1996 Chevrolet Tahoe Car Insurance Cost

Searching for lower insurance rates for your Chevrolet Tahoe? Perplexed by the sheer number of insurance sources in your area? You’re not alone. Vehicle owners have so many choices that it can easily turn into a burden to find a cheaper company.

Verify you’re applying every discount

Properly insuring your vehicles can get expensive, but you might find some hidden discounts that can drop the cost substantially. Most are applied at the time of purchase, but some discounts are required to be asked about in order for you to get them.

  • Policy Bundle Discount – If you have multiple policies and insure them both with the same insurance company you could earn a discount of at least 10% off all policies.
  • 55 and Retired – Mature drivers can get lower premium rates for Tahoe insurance.
  • No Accidents – Good drivers with no accidents have much lower rates in comparison with accident-prone drivers.
  • Discounts for Government Workers – Having worked for a branch of the government could cut as much as 10% off for Tahoe insurance with select insurance companies.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course if offered at their school.
  • Military Rewards – Having a deployed family member may lower your rates slightly.
  • Buy New and Save – Buying a new car model can be considerably cheaper because newer vehicles are generally safer.
  • Distant College Student Discount – Children who attend college more than 100 miles from home and don’t have a car may be insured at a cheaper rate.

Discounts reduce rates, but you should keep in mind that most of the big mark downs will not be given to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. Just because you may think it’s possible to get free car insurance, car insurance companies aren’t that generous.

To choose car insurance companies that provide some of the discounts listed above, click here to view.

Smart buyers save every year

Multiple criteria are used in the calculation when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, but some are less apparent like your continuous coverage or your commute time.

Listed below are just a few of the factors that factor into your premiums.

  • Age of drivers impacts costs – Older people are shown to be more cautious, cause fewer claims and accidents and tend to be get fewer driving tickets.Young drivers are statistically proven to be inattentive and easily distracted when behind the wheel therefore insurance coverage rates are much higher.
  • Better prices for no policy lapses – Having a lapse in insurance coverage will be a quick way to trigger a rate increase. Not only will rates go up, the inability to provide proof of insurance could result in a fine, jail time, or a revoked license.
  • Raising comp and collision deductibles lowers prices – Protection for physical damage, aka comp and collision, covers your vehicle from damage. Some instances where coverage would apply would be running into the backend of another car, damage caused by hail, and having your car stolen. The deductibles you choose tell how much you are required to spend if you file a covered claim. The more damage repair cost you pay before a claim is paid (deductible), the less your company will charge you for insurance for Tahoe insurance.
  • Reduce insurance coverage rates by driving vehicles with better crash test results – Cars with five star safety ratings can get you lower premiums. Safe vehicles help reduce the chance of injuries in an accident and better occupant protection translates directly to fewer claims and cheaper rates on your policy. If your Chevy Tahoe has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you may qualify for a discount.
  • Extra coverages push up premiums – Insurance companies have many add-on coverages you can purchase on your insurance coverage policy. Insurance for replacement cost coverage, better glass coverage, and membership fees are examples of these. They may sound like good ideas initially, but if you have no use for them remove them from your policy.
  • Married people drive safer – Your spouse may cut your premiums compared to being single. Having a significant other means you’re more mature and responsible and insurance companies reward insureds because married couples file fewer claims.
  • Lower prices with alarm systems – Buying a car with anti-theft technology or alarm system can help lower your rates. Anti-theft features such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping auto theft.
  • Tickets drive up prices – Whether or not you get tickets influences premium rates substantially. Having a single chargable violation may cause rates to rise by as much as thirty percent. Drivers with clean records have lower premiums compared to bad drivers. Drivers who have gotten serious violations like DUI or willful reckless driving may be required to submit a SR-22 or proof of financial responsibility with their state in order to legally drive a vehicle.

When should I discuss my situation with an agent?

When it comes to buying proper insurance coverage for your vehicles, there really is not a best way to insure your cars. Everyone’s situation is unique.

These are some specific questions can aid in determining whether you might need an agent’s assistance.

  • Should I have combined single limit or split liability limits?
  • Am I covered when driving on a suspended license?
  • Should I have a commercial auto policy?
  • Should I put collision coverage on all my vehicles?
  • Is a new car covered when I drive it off the dealer lot?
  • Is upholstery damage covered by car insurance?
  • Am I covered when using my vehicle for business?
  • Who is covered by my policy?

If you can’t answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, fill out this quick form.

Slick advertising tricks that work

Auto insurance providers like Progressive, Geico, Allstate and State Farm constantly bombard you with television and radio advertisements. All the ads convey the message about savings just by switching your policy. How do they all claim to save you money? Just pay attention to how they say it.

Insurance companies are able to cherry pick for the driver that earns them a profit. One example of a desirable risk may need to be between 30 and 50, has a low-risk occupation, and drives a lower-performance vehicle. Someone that hits that “sweet spot” will most likely get cheap rates and will probably save if they switch.

Potential insureds who are not a match for this stringent profile may be required to pay more expensive rates and ends up with the customer buying from someone else. If you pay close attention to the ads, they say “drivers who switch” but not “everyone who gets a quote” can get the lowest rates when switching. That is how insurance companies can confidently make those statements.

That is why it’s extremely important to get price quotes at each policy renewal. It is just not possible to predict which auto insurance company will have the lowest rates.

Coverages available on your policy

Having a good grasp of a auto insurance policy aids in choosing the right coverages for your vehicles. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for hospital bills for your injuries and damage to your Chevy Tahoe.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are set the same as your liablity limits.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for bills like rehabilitation expenses, nursing services, doctor visits and funeral costs. They are used in conjunction with a health insurance program or if you do not have health coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive protection

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as hitting a deer, hitting a bird, damage from getting keyed and hail damage. The highest amount your auto insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability coverages

Liability coverage can cover damage or injury you incur to other people or property that is your fault. It protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that means you have a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see a combined single limit or CSL which provides one coverage limit and claims can be made without the split limit restrictions.

Liability insurance covers things such as repair bills for other people’s vehicles, pain and suffering, structural damage and loss of income. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Auto collision coverage

This coverage pays to fix your vehicle from damage from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a ditch, hitting a mailbox and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Online plus local equals savings

In this article, we presented many ideas to lower your 1996 Chevy Tahoe insurance rates. The key thing to remember is the more times you quote, the higher the chance of saving money. Drivers may discover the lowest rates are with some of the lesser-known companies.

As you shop your coverage around, it’s not a good idea to buy lower coverage limits just to save a few bucks. In too many instances, someone sacrificed liability coverage limits only to discover later they didn’t have enough coverage. The aim is to purchase plenty of coverage for the lowest price but still have enough coverage for asset protection.

Insureds switch companies for a number of reasons such as unfair underwriting practices, an unsatisfactory settlement offer, not issuing a premium refund or even high prices. It doesn’t matter why you want to switch switching companies is less work than it seems.

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