2012 Chevrolet Tahoe Hybrid Insurance Rates
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UPDATED: Dec 8, 2021
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Average insurance rates for a 2012 Chevrolet Tahoe Hybrid are $1,272 a year for full coverage insurance. Comprehensive costs around $250, collision costs $400, and liability coverage costs $464. Buying a liability-only policy costs as little as $514 a year, with high-risk insurance costing around $2,750. Teen drivers receive the highest rates at $4,886 a year or more.
Annual premium for full coverage: $1,272
Rate estimates for 2012 Chevrolet Tahoe Hybrid Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2012 Chevrolet Tahoe Hybrid models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $514 for a discount liability-only rate to the much higher price of $2,750 for a high risk driver.
These differences illustrate why everyone should compare rates for a specific zip code and risk profile, rather than using price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2012 Chevrolet Tahoe Hybrid Insurance
Looking for the cheapest car insurance rates for your Chevrolet Tahoe Hybrid? Are you sick and tired of paying out the nose to insure your Chevy every month? Your situation is no different than many other drivers. With so many insurance companies to choose from, it can be impossible to locate the most cost effective car insurance company.
You should take the time to check car insurance prices every six months because insurance rates change quite often. Just because you had the best price on Tahoe Hybrid insurance six months ago you will most likely find a better rate today. Ignore everything you know about car insurance because you’re about to learn one of the quickest ways to lower your rates without sacrificing coverage.
How to Lower Your Insurance Cost
There are several ways to compare Chevy Tahoe Hybrid insurance quotes, but one way is less time-consuming than others. You could waste a few hours talking about coverages with insurance companies in your area, or you could save time and use online quoting to accomplish the same thing much quicker.
Many popular insurance companies are enrolled in a marketplace where prospective buyers submit their information once, and at least one company provides a quote. This system prevents you from having to do form submissions to each company.
To compare 2012 Chevy Tahoe Hybrid rates now click here (opens in new window).
One minor caviat to comparing rates this way is buyers cannot specifically choose the providers you will receive quotes from. If you wish to select specific insurance companies for rate comparison, we have a listing of insurance companies in your area. View list of insurance companies.
It’s up to you which method you use, but compare identical coverages and limits for every quote you compare. If you enter different values for each quote you will not be able to determine the best price for your Chevy Tahoe Hybrid.
Don’t pay full price with these discounts
Companies offering auto insurance do not advertise all their discounts very clearly, so we researched some of the best known and the harder-to-find insurance savings. If you’re not getting every credit available, you’re just leaving money on the table.
- Federal Government Employee – Employees or retirees of the government can earn a discount up to 10% on Tahoe Hybrid insurance with a few insurance companies.
- Distant Student – Youth drivers living away from home attending college and don’t have a car may be able to be covered for less.
- Multi-car Discount – Buying insurance for more than one vehicle on one policy could earn a price break for each car.
- Anti-theft System – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
- Discount for Life Insurance – Select insurance companies reward you with lower rates if you buy auto and life insurance together.
- Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more off the personal injury premium cost.
A little note about advertised discounts, most credits do not apply to the entire cost. Most cut the price of certain insurance coverages like comprehensive or collision. So even though it sounds like all those discounts means the company will pay you, companies don’t profit that way.
Car insurance companies that may have these discounts may include but are not limited to:
- Farmers Insurance
- State Farm
- Liberty Mutual
Before buying, ask each company which discounts you may be entitled to. All car insurance discounts might not apply everywhere.
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Your personal situation dictates your coverage
When it comes to buying adequate coverage for your vehicles, there isn’t really a “perfect” insurance plan. Every insured’s situation is different so your insurance needs to address that. These are some specific questions could help you determine if you might need professional guidance.
- Does medical payments coverage apply to all occupants?
- Can I rate high risk drivers on liability-only vehicles?
- Can I rent a car in Mexico?
- Do I have any recourse if my insurance company denies a claim?
- Do I need more liability coverage?
- Am I insured when driving a different vehicle?
- Should I waive the damage coverage when renting a car?
- Will my rates increase for filing one claim?
- How high should deductibles be on a 2012 Chevy Tahoe Hybrid?
If you can’t answer these questions, then you may want to think about talking to a licensed agent. To find lower rates from a local agent, simply complete this short form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.
Why your Chevy Tahoe Hybrid might be costing you more
Consumers need to have an understanding of the factors that help determine your insurance coverage rates. Understanding what influences your rates allows you to make educated decisions that could result in lower insurance coverage prices.
The following are some of the factors companies use to determine premiums.
- Your occupation can affect rates – Careers like judges, business owners and stock brokers tend to have the highest rates because of high stress and long work days. On the other hand, professions such as farmers, students and retirees receive lower rates on Tahoe Hybrid insurance.
- Optional equipment can affect rates – Choosing a vehicle with an alarm system can help bring down rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart car theft.
- Lower deductibles cost more – Physical damage insurance, commonly called comprehensive (or other-than-collision) and collision coverage, protects your Chevy from damage. Examples of covered claims would be running into the backend of another car, damage caused by hail, and burglary. Deductibles for physical damage are the amount of money you are willing to pay out-of-pocket before a claim is paid by your company. The higher the amount you’re willing to pay, the bigger discount you will receive on Tahoe Hybrid insurance.
- Drive less and save money – Driving more miles in a year the more you’ll pay to insure your vehicle. Almost all companies price each vehicle’s coverage based on how the vehicle is used. Autos not used for work or commuting get more affordable rates than vehicles that are driven to work every day. Ask your agent if your insurance coverage coverage shows the proper vehicle usage. Incorrect usage on your Tahoe Hybrid may be wasting your money.
Don’t be fooled by advertising claims
Drivers constantly see and hear ads for cheaper car insurance from companies such as State Farm and Allstate. All the ads make the same claim that you can save if you change your policy.
How does each company say the same thing? This is how they do it.
Different companies have a preferred profile for the type of driver that earns them a profit. For instance, a driver they prefer could be over the age of 50, has no driving citations, and has a short commute. A customer who meets those qualifications is entitled to the best price and as a result will probably save when they switch companies.
Drivers who do not match the “perfect” profile must pay a higher premium and this can result in business going elsewhere. Company advertisements say “drivers who switch” not “everybody who quotes” save money. That’s the way insurance companies can state the savings. This illustrates why drivers should get as many quotes as possible. Because you never know which company will provide you with the cheapest Chevy Tahoe Hybrid insurance rates.
Car insurance 101
Learning about specific coverages of car insurance can be of help when determining which coverages you need and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. These are the usual coverages found on most car insurance policies.
Protection from uninsured/underinsured drivers
Your UM/UIM coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Medical expense insurance
Med pay and PIP coverage provide coverage for bills like rehabilitation expenses, chiropractic care, surgery, nursing services and dental work. They can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. They cover you and your occupants and also covers if you are hit as a while walking down the street. PIP is only offered in select states and may carry a deductible
Comprehensive (Other than Collision)
This coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.
Comprehensive coverage protects against things such as vandalism, damage from flooding and hitting a deer. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.
Coverage for collisions
This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.
Collision coverage protects against things like crashing into a ditch, colliding with a tree and hitting a mailbox. Collision is rather expensive coverage, so consider removing coverage from vehicles that are older. Drivers also have the option to increase the deductible to save money on collision insurance.
Auto liability insurance
Liability insurance provides protection from damage that occurs to other’s property or people that is your fault. This coverage protects you against other people’s claims. It does not cover damage to your own property or vehicle.
Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.
Liability coverage protects against things like medical expenses, medical services, emergency aid, pain and suffering and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.
What is YOUR best insurance company?
When shopping online for car insurance, don’t be tempted to buy lower coverage limits just to save a few bucks. In many cases, consumers will sacrifice full coverage to discover at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to find the BEST coverage at an affordable rate while not skimping on critical coverages.
Lower-priced 2012 Chevy Tahoe Hybrid insurance is available online and also from your neighborhood agents, and you should compare price quotes from both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and most of the time these small, regional companies sell through independent agents.
More tips and info about car insurance can be read in the articles below:
- What is Full Coverage? (Allstate)
- What is Covered by GAP Insurance? (Allstate)
- Booster Seat Ratings (iihs.org)
- Prepare your Teens for Safe Driving (InsureUonline.org)
- Vehicle Insurance in the U.S. (Wikipedia)
Rates by U.S. City
|New York City, NY||$2,010|
|Los Angeles, CA||$2,178|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$87|
|5-yr Claim Free||$82|
|Paid in Full/EFT||$53|
Discounts are estimated and may not be available from every company or in every state.