find the best deal for your Chevy Trax.

Your situation helps dictate your coverage

When it comes to buying the best insurance coverage, there really is no “best” method to buy coverage. Everyone’s situation is a little different and a cookie cutter policy won’t apply. Here are some questions about coverages that can aid in determining whether your personal situation would benefit from professional advice.

• How many claims can I have before being cancelled?
• Is my trailer covered?
• Does insurance cover damages from a DUI accident?
• Do I have coverage when using my vehicle for my home business?
• When should I drop full coverage on my 2016 Chevy Trax?
• Should I carry comprehensive and collision coverage?
• Where can I find DUI or SR-22 insurance?
• Is my teen driver covered when they drive my company car?
• Am I covered if I break a side mirror?
• Will filing a claim cost me more?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, doesn’t cost anything and can provide invaluable advice.

Coverages available on your policy

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. These are the normal coverages available from insurance companies.

Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like sideswiping another vehicle, rolling your car, driving through your garage door, colliding with another moving vehicle and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to choose a higher deductible in order to get cheaper collision rates.

Liability coverage – This coverage protects you from damages or injuries you inflict on other’s property or people in 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. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against things like funeral expenses, medical expenses, pain and suffering and emergency aid. How much liability should you purchase? That is up to you, but buy as large an amount as possible.

Comprehensive coverage (or Other than Collision) – This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, hail damage, falling objects, damage from flooding and damage from a tornado or hurricane. The highest amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low consider dropping full coverage.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for prosthetic devices, rehabilitation expenses, pain medications, EMT expenses and funeral costs. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants and also covers being hit by a car walking across the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy Trax.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.