How Much Does 2014 Chevrolet Tahoe Insurance Cost?

Drivers have a choice when trying to find affordable Chevy Tahoe insurance. They can either waste time contacting agents to get rate comparisons or use the internet to get rate quotes.

There is a right way and a wrong way to compare insurance coverage rates and you need to know the quickest way to price shop coverage for a Chevy and find the best price possible.

Compare insurance rates

There are a variety of methods to compare insurance prices but there is one way that is more efficient than others. You could waste a few hours driving to agents in your area, or you could save time and use online quotes to get rate comparisons in just a few minutes.

Many of the larger companies participate in a marketplace where prospective buyers enter their policy data once, and every company returns a rated price based on that data. This system prevents you from having to do quote requests to every company.

To compare pricing click here (opens in new window).

The only drawback to pricing coverage this way is that you can’t choose which companies to get quotes from. So if you want to choose specific insurance companies for rate comparison, we put together a list of insurance companies in your area. Click here to view list.

Compare rates however you want, just make sure you are using apples-to-apples coverage limits and deductibles for every company. If you compare different deductibles it’s impossible to make a fair comparison for your Chevy Tahoe.

Car insurance companies offer money-saving discounts

Some providers do not advertise the entire discount list very well, so the list below gives a summary of a few of the more common in addition to some of the lesser obvious car insurance savings.

  • Anti-theft Discount – Cars, trucks, and SUVs that have factory anti-theft systems are less likely to be stolen and will save you 10% or more.
  • Organization Discounts – Joining a professional or civic organization is a simple method to lower premiums when shopping for car insurance.
  • Include Life Insurance and Save – Insurance companies who offer life insurance give a small discount if you purchase some life insurance too.
  • Senior Discount – If you’re over the age of 55, you are able to get a small discount on rates on Tahoe insurance.
  • Save with More Vehicles Insured – Drivers who insure more than one vehicle with one company can reduce the rates for all insured vehicles.
  • Policy Bundle Discount – If you can combine your home and auto policy with one insurance company they may give you a discount of as much as 10 to 15 percent.
  • Claim-Free Discount – Insureds with no claims or accidents are rewarded with significantly better rates on insurance quote when compared to policyholders that have many claims.
  • Defensive Driver – Taking part in a defensive driver course could possibly earn you a 5% discount and make you a better driver.
  • Discount for Swiching Early – Some car insurance companies give discounts for switching to them before your current coverage expires. You could save around 10% when you buy insurance online.

One thing to note about discounts is that most of the big mark downs will not be given to your bottom line cost. Most cut the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like you could get a free car insurance policy, nobody gets a free ride.

If you would like to view providers who offer free car insurance quotes, click here to view.

Do I just need basic coverages?

When it comes to choosing adequate coverage, there is no single plan that fits everyone. Everyone’s situation is unique.

Here are some questions about coverages that can aid in determining if you might need professional guidance.

  • Am I covered when using my vehicle for business?
  • Do I need more liability coverage?
  • Do I have any recourse if my insurance company denies a claim?
  • Does insurance cover tools stolen from my truck?
  • Is my custom paint covered by insurance?
  • If I drive on a suspended license am I covered?
  • Do I need rental car coverage?
  • Will my rates increase for filing one claim?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Car insurance coverages for a 2014 Chevy Tahoe

Having a good grasp of insurance can be of help when determining which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Collision insurance

This covers damage to your Tahoe resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as colliding with another moving vehicle, rolling your car and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for bills for chiropractic care, surgery and prosthetic devices. They are utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and may carry a deductible

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your Chevy Tahoe.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Frequently these coverages are identical to your policy’s liability coverage.

Comprehensive insurance

This will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like damage from flooding, rock chips in glass, falling objects and a broken windshield. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Coverage for liability

This can cover damages or injuries you inflict on other’s property or people in an accident. It protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things such as repair bills for other people’s vehicles, medical services and repair costs for stationary objects. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.