How Much Does 2014 Chevrolet Tahoe Insurance Cost?

Trying to find lower car insurance rates? Buyers have many options when searching for low-cost Chevy Tahoe insurance. You can either waste hours struggling with agents getting price quotes or utilize the internet to find the lowest rates.

There is a better way to shop for car insurance so we’re going to tell you the best way to compare rates for your Chevy and obtain the cheapest rates from local insurance agents and online providers.

It’s a great practice to get comparison quotes on a regular basis because car insurance prices are rarely the same from one policy term to another. Even if you got the lowest rate for Tahoe coverage a few years ago other companies may now be cheaper. There is a lot of wrong information about car insurance on the internet, but in this article, you’re going to get a lot of great tips on how to save money.

This information will teach you how car insurance quotes work and some money-saving tips. If you currently have car insurance, you stand a good chance to be able to reduce your rates substantially using this information. Vehicle owners just need to know the tricks to compare price quotes on the web.

How to lower your insurance cost

All the larger insurance companies such as Progressive, Geico, Allstate and State Farm give coverage price quotes online. Comparing rates online is quite simple as all you need to do is type in the coverage amounts you desire on the page. Upon sending the form, the company’s rating system obtains information on your driving record and credit history and quotes a price based on these and other factors.

Being able to quote online helps simplify price comparisons, but having to visit a lot of sites and fill out multiple forms can be a bit repetitive. But it’s also necessary to do this if you are searching for a lower rate.

A quicker way to compare insurance pricing uses one form to obtain quotes from a lot of companies. It’s a real time-saver, requires less work, and makes rate comparisons much easier. As soon as the form is sent, your coverage is rated and you can choose your choice of the quotes returned.

If the quotes result in lower rates, you simply finish the application and purchase the new policy. This process takes 15 minutes at the most and can result in significant savings.

To find out how much you can save on insurance, click here and enter your information. To compare your current rates, we recommend you enter identical to your current policy. This way, you will get rate comparison quotes for similar coverage.

Drivers save money with these discounts

Some companies do not list the entire discount list in an easy-to-find place, so the next list breaks down some of the more common and also the more inconspicuous discounts that you may qualify for.

  • Telematics Devices – Insureds that choose to allow data collection to scrutinize where and when they drive by using a telematics device in their vehicle such as Progressive’s Snapshot could see a rate decrease as long as they are good drivers.
  • Discounts for Responsible Drivers – Drivers who avoid accidents may save up to 50% more for Tahoe coverage as compared to drivers with claims.
  • Anti-lock Brake Discount – Cars and trucks that have steering control and anti-lock brakes are much safer to drive and therefore earn up to a 10% discount.
  • Service Members Pay Less – Being on active duty in the military may qualify for rate reductions.
  • Theft Prevention Discount – Cars, trucks, and SUVs equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
  • College Student – Children who attend college more than 100 miles from home and leave their car at home may qualify for this discount.
  • Discounts for New Vehicles – Insuring a new car may earn a small discount because new model year vehicles keep occupants safer.
  • Sign Online – Certain insurance companies will give a small break for buying your policy digitally online.

A little disclaimer on discounts, most discount credits are not given to the entire cost. The majority will only reduce the price of certain insurance coverages like collision or personal injury protection. So even though it sounds like adding up those discounts means a free policy, it’s just not the way it works.

A few of the larger companies and some of the premium reductions they offer are detailed below.

  • American Family offers discounts including air bags, good driver, accident-free, good student, defensive driver, and bundled insurance.
  • Farm Bureau may offer discounts for good student, 55 and retired, safe driver, renewal discount, driver training, and multi-vehicle.
  • State Farm has savings for accident-free, Steer Clear safe driver discount, good driver, defensive driving training, passive restraint, and multiple policy.
  • Travelers includes discounts for multi-policy, driver training, save driver, payment discounts, and continuous insurance.
  • The Hartford may include discounts for bundle, anti-theft, good student, driver training, defensive driver, and air bag.
  • Geico offers premium reductions for daytime running lights, multi-vehicle, membership and employees, emergency military deployment, defensive driver, air bags, and good student.
  • Progressive policyholders can earn discounts including continuous coverage, multi-policy, multi-vehicle, online quote discount, and homeowner.

Before buying, ask every company what discounts are available to you. Some credits might not be offered in your area. To see providers who offer cheap insurance coverage quotes, click this link.

What impacts Chevy Tahoe insurance costs?

Lots of things are taken into consideration when premium rates are determined. Some are obvious like your driving record, but other factors are not as apparent such as whether you are married or how safe your car is.

  • Lower rates with alarms and GPS tracking – Selecting a car model with a theft deterrent system can get you a discount on your auto insurance. Theft deterrent systems like OnStar, LoJack tracking, and tamper alarms can thwart auto theft and help lower rates.
  • Too many insurance claims and you’ll pay more – Auto insurance companies award most affordable rates to insureds that do not abuse their auto insurance. If you tend to file frequent claims, you can expect either higher rates or even cancellation. Auto insurance is intended for more catestrophic claims.
  • Location can affect price – Being located in areas with lower population is a positive aspect if you are looking for the lowest rates. Less people living in that area translates into fewer accident claims in addition to lower liability claims People in densly populated areas tend to have much more traffic and longer commutes to work. More time on the road translates into higher accident risk.
  • Females tend to cost less – Statistics show that women are safer drivers than men. It does not mean females are better at driving than males. Men and women tend to get into auto accidents at about the same rate, but men tend to have more serious accidents. Not only are claims higher, but men get more serious tickets such as reckless driving.
  • Multiple policies with one company can save – Many insurers give lower prices to customers that purchase more than one policy. It’s known as a multi-policy discount. Discounts can be ten or even fifteen percent. Even with this discount, you still need to compare other insurance prices to verify if the discount is saving money.
  • Age of drivers impacts prices – Inexperience drivers have a tendency to get distracted easily behind the wheel so they pay higher auto insurance rates. Older drivers tend to be more responsible, cause fewer claims and accidents and tend to be get fewer driving tickets.
  • Credit history impact auto insurance premiums – Having a bad credit score is likely to be a major factor in your rate calculation. Drivers with excellent credit scores tend to file fewer claims and have better driving records as compared to drivers with bad credit. If your credit score could use some work, you could pay less to insure your 2014 Chevrolet Tahoe by improving your rating.
  • High physical damage deductibles reduce costs – Your deductibles define how much you are required to spend out-of-pocket if you file a covered claim. Physical damage protection, also called ‘full coverage’, is used to repair damage to your car. Some examples of covered claims are colliding with a stationary object, vandalism, or theft of your vehicle. The larger the amount the insured has to pay upfront, the less money you will pay for auto insurance for Tahoe coverage.

Special considerations

When it comes to choosing coverage, there really is not a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For instance, these questions might point out if your insurance needs might need an agent’s assistance.

  • Are rock chip repairs covered?
  • Am I covered if hit by an uninsured driver?
  • Is other people’s property covered if stolen from my vehicle?
  • Should I have a commercial auto policy?
  • Does my car insurance cover rental cars?
  • Does insurance cover tools stolen from my truck?
  • What companies insure drivers after a DUI or DWI?
  • Is my teenager covered with friends in the car?
  • Does coverage extend to my business vehicle?

If you’re not sure about those questions but you know they apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Information about specific coverages

Learning about specific coverages of auto insurance can be of help when determining the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and coverage can change by endorsement.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses such as X-ray expenses, funeral costs and chiropractic care. They can be utilized in addition to your health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance – This provides protection from damages or injuries you inflict on other people or property 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 for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which stand for a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and property damage coverage for $50,000. Another option is a combined single limit or CSL which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage protects against claims such as loss of income, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. It can pay for hospital bills for your injuries as well as damage to your Chevy Tahoe.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Normally these coverages are set the same as your liablity limits.

Collision coverages – This coverage covers damage to your Tahoe resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage protects against claims such as crashing into a building, hitting a mailbox, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Comprehensive protection – Comprehensive insurance coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, a tree branch falling on your vehicle, vandalism and rock chips in glass. The most 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.

Have money to burn

Some insurance providers do not offer rates over the internet and these small insurance companies only sell coverage through independent agents. Cheap 2014 Chevy Tahoe insurance is available both online and from local insurance agents, so you should compare both in order to have the best chance of saving money.

Drivers who switch companies do it for a number of reasons such as poor customer service, delays in responding to claim requests, delays in paying claims or not issuing a premium refund. Whatever your reason, switching companies is easier than you think.

You just read some good ideas how to save on 2014 Chevy Tahoe insurance. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may even find the lowest priced auto insurance comes from the smaller companies.

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