2016 Chevrolet Trax Insurance Rates – 5 Savings Tips

Trying to find cheaper car insurance rates? Buyers have many options when searching for the best price on Chevy Trax insurance. You can either spend your time struggling with agents trying to get 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 quote coverages for your Chevy and obtain the lowest possible price from local insurance agents and online providers.

Smart consumers take time to take a look at other company’s rates occasionally because prices fluctuate regularly. Even if you got the best deal on Trax coverage six months ago other companies may now be cheaper. Ignore everything you know about car insurance because I’m going to teach you the proper way to properly buy coverages and cut your premium.

This article will help you learn how to get online quotes and some tricks to saving. If you are paying for car insurance now, you will be able to save some money using this strategy. Drivers just need to understand the proper way to compare rates on the web.

How to compare free auto insurance quotes

Getting a cheaper price on 2016 Chevy Trax insurance is actually quite simple. You just need to spend a few minutes on the computer comparing free auto insurance quotes to find. You can get a good selection of rate quotes in several different ways.

  1. The easiest and least time consuming way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This style of form keeps you from doing repetitive form submissions to each individual auto insurance company. Taking the time to complete one form gets coverage cost estimates from multiple low-cost companies. This is perfect if you don’t have a lot of time.
  2. A more time consuming way to analyze rates requires you to visit each company website to complete their respective quote request forms. For instance, let’s assume you want comparison quotes from Allstate, Farmers and Progressive. You would have to spend time on each company’s site and punch in your information repeatedly, which can be really labor intensive. For a list of companies in your area, click here.

Whichever way you use, try to use nearly identical quote information for each comparison quote. If each company quotes differing limits you will not be able to determine the best price for your Chevy Trax.

Tricks in insurance coverage advertising

Drivers can’t ignore all the ads that claim the cheapest car insurance rates by State Farm, Allstate and Geico. All the companies have a common claim that people will save just by moving to their company.

But how can every company say the same thing? It’s all in how they say it.

Insurance providers have specific characteristics for the type of customer that earns them the most money. One example of a profitable risk profile may need to be over the age of 35, has a clean driving record, and has a short commute. Any driver who matches that profile will qualify for the lowest car insurance rates and will most likely save some money.

Consumers who fall short of these stringent criteria will see a higher premium with the end result being the customer buying from someone else. The wording the ads use say “drivers who switch” but not “all drivers who get quotes” can save as much as they claim. That’s why companies can truthfully make claims like that.

Because every company is different, drivers should compare free auto insurance quotes often. Because you cannot predict with any certainty which company will give you lower car insurance rates than your current company.

Lower rate quotes by applying these five discounts

Auto insurance companies do not advertise every available discount very clearly, so we break down some of the more common in addition to some of the lesser obvious credits available to lower your premiums when you buy auto insurance online.

  • Student Discounts – This discount could provide a savings of up to 20% or more. Most companies allow this discount up until you turn 25.
  • Defensive Driving Course – Successfully completing a defensive driver class could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Anti-lock Brake Discount – Vehicles that have anti-lock braking systems are much safer to drive and qualify for as much as a 10% discount.
  • Multiple Policy Discount – When you have multiple policies with the same insurance company you could save approximately 10% to 15%.
  • Good Drivers – Drivers who avoid accidents could pay up to 40% less on Trax coverage than drivers with accident claims.

Just know that many deductions do not apply to the overall cost of the policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like all those discounts means the company will pay you, companies don’t profit that way.

To see a list of providers who offer cheap insurance quotes, click here to view.

Your car insurance coverage should be tailored to you

When it comes to buying coverage, there really is not a perfect coverage plan. Each situation is unique.

For instance, these questions may help highlight if your insurance needs might need an agent’s assistance.

  • Should I buy only the required minimum liability coverage?
  • Is rental equipment covered for theft or damage?
  • Is there coverage for injuries to my pets?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • Is my 2016 Chevy Trax covered for smoke damage?
  • Am I covered if I crash into my own garage door?
  • Does my policy cover my teen driver if they drive my company car?
  • Will filing a claim cost me more?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It is quick, free and can help protect your family.

Car insurance policy specifics

Having a good grasp of your car insurance policy helps when choosing appropriate coverage at the best deductibles and correct limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Comprehensive coverages

Comprehensive insurance covers damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like hitting a bird, a broken windshield, damage from a tornado or hurricane, theft and fire damage. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Uninsured and underinsured coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries to you and your family and damage to your Chevy Trax.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family. Most of the time these limits are identical to your policy’s liability coverage.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for bills for things like dental work, chiropractic care and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as getting struck while a pedestrian. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Collision protection

Collision coverage pays for damage to your Trax from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as rolling your car, driving through your garage door, damaging your car on a curb, sideswiping another vehicle and scraping a guard rail. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible in order to get cheaper collision rates.

Auto liability insurance

This can cover injuries or damage you cause to a person or their property by causing an accident. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability coverage pays for claims such as court costs, attorney fees and emergency aid. 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.

Power to the consumer

In this article, we presented a lot of tips how to get a better price on 2016 Chevy Trax insurance. The key concept to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may be surprised to find that the lowest priced auto insurance comes from some of the lesser-known companies.

People who switch companies do it for many reasons like an unsatisfactory settlement offer, unfair underwriting practices, high prices or extreme rates for teen drivers. No matter why you want to switch, finding a new company is not as hard as you think.

When you buy auto insurance online, don’t be tempted to buy poor coverage just to save money. In too many instances, drivers have reduced full coverage only to find out that the savings was not a smart move. The aim is to buy a smart amount of coverage for the lowest cost, but do not skimp to save money.

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