How Much Does 1999 Chevrolet Tahoe Insurance Cost?

No normal person looks forward to paying premiums for insurance coverage, especially knowing they could lower their rates if they shopped around. You have so many insurers to purchase coverage from, and although it’s nice to have multiple companies, having more auto insurance companies makes it harder to find the best rates.

You should make it a habit to get comparison quotes as often as possible because insurance coverage prices are variable and change quite frequently. Even if you got the best deal on Tahoe coverage two years ago you will most likely find a better rate quote today. Ignore everything you know about insurance coverage because we’re going to demonstrate the tricks you need to know to buy cheaper insurance coverage.

Locating affordable car insurance coverage is easy if you know what you’re doing. If you have a current car insurance policy or are shopping for new coverage, you can use these tips to find the best rates while maintaining coverages. Drivers just need to learn the proper methods to shop their coverage around on the web.

How to buy car insurance online

Finding a lower price on 1999 Chevy Tahoe insurance is a fairly straight forward process. Consumers just need to take a few minutes comparing price quotes from some recommended companies. This can be done by following the guidelines below.

  • The most efficient method consumers can analyze rates is to use a rate comparison form (click to open form in new window). This style of form prevents you from having to do separate quotes for every prospective company. A single, simple form gets you coverage quotes from all major companies.
  • Another way to find better pricing consists of going to the website of each company and fill out their own quote form. For examples sake, we’ll pretend you want to compare rates from Farmers, Esurance and Liberty Mutual. You would need to visit each site to enter your coverage information, which is why the first method is more popular. To view a list of companies in your area, click here.

It doesn’t matter which method you choose, just ensure you are comparing exactly the same coverage limits on every quote you get. If each company quotes differing limits it’s impossible to find the best deal for your Chevy Tahoe.

Chevy Tahoe insurance cost factors

Lots of things are taken into consideration when pricing auto insurance. A few of the factors are predictable such as your driving record, although some other factors are not quite as obvious like where you live or your financial responsibility.An important part of buying insurance is that you know some of the things that help calculate the price you pay for car insurance. If you have some idea of what positively or negatively impacts your premiums, this allows you to make educated decisions that can help you get big savings.

  • City dwellers may pay more – Having an address in less populated areas may provide you with better prices when buying car insurance. Drivers who live in large cities have more road rage incidents and longer commutes to work. Lower population means less chance of accidents and lower theft and vandalism rates.
  • Raising physical damage deductibles lowers premiums – Your deductibles are how much the insured will be required to pay if a covered claim is submitted. Physical damage coverage, otherwise known as comp (or other than collision) and collision, is used to repair damage to your car. Examples of covered claims are rearending another vehicle, animal collisions, and damage caused by road hazards. The more expense you choose to pay out-of-pocket, the bigger discount you will receive on Tahoe coverage.
  • Deter theft and lower premiums – Buying a car with a theft deterrent system can get you a discount on your car insurance. Anti-theft devices like OnStar, LoJack tracking, and tamper alarms all help stop your car from being stolen.
  • How much liability coverage do you need? – Your car insurance policy’s liability coverage will protect you if ever you are ruled to be at fault for an accident. It will provide you with a defense in court which can cost thousands of dollars. This coverage is very inexpensive compared to other policy coverages, so drivers should carry high limits.
  • Incidental coverages can add up – There are quite a few additional extra coverages that may not really be needed when buying car insurance. Coverage for things like rental car reimbursement, accidental death, and extra equipment coverage may be wasting your money. They may sound like good ideas when talking to your agent, but your money might be better spent on other coverage so remove them from your policy.

Insurance coverage discounts are available to cut your rates

Insurance coverage is not an enjoyable expense, but discounts can save money and there are some available that may help make it more affordable. Most are applied at the time you complete a quote, but less common discounts must be specially asked for before they will apply. If you don’t get every credit you qualify for, you are not getting the best rate possible.

  • Online Discount – Certain companies provide a small discount for completing your application on the internet.
  • College Student Discount – Children who are attending college and do not take a car to college may be able to be covered for less.
  • New Vehicle Savings – Buying a new car model may earn a small discount compared to insuring an older model.
  • Telematics Discount – Insureds that choose to allow their company to look at driving patterns by using a telematics device in their vehicle like Allstate’s Drivewise could save a few bucks if they exhibit good driving behavior.
  • Discount for Passive Restraints – Factory air bags or motorized seat belts could see savings as much as 30%.

As a footnote on discounts, some of the credits will not apply to your bottom line cost. Some only reduce specific coverage prices like medical payments or collision. Despite the appearance that it’s possible to get free car insurance, you aren’t that lucky. Any amount of discount will reduce your policy premiums.

Some of the larger companies that may offer these benefits include:

Before buying, ask all companies you are considering the best way to save money. Some discounts may not be available in your area.

Everyone needs different car insurance coverages

When it comes to choosing the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions might help in determining if your situation would benefit from professional advice.

  • Does my 1999 Chevy Tahoe qualify for pleasure use?
  • When would I need rental car insurance?
  • Is my cargo covered for damage or theft?
  • Do I need special endorsements for business use of my vehicle?
  • How can I find cheaper teen driver insurance?
  • What is PIP insurance?
  • Do I benefit by insuring my home with the same company?
  • Is a new car covered when I drive it off the dealer lot?
  • What vehicles should carry emergency assistance coverage?
  • Does coverage extend to my business vehicle?

If you don’t know the answers to these questions, you might consider talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It is quick, free and can provide invaluable advice.

Insurance coverages 101

Understanding the coverages of your policy can be of help when determining the right coverages at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy. These are the usual coverages found on most insurance policies.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like rehabilitation expenses, chiropractic care and hospital visits. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not universally available and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other drivers when they do not carry enough liability coverage. Covered losses include medical payments for you and your occupants and damage to your Chevy Tahoe.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Frequently these coverages do not exceed the liability coverage limits.

Liability auto insurance

Liability insurance will cover damage or injury you incur to people or other property in an accident. It protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see policy limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like medical expenses, loss of income, bail bonds, legal defense fees and court costs. How much liability coverage do you need? That is a decision to put some thought into, but consider buying higher limits if possible.

Auto collision coverage

This coverage will pay to fix damage to your Tahoe from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like vandalism, damage from getting keyed, a broken windshield and damage from a tornado or hurricane. The highest amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Shop Smart and Save

As you shop your coverage around, it’s a bad idea to buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice physical damage coverage and learned later that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage at a price you can afford, but do not sacrifice coverage to save money.

We just covered many ways to save on 1999 Chevy Tahoe insurance. The key concept to understand is the more times you quote, the better your chances of lowering your car insurance rates. Drivers may discover the most savings is with an unexpected company. Regional companies may only write in your state and offer lower car insurance rates than their larger competitors like Allstate and Progressive.

Helpful learning opportunities