2002 Chevrolet Tahoe Insurance Quotes – 10 Savings Tips

Trying to find the cheapest auto insurance rates for your Chevrolet Tahoe? Are you tired of paying out the nose to buy auto insurance? You are in the same boat as most other people.

Many insurers compete for your business, and it can be difficult to compare rates and get the best coverage at the best rate

If you have car insurance now, you stand a good chance to be able to cut costs considerably using this strategy. Finding affordable coverage is not that difficult. Although consumers do need to learn how big insurance companies determine prices and take advantage of how the system works.

How to buy insurance online

There are several ways to shop for insurance, but there is one way that is less labor-intensive and much quicker. You could spend your day talking to agents in your area, or you could use online quotes to accomplish the same thing much quicker.

All the larger companies participate in an industry program where insurance shoppers send in one quote, and at least one company returns a competitive quote based on the submitted data. This eliminates the need for quote requests for each company. To access this free quoting program, click here to start a free quote.

One minor caviat to getting quotes like this is you are unable to specify the insurers to get pricing from. So if you prefer to choose specific providers to receive pricing from, we have a page of the cheapest insurance companies in your area. Click to view list.

The method you choose is up to you, but make darn sure you compare exactly the same coverage limits and deductibles on every price quote you get. If you use different coverage information it’s not possible to make a fair comparison for your Chevy Tahoe. Having just a slight variation in limits can result in a big premium difference. Keep in mind that comparing more rates from different companies will improve the odds of getting the best offered rates. Not every company provides prices over the internet, so it’s important to also get rates on coverage from those companies, too.

Do I need special coverages?

When buying the right insurance coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions might help in determining whether or not you could use an agent’s help.

  • What is medical payments coverage?
  • Should I buy additional glass protection?
  • If my 2002 Chevy Tahoe is totaled, can I afford another vehicle?
  • Does my car insurance cover rental cars?
  • Is my nanny covered when driving my vehicle?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my teenager covered with friends in the car?
  • Does medical payments coverage apply to all occupants?

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 want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier

Educate yourself about car insurance coverages

Learning about specific coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and reading a policy is terribly boring. Listed below are the normal coverages found on most car insurance policies.

Comprehensive auto coverage

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from flooding, vandalism, a broken windshield, a tree branch falling on your vehicle and damage from a tornado or hurricane. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for bills such as doctor visits, rehabilitation expenses, EMT expenses and nursing services. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Coverage for liability

Liability insurance will cover damage or injury you incur to people or other property. It protects YOU against other people’s claims, and doesn’t cover damage to your own property or vehicle.

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 limits of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims like pain and suffering, legal defense fees and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Chevy Tahoe.

Because many people 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 very important. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Collision protection

Collision coverage covers damage to your Tahoe from colliding with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims such as damaging your car on a curb, hitting a mailbox and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.