Save on 2016 Chevrolet Traverse Car Insurance Cost

Want lower car insurance rates for your Chevrolet Traverse? When searching for more affordable insurance, are you intimidated by the dozens of car insurance choices? Lot’s of other people are too. Drivers have so many options that it is a challenge to find a cheaper company.

Save a ton by applying discounts

Insurance can be prohibitively expensive, but discounts can save money and there are some available that could drop your premiums quite a bit. Certain reductions will be credited at the time of quoting, but some discounts are required to be inquired about before you get the savings. If they aren’t giving you every credit available, you could be paying more than you need to.

  • Student Discounts – This discount could provide a savings of up to 20% or more. The good student discount can last up to age 25.
  • Onboard Data Collection – Policyholders that allow companies to analyze driving manner through the use of a telematics system such as Progressive’s Snapshot could see a rate decrease if they have good driving habits.
  • Air Bag Discount – Vehicles with factory air bags or motorized seat belts may qualify for discounts up to 30%.
  • Driver Education Discount – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
  • Mature Driver Discount – Drivers that qualify as senior citizens can get reduced rates on Traverse insurance.

Consumers should know that most of the big mark downs will not be given to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Despite the appearance that it’s possible to get free car insurance, companies don’t profit that way.

If you would like to choose from a list of companies that offer some of these discounts, click here.

How to buy insurance coverage online

Comparing insurance coverage rates is a ton of work if you don’t know the best way to get rate quotes. You can spend your afternoon talking to local insurance agents in your area, or you could save time and use online quotes to achieve your goal.

All the larger companies belong to a marketplace where insurance shoppers complete one form, and every company then gives them pricing based on that data. This eliminates the need for quote forms for each company.

To find out how much you’re overpaying now click here to start a free quote.

The only downside to comparing rates this way is buyers cannot specifically choose which insurance companies to get pricing from. So if you prefer to choose individual companies to compare prices, we have assembled a list of insurance coverage companies in your area. Click to view list.

The method you choose is up to you, but ensure you’re using equivalent quote information for each comparison quote. If you have different data it’s not possible to make a fair rate comparison. Even a minor difference in coverage limits can result in a big premium difference. It’s important to know that more quotes increases your odds of finding more affordable rates.

Your auto insurance coverage should be tailored to you

When it comes to choosing adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Every insured’s situation is different.

For example, these questions may help highlight if you will benefit from professional help.

  • What happens if I owe more than my 2016 Chevy Traverse is worth?
  • Why do I need rental car insurance?
  • What is roadside assistance coverage?
  • Does having multiple vehicles earn me a discount?
  • Do I have coverage when pulling a U-Haul trailer?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is pleasure use cheaper than using my 2016 Chevy Traverse to commute?
  • 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, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Coverage specifics

Understanding the coverages of a insurance policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be impossible to understand and nobody wants to actually read their policy.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Auto collision coverage

This coverage will pay to fix damage to your Traverse from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as scraping a guard rail, damaging your car on a curb, colliding with another moving vehicle, crashing into a building and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Comprehensive protection

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, damage from a tornado or hurricane, fire damage and rock chips in glass. The most a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Medical expense coverage

Coverage for medical payments and/or PIP kick in for expenses for surgery, X-ray expenses, EMT expenses, funeral costs and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverage

This coverage protects you from damage or injury you incur to other people or property. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 50/100/50 that means you have a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like attorney fees, pain and suffering and bail bonds. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Save for a rainy day

Consumers change insurance companies for a number of reasons such as questionable increases in premium, delays in responding to claim requests, extreme rates for teen drivers or delays in paying claims. No matter why you want to switch, switching companies can be easy and end up saving you some money.

When getting insurance quotes online, never buy poor coverage just to save money. There are a lot of situations where an insured dropped collision coverage only to discover later that the small savings ended up costing them much more. The goal is to buy enough coverage at an affordable rate, but do not skimp to save money.

We just showed you some good ideas how to compare 2016 Chevy Traverse insurance prices online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. Consumers may even find the lowest prices are with some of the lesser-known companies.

Additional detailed information is located in the articles below: