2012 Chevrolet Tahoe Hybrid Insurance Quotes – 7 Tips for Cheaper Rates

Being forced to pay for overpriced auto insurance premiums can dry up your funds and possibly require you to analyze your spending habits. Getting a rate comparison is a smart way to lower your bills every month.

Because there are so many options, it can be diffult for people to pick the most affordable auto insurance provider.

Compare auto insurance rate quotes online

When shopping for auto insurance there are multiple ways of comparing rates from different companies. The easiest way by far to compare rates is to get quotes online. This can be accomplished in a couple minutes as outlined below.

Without a doubt, the easiest way to compare a lot of rates at once is to use a rate comparison form like this one (opens in new window). This method saves time by eliminating multiple quote forms for each price estimate. A single, simple form will return price quotes from several companies.
A different way to analyze rates is to take the time to go to each company’s website to request a price quote. For instance, let’s say you want to get rates from State Farm, Safeco and Geico. To get rate quotes you would need to go to each individual site and enter your information, which is why the first method is more popular. For a list of links to companies insuring cars in your area, click here.

Whichever method you choose, make sure you compare equivalent coverages and limits for every quote you compare. If you enter different liability limits you will not be able to determine the best price for your Chevy Tahoe Hybrid. Quoting even small variations in limits could skew the results. Keep in mind that comparing a large number of companies provides better odds of finding better pricing. Some insurance companies are not set up to provide prices over the internet, so it’s important to compare rates from those companies as well.

Auto insurance companies offer many types of discounts

The cost of insuring your cars can be expensive, but there could be available discounts that many consumers don’t even know exist. A few discounts will automatically apply at the time you complete a quote, but once in a while a discount must be inquired about before you get the savings. If you are not receiving all the discounts available, you’re just leaving money on the table.

E-sign Discounts – Certain larger companies provide a small discount for buying your policy on the internet.
Safety Course Discount – Completing a safe driver class may get you a small discount if your company offers it.
Drivers Ed for Students – Teen drivers should enroll and complete driver’s education as it will make them better drivers and lower rates.
Anti-lock Brake System – Cars and trucks that have anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
Discount for Passive Restraints – Vehicles equipped with air bags or motorized seat belts may qualify for discounts as much as 30%.
Multi-line Discount – Not all insurance carriers offer life insurance, but some may give you a discounted price on car insurance if you buy a life insurance policy as well.
Discount for New Cars – Putting coverage on a new car can get you a discount compared to insuring an older model.

One thing to note about discounts is that most of the big mark downs will not be given to your bottom line cost. Most only cut specific coverage prices like collision or personal injury protection. So when it seems like it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

A few of the larger companies and the discounts they provide are shown below.

21st Century may include discounts for teen driver, air bags, theft prevention, good student, 55 and older, and early bird.
Progressive includes discounts for continuous coverage, multi-policy, online quote discount, good student, homeowner, and multi-vehicle.
State Farm policyholders can earn discounts including Drive Safe & Save, passive restraint, driver’s education, good driver, accident-free, anti-theft, and safe vehicle.
Nationwide offers discounts for good student, accident-free, business or organization, easy pay, and Farm Bureau membership.
Esurance offers discounts including good driver, claim free, paid-in-full, emergency road assistance, defensive driver, anti-lock brakes, and safety device.
The Hartford discounts include defensive driver, good student, driver training, vehicle fuel type, air bag, bundle, and anti-theft.

It’s a good idea to ask all companies you are considering to apply every possible discount. All car insurance discounts may not be available in your area. If you would like to choose from a list of auto insurance companies with significant discounts, follow this link.

Do I just need basic coverages?

When it comes to choosing the best auto insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions could help you determine whether you would benefit from professional advice.

At what point should I drop full coverage?
Will my insurance pay for OEM parts?
Are rental cars covered under my policy?
When can I cancel my policy?
Does my medical payments coverage pay my health insurance deductible?
Is business property covered if stolen from my car?

If you can’t answer these questions but you know they apply to you then you might want to talk to a licensed insurance agent. If you don’t have a local agent, simply complete this short form or you can go here for a list of companies in your area.

Insurance specifics

Learning about specific coverages of your insurance policy can be of help when determining which coverages you need at the best deductibles and correct limits. The terms used in a policy can be ambiguous and coverage can change by endorsement. Listed below are the normal coverages offered by insurance companies.

Coverage for liability

Liability insurance will cover damage that occurs to other’s property or people in an accident. It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. 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 coverage protects against things such as court costs, structural damage, pain and suffering, legal defense fees and repair bills for other people’s vehicles. How much liability should you purchase? That is a decision to put some thought into, but buy as large an amount as possible.

Coverage for uninsured or underinsured drivers

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. Covered claims include medical payments for you and your occupants and damage to your Chevy Tahoe Hybrid.

Due to the fact that many drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Collision coverage

Collision coverage will pay to fix damage to your Tahoe Hybrid resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like scraping a guard rail, damaging your car on a curb, rolling your car and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. You can also increase the deductible to get cheaper collision coverage.

Comprehensive insurance

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as a broken windshield, fire damage, rock chips in glass, damage from getting keyed and hitting a bird. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical expenses

Coverage for medical payments and/or PIP reimburse you for immediate expenses for things like hospital visits, nursing services, surgery, pain medications and chiropractic care. They are utilized in addition to your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage