1999 Chevrolet Tahoe Insurance Rates – 8 Tips to Save

Searching for low-cost insurance for a new or used Chevy Tahoe could be a lot of work, but you can use these tips to find lower rates.

There is a better way to find insurance coverage online so we’re going to tell you the absolute fastest way to compare rates for a Chevy and locate the lowest price from local insurance agents and online providers.

If you have insurance now or are just looking to switch companies, you can follow these tips to find better prices and possibly find even better coverage. Finding cheaper protection is quite easy. Consumers just need to understand the proper methods to get comparison quotes online.

Quote car insurance online

Getting a cheaper price on 1999 Chevy Tahoe insurance is actually quite simple. Drivers just need to spend a few minutes on the computer getting comparison quotes from online providers. It’s super easy and can be done in a couple of different ways.

  1. Hands down the most simple method consumers can make multiple comparisons would be an industry-wide quote request form (click to open form in new window). This easy form eliminates the need for separate forms for each price estimate. Filling out one form gets insurance cost estimates from multiple companies. It’s the fastest way to compare.
  2. A less efficient way to get comparison quotes requires you to visit the website for each individual company to complete a price quote. For examples sake, we’ll assume you want to compare prices for Farmers, Safeco and GMAC. To do that, you would have to visit each site to input your insurance information, which can get rather old. To view a list of companies in your area, click here.

Whichever way you choose to compare rates, be sure you’re using apples-to-apples coverage limits and deductibles for each quote you get. If your comparisons have different deductibles it will be impossible to find the best deal for your Chevy Tahoe.

Take advantage of every insurance discount

The cost of insuring your cars can be expensive, but there are discounts available that could help you make your next renewal payment. Some discounts apply automatically at quote time, but some must be manually applied before being credited.

  • Theft Deterent – Cars, trucks, and SUVs with anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
  • Multiple Vehicles – Drivers who insure several vehicles on one policy can reduce the rates for all insured vehicles.
  • Bundled Policy Discount – When you combine your homeowners and auto insurance with one company you may earn approximately 10% to 15%.
  • Claim Free – Drivers who don’t have accidents can save substantially when compared to drivers who are more careless.
  • Military Rewards – Being on active deployment in the military could be rewarded with lower premium rates.
  • Braking Control Discount – Cars and trucks with anti-lock braking systems can stop better under adverse conditions and earn discounts up to 10%.
  • Renewal Discounts – A few companies offer discounts for switching policies before your current expiration date. You could save around 10% when you buy car insurance online.
  • Full Payment Discount – If you pay your bill all at once rather than paying in monthly installments you may reduce your total bill.

Policy discounts save money, but most discount credits are not given to your bottom line cost. Some only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like it’s possible to get free car insurance, nobody gets a free ride.

To locate insurance companies with discount rates, click here to view.

How to know if you need help

When buying proper insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique.

For instance, these questions can aid in determining whether you may require specific advice.

  • Am I covered if I crash into my own garage door?
  • Is my camper covered by my car insurance policy?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • When would I need additional glass coverage?
  • What companies insure drivers after a DUI or DWI?
  • Do I get a pro-rated refund if I cancel my policy early?
  • What is covered by UM/UIM coverage?
  • Do I pay less for low miles?

If you can’t answer these questions, then you may want to think about talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and can help protect your family.

Do you really save 40% when you switch?

Consumers can’t get away from ads for insurance savings by State Farm, Allstate and GEICO. They all state the claim about savings just by switching your coverage to them.

How is it plausible that every one can offer drivers better rates? This is the trick they use.

Companies quote their best rates for the type of customer that will be a good risk. For instance, this type of insured may need to be between the ages of 40 and 55, has no driving citations, and insures a new vehicle. A propective insured that fits those parameters will qualify for the lowest rates and will save quite a bit of money when switching.

Consumers who do not match the “perfect” profile will be charged a more expensive rate which usually ends up with the customer not buying. Company advertisements say “drivers that switch” not “all people who quote” save that much money. That’s why companies can claim big savings.

Because every company is different, drivers should get car insurance quotes from several different companies. You cannot predict which insurance company will give you the biggest savings.

Insurance coverage specifics

Learning about specific coverages of your insurance policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as damage from a tornado or hurricane, rock chips in glass, a broken windshield and theft. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like prosthetic devices, doctor visits, funeral costs and pain medications. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Coverage for collisions

Collision insurance pays to fix your vehicle from damage from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision insurance covers things like hitting a parking meter, backing into a parked car, rolling your car and driving through your garage door. This coverage can be expensive, so consider removing coverage from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

UM/UIM Coverage

This gives you protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Chevy Tahoe.

Due to the fact that many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Usually these coverages are similar to your liability insurance amounts.

Auto liability

This protects you from damage that occurs to people or other property that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as loss of income, repair costs for stationary objects and medical services. The amount of liability coverage you purchase is up to you, but buy as high a limit as you can afford.

Saving money makes a lot of cents

In this article, we covered some good ideas how to get a better price on 1999 Chevy Tahoe insurance. The key concept to understand is the more you quote car insurance, the more likely it is that you will get a better rate. Consumers may even find the most savings is with a small local company.

Cheaper auto insurance is possible both online as well as from insurance agents, so you need to shop car insurance with both to have the best chance of lowering rates. Some companies may not provide online price quotes and many times these regional insurance providers only sell through independent insurance agents.

As you restructure your insurance plan, never skimp on coverage in order to save money. Too many times, an insured dropped liability coverage limits and learned later they didn’t purchase enough coverage. Your aim should be to purchase a proper amount of coverage at the best possible price.

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