2010 Chevrolet Tahoe Insurance Quotes

Having to pay for pricey Chevrolet Tahoe insurance can bottom out your checking account and maybe even restrict other spending. Getting a rate comparison can be a smart way to reduce premiums and put more money in your pocket.

People have multiple insurance companies to choose from, and though it is a good thing to have a choice, lots of choices makes it harder to compare rates and find the lowest cost car insurance.

Locating the lowest cost insurance coverage is easy if you know what you’re doing. Essentially every vehicle owner who carries insurance will most likely be able to cut their insurance bill. Nevertheless, consumers can benefit by having an understanding of the methods companies use to sell online and apply this information to your search.

How to lower your insurance cost

Comparing insurance rates can be exhausting if you aren’t aware of the fastest way to get free quotes. You can spend your afternoon talking to local insurance agents in your area, or you could use the web to quickly compare rates.

Many companies take part in a program that enables customers to only type in their quote data once, and at least one company can give them a price. This system prevents you from having to do quote forms to each individual insurance company.

To participate in this free quote system, click here to open in new window.

One minor caviat to comparing rates this way is buyers cannot specifically choose the insurers you want to price. If you would rather choose from a list of companies for rate comparison, we have a listing of insurance companies in your area. Click here to view list.

However you get your quotes, try to use apples-to-apples quote information on every quote. If the quotes have different data it will be nearly impossible to determine the best price for your Chevy Tahoe. Quoting even small variations in limits may cause a big price difference. And when quoting insurance, remember that comparing all the rates in your area will improve the odds of getting better pricing. Not every company does online quotes, so it’s necessary to compare prices from them, too.

Auto insurance companies offer money-saving discounts

Some companies don’t list every possible discount very clearly, so the below list has some of the best known in addition to some of the lesser obvious discounts that you can inquire about if you buy auto insurance online.

Defensive Driving Course – Participating in a defensive driver course may get you a small discount and make you a better driver.
Buy New and Save – Buying a new car instead of a used car can cost up to 25% less due to better safety requirements for newer vehicles.
Braking Control Discount – Cars with ABS and/or traction control are safer to drive and earn discounts up to 10%.
Professional Memberships – Joining a qualifying organization is a good way to get lower rates on your policy.
Multiple Policy Discount – When you combine your auto and homeowners insurance and insure them both with the same insurance company you could earn a discount of at least 10% off all policies.
Service Members Pay Less – Being on active duty in the military could qualify you for better premium rates.
Good Students Pay Less – Being a good student may save as much as 25% on a auto insurance quote. The discount lasts well after school through age 25.
Anti-theft Discount – Anti-theft and alarm system equipped vehicles are stolen less frequently and that can save you a little bit as well.
Senior Citizen Discount – If you qualify as a senior citizen, you may receive lower premium rates for Tahoe coverage.
No Charge for an Accident – Not really a discount, but companies like Allstate and GEICO will allow you to have one accident before your rates go up if your claims history is clear prior to being involved in the accident.

While discounts sound great, it’s important to understand that most discounts do not apply to the entire policy premium. Most only apply to the cost of specific coverages such as liability, collision or medical payments. Even though the math looks like you could get a free auto insurance policy, companies don’t profit that way. But any discount will help reduce your premiums.

Popular auto insurance companies and a selection of discounts can be found below.

Progressive offers discounts including multi-policy, good student, continuous coverage, online signing, online quote discount, and homeowner.
GEICO offers discounts for federal employee, driver training, multi-vehicle, air bags, daytime running lights, and emergency military deployment.
State Farm may offer discounts for good student, accident-free, defensive driving training, passive restraint, and multiple policy.
Esurance discounts include Switch & Save, Pac-12 alumni, anti-theft, renters, homeowner, DriveSense, and online shopper.
The Hartford may have discounts that include bundle, anti-theft, driver training, vehicle fuel type, air bag, defensive driver, and good student.

If you are trying to find cheaper auto insurance quotes, ask every prospective company how you can save money. Depending on the company, some discounts might not be offered in your area. To see a list of insurers who offer cheap auto insurance quotes, click here.

Do I just need basic coverages?

When choosing the best insurance coverage for your vehicles, there really is not a perfect coverage plan. Every situation is different so your insurance should reflect that These are some specific questions could help you determine if your insurance needs will benefit from professional help.

Should I buy more coverage than the required minimum liability coverage?
How many claims can I have before being cancelled?
Is my trailer covered?
How much liability insurance is required?
Does insurance cover damages from a DUI accident?
What vehicles should carry emergency assistance coverage?
I don’t drive much so do I pay less?
Do I have any recourse if my insurance company denies a claim?
Do I need replacement cost coverage?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form or you can also visit this page to select a carrier

Specific coverage details

Learning about specific coverages of a car insurance policy helps when choosing appropriate coverage for your vehicles. The coverage terms in a policy can be ambiguous and coverage can change by endorsement. Listed below are typical coverages offered by car insurance companies.

Coverage for liability

This coverage can cover injuries or damage you cause to other’s property or people that is your fault. It protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which stand for $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for claims like structural damage, loss of income, pain and suffering, legal defense fees and medical expenses. How much coverage you buy is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers

This gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, hitting a bird and vandalism. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses like ambulance fees, X-ray expenses and EMT expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states and may carry a deductible

Collision coverage

Collision coverage pays for damage to your Tahoe from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims like scraping a guard rail, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. You can also raise the deductible to get cheaper collision coverage.