View 2013 Chevrolet Tahoe Insurance Rates

Trying to find lower auto insurance rates for your Chevrolet Tahoe? Searching for low-cost insurance for a Chevy Tahoe can turn out to be difficult, but you can follow the following methods to make it easier. There is a right way and a wrong way to find auto insurance online so we’re going to tell you the best way to compare rates on a Chevy and get the best price possible.

If you have insurance now or need new coverage, you can use these techniques to shop for the lowest rates while maximizing coverage. Locating affordable insurance coverage is not that difficult. Vehicle owners just need to understand the most efficient way to compare price quotes online.

Compare car insurance rates

Comparing car insurance rates can take hours if you don’t know the most efficient way to do it. You can waste a lot of time talking to local insurance agents in your area, or you could use online quotes to get rates in a matter of minutes.

Many companies take part in a program where prospective buyers enter their coverage request one time, and each company returns a competitive quote based on that information. This eliminates the need for repetitive form submissions to each company. To participate in this free quote system, click here (opens in new window).

The one disadvantage to pricing coverage this way is you can’t choose which carriers to get quotes from. So if you prefer to pick from a list of companies to compare rates, we put together a list of car insurance companies in your area. View list of insurance companies.

Whichever way you choose to compare rates, make absolute certain that you use exactly the same quote information for each comparison quote. If you enter unequal deductibles or liability limits you will not be able to determine which rate is truly the best.

Insurance Discounts

Car insurance can cost a lot, but you may find discounts to help offset the cost. A few discounts will automatically apply at the time of purchase, but occassionally some discounts must be manually applied before they will apply.

  • Own a Home and Save – Just owning your own home may earn you a small savings since home ownership is proof that your finances are in order.
  • Active Service Discounts – Being deployed in the military could mean lower prices.
  • Fewer Miles Equal More Savings – Low annual miles could qualify for substantially lower premium rates.
  • Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions and the ABS can save up to 10%.
  • Multi-policy Discount – If you can bundle your home and auto insurance with the same company you could get a discount of approximately 10% to 15%.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to wear their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • College Student – Older children who are enrolled in higher education away from home and don’t have a car can be insured at a reduced rate.
  • Government Employees – Being employed by or retired from a federal job could qualify for a slight premium decrease for Tahoe coverage with select insurance companies.
  • Discounts for Multiple Vehicles – Drivers who insure multiple vehicles with the same insurance company can get a discount for every vehicle.
  • Clubs and Organizations – Belonging to a professional or civic organization could qualify you for a break on your next renewal.

Discounts lower rates, but most credits do not apply to the entire policy premium. The majority will only reduce individual premiums such as comp or med pay. So even though it sounds like you would end up receiving a 100% discount, companies don’t profit that way.

To view insurers that provide some of the discounts listed above, click here.

Eight things that influence your insurance rates

Smart consumers have a good feel for some of the factors that are used to determine your car insurance rates. If you have some idea of what determines base rates, this helps enable you to make changes that will entitle you to lower rates.

The following are a partial list of the pieces used by insurance companies to determine your rate level.

  • Credit rating impact car insurance rates – A driver’s credit history will be a significant factor in calculating your premium rate. So if your credit score leaves room for improvement, you could potentially save money when insuring your 2013 Chevrolet Tahoe if you clean up your credit. Insureds with high credit ratings tend to file fewer claims and have better driving records than drivers who have lower credit scores.
  • Do you have a demanding job? – Occupational choices like real estate brokers, social workers and dentists generally pay higher average rates attributed to job stress and incredibly demanding work hours. Conversely, jobs like farmers, engineers and performers have lower than average premiums for Tahoe coverage.
  • Never go without car insurance – Driving without insurance coverage in place is a big no-no and any future policy may cost more because you let your insurance expire. And not only will insurance be more expensive, not being able to provide proof of insurance could earn you fines and jail time.
  • Liability coverage – Liability insurance will provide protection when you are ruled to be at fault for damages caused by your negligence. Liability insurance provides for a legal defense to defend your case. This coverage is relatively inexpensive compared to comp and collision, so drivers should carry high limits.
  • Safety first – Safe vehicles cost less to insure. Safe vehicles have better occupant injury protection and fewer injuries means less claims paid and lower rates for you.
  • Save by staying claim free – If you tend to file frequent claims, you shouldn’t be surprised to get higher rates. Auto insurance companies give the lowest premiums to people who do not rely on their insurance for small claims. Your car insurance is intended to be relied upon for major claims that would cause financial hardship.
  • Small coverages can add up – Insurance companies have many optional add-on coverages that may not really be needed if you don’t pay attention. Things like rental car coverage, accidental death, and motor club memberships are some examples. The coverages may be enticing when deciding what coverages you need, but if they’re wasting money remove them from your policy.
  • City traffic equals higher rates – Having an address in less populated areas of the country has definite advantages if you are looking for the lowest rates. Fewer drivers on the road means a lower chance of having an accident. People who live in big cities tend to have congested traffic and much longer commute distances. More time behind the wheel means more chances of being involved in an auto accident.

Tailor your insurance coverage to you

When choosing coverage, there is no “best” method to buy coverage. Everyone’s situation is a little different.

For instance, these questions may help you determine whether you may require specific advice.

  • Will my rates increase for filing one claim?
  • What is roadside assistance coverage?
  • Which is better, split liability limits or combined limits?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I covered when delivering products for my home-based business?
  • How can I get high-risk coverage after a DUI?
  • Am I covered when driving someone else’s vehicle?
  • Does my 2013 Chevy Tahoe need full coverage?
  • Does having multiple vehicles earn me a discount?
  • Can I get a multi-policy discount for packaging my home and auto coverage?

If you’re not sure about those questions, you might consider talking to an insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and you can get the answers you need.

Auto insurance coverages and their meanings

Knowing the specifics of a auto insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Coverage for liability

This coverage provides protection from damage that occurs to people or other property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability coverage protects against things such as medical services, funeral expenses, structural damage, court costs and loss of income. How much coverage you buy is up to you, but you should buy as high a limit as you can afford.

Collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as crashing into a ditch, scraping a guard rail, crashing into a building and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage

This gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your 2013 Chevy Tahoe.

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 important protection for you and your family.

Comprehensive coverages

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a bird, hail damage and hitting a deer. The highest amount a auto insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses such as ambulance fees, funeral costs and EMT expenses. They are used to cover expenses not covered by your health insurance plan 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 if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Smart consumers save more

As you go through the steps to switch your coverage, make sure you don’t skimp on critical coverages to save a buck or two. In many instances, an insured dropped collision coverage only to discover later that they should have had better coverage. The aim is to purchase a proper amount of coverage at a price you can afford while not skimping on critical coverages.

We just presented quite a bit of information on how to lower your 2013 Chevy Tahoe insurance rates. It’s most important to understand that the more you quote insurance, the better chance you’ll have of finding inexpensive insurance. You may be surprised to find that the best price on insurance coverage is with a company that doesn’t do a lot of advertising.

People leave their current company for any number of reasons including denial of a claim, policy non-renewal, extreme rates for teen drivers and policy cancellation. Regardless of your reason for switching companies, switching insurance coverage companies can be easy and end up saving you some money.

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