View 2004 Chevrolet Tahoe Insurance Cost

Trying to find the cheapest insurance rates? Buyers have options when searching for the best price on Chevy Tahoe insurance. They can either waste time calling around to get rate comparisons or leverage the internet to compare rates.

There are both good and bad ways to buy insurance so we’re going to tell you the proper way to price shop coverage on a Chevy and get the best price possible either online or from local insurance agents.

If you have insurance now or need new coverage, you can use this information to cut your premiums and still get good coverage. This information will tell you how to get online quotes and some money-saving tips. Consumers just need to learn the most efficient way to compare rates online.

Cheap insurance coverage

There are a variety of methods to compare insurance coverage quotes, and some are less time-consuming than others. You can waste a few hours (or days) talking to insurance companies in your area, or you can stay home and use the web to get prices fast.

Most car insurance companies are enrolled in a marketplace where prospective buyers submit one quote, and each company then returns a price quote for coverage. This system prevents you from having to do quote forms to each individual insurance coverage company.

To compare rates using this form now click here (opens in new window).

The only drawback to comparing rates this way is buyers cannot specifically choose which companies you want to price. If you prefer to choose from a list of companies to request quotes from, we have a listing of low cost insurance coverage companies in your area. Click to view list.

Whichever method you choose, make absolute certain that you use nearly identical quote data on every quote you get. If each company quotes differing limits it will be next to impossible to find the best deal for your Chevy Tahoe.

Pay discount rates these discounts

Some providers do not list every policy discount very well, so we took the time to find some of the best known as well as the least known insurance coverage savings.

• Discount for Home Ownership – Just owning your own home can earn you a little savings because owning a home requires a higher level of personal finance.
• Anti-theft Discount – Cars and trucks that have factory anti-theft systems are stolen less frequently and will save you 10% or more.
• Telematics Data – Insureds who allow their company to look at driving manner by using a telematics device such as Progressive’s Snapshot and State Farm’s In-Drive may see discounts if they exhibit good driving behavior.
• Switch and Save Discount – A few insurance companies allow discounts for buying a new policy prior to the expiration date on your current policy. This discount can save up to 10%.
• Resident Student – Older children who live away from home at college and don’t have a car could get you a discount.
• Low Mileage – Driving less can earn discounted premium rates on garaged vehicles.
• Club Memberships – Having an affiliation with a civic or occupational organization is a simple method to lower premiums on insurance coverage.
• One Accident Forgiven – This one is not really a discount per se, but some insurance companies will let one accident slide before hitting you with a surcharge with the catch being you have to be claim-free prior to the accident.
• Policy Bundle Discount – If you insure your home and vehicles and insure them with the same company you could save at least 10 to 15 percent or more.

As a disclaimer on discounts, many deductions do not apply the the whole policy. Most only reduce the cost of specific coverages such as comprehensive or collision. Even though it may seem like having all the discounts means you get insurance for free, nobody gets a free ride. But any discount will definitely reduce your policy premium.

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

Special considerations

When choosing the best insurance coverage coverage, there really is not a single plan that fits everyone. Every situation is different.

Here are some questions about coverages that could help you determine if you would benefit from professional advice.

• Am I covered when renting a car or should I buy coverage from the car rental agency?
• How do I file an SR-22 for a DUI in my state?
• How high should my uninsured/underinsured coverage be in my state?
• What can I do if my company won’t pay a claim?
• Am I covered when driving a rental car?
• Does my insurance cover damage caused when ticketed for reckless driving?
• Does my policy cover my teen driver if they drive my company car?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.

Auto insurance coverage specifics

Having a good grasp of auto insurance helps when choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as falling objects, fire damage and damage from flooding. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Collision protection

Collision coverage pays for damage to your Tahoe resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like colliding with another moving vehicle, rolling your car, hitting a mailbox and sideswiping another vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to increase the deductible to bring the cost down.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as ambulance fees, X-ray expenses, pain medications, dental work and nursing services. They can be used in conjunction with a health insurance plan or if you are not covered by health insurance. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not an option in every state and may carry a deductible

Auto liability

This coverage will cover damage or injury you incur to other’s property or people by causing an accident. It protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability coverage pays for claims like repair costs for stationary objects, emergency aid, repair bills for other people’s vehicles and medical services. How much liability coverage do you need? That is a personal decision, but you should buy as high a limit as you can afford.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Tahoe.

Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.