Cheapest 2014 Chevrolet Traverse Insurance Rates in 2023
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UPDATED: Jun 5, 2023
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Searching for cheaper car insurance rates for your Chevrolet Traverse? No one looks forward to paying for car insurance, in particular when their premiums are too high. Online insurance companies like GEICO and Progressive all claim big savings with fancy advertisements and it can be hard to see through the cute green geckos and mayhem and effectively compare rates to find the best deal.
If you have a policy now or are shopping for new coverage, you will benefit by learning to shop for the lowest rates while maintaining coverages. Buying car insurance is not that difficult. Consumers just need to learn the proper methods to shop for insurance coverage online.
Don’t miss out on these six money-saving discounts
Companies offering auto insurance don’t always list every available discount in a way that’s easy to find, so here is a list both the well known and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount you deserve, you are paying more than you should be.
- Multi-car Discount – Buying coverage for more than one vehicle on the same auto insurance policy can get a discount on all vehicles.
- Military Discounts – Having a family member in the military may qualify for rate reductions.
- Government Employees – Being employed by or retired from a federal job may qualify you for a discount for Traverse insurance with certain companies.
- Drivers Ed for Students – Require your teen driver to enroll in driver’s education if it’s offered in school.
- No Charge for an Accident – Some insurance companies will forgive one accident without raising rates if you are claim-free for a set time period.
- Defensive Driving Course – Successfully completing a driver safety course could cut 5% off your bill if your company offers it.
It’s important to note that some of the credits will not apply to the overall cost of the policy. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So despite the fact that it appears you can get free auto insurance, companies don’t profit that way.
Do I need special coverages?
When choosing the best insurance coverage coverage, there is no cookie cutter policy. Each situation is unique so this has to be addressed. Here are some questions about coverages that may help highlight if your insurance needs may require specific advice.
- Do I benefit by insuring my home with the same company?
- Do I need higher collision deductibles?
- What can I do if my company denied a claim?
- Can I pay claims out-of-pocket if I buy high deductibles?
- Will filing a claim cost me more?
- Should I have combined single limit or split liability limits?
- Can my teen driver be rated on a liability-only vehicle?
If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to an agent.
Car insurance coverage options for a 2014 Chevy Traverse
Having a good grasp of car insurance can be of help when determining the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on most car insurance policies.
Uninsured/Underinsured Motorist coverage
This coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Traverse.
Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is important protection for you and your family.
Medical payments coverage and PIP
Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses such as dental work, EMT expenses, funeral costs, doctor visits and ambulance fees. The coverages can be utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers both the driver and occupants and will also cover being hit by a car walking across the street. PIP coverage is not universally available but can be used in place of medical payments coverage
This coverage covers 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 insurance covers things like theft, damage from a tornado or hurricane, hitting a deer, fire damage and a tree branch falling on your vehicle. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.
This coverage will pay to fix damage to your Traverse resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage pays for things like crashing into a building, sustaining damage from a pot hole, crashing into a ditch and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.
This provides protection from damage or injury you incur 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. Your policy might show liability limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.
Liability coverage protects against claims like legal defense fees, bail bonds, repair costs for stationary objects, loss of income and repair bills for other people’s vehicles. How much liability coverage do you need? That is your choice, but you should buy higher limits if possible.
Make a quick buck
You just learned many ideas to lower your 2014 Chevy Traverse insurance rates. The key concept to understand is the more price quotes you have, the higher your chance of finding lower rates. You may even discover the best prices are with an unexpected company. Regional companies can often provide lower rates in certain areas as compared to the big name companies such as State Farm or Progressive.
Budget-conscious insurance can be sourced from both online companies and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not offer the ability to get a quote online and most of the time these small insurance companies sell through independent agents.
Much more information about auto insurance can be read below:
- Medical Payments Coverage (Liberty Mutual)
- Rental Car Insurance Tips (Insurance Information Insitute)
- Determing Auto Insurance Rates (GEICO)
- Protecting Teens from Drunk Driving (Insurance Information Insitute)
Frequently Asked Questions
What factors determine the insurance rates for a 2014 Chevrolet Traverse?
Insurance rates for a 2014 Chevrolet Traverse are determined by several factors, including the driver’s age, driving record, location, insurance history, coverage options, deductibles, and the value of the vehicle. Other factors that may influence rates include the Traverse’s model, trim level, safety features, repair costs, and theft rates.
Is the insurance rate for a 2014 Chevrolet Traverse higher compared to other vehicles?
The insurance rates for a 2014 Chevrolet Traverse are generally in the mid to higher range compared to other vehicles. The Traverse is a midsize SUV, and insurance rates for this type of vehicle can be higher due to factors such as increased repair costs and higher risk in accidents. However, rates can vary among insurance providers, and it’s recommended to compare quotes from different companies to find the most affordable option for the 2014 Chevrolet Traverse.
Are there any specific discounts available for insuring a 2014 Chevrolet Traverse?
Insurance companies may offer various discounts that can help lower the insurance rates for a 2014 Chevrolet Traverse. Some potential discounts include multi-policy discounts, safe driver discounts, discounts for certain safety features on the vehicle, and loyalty discounts for long-term customers. Contact insurance providers to inquire about available discounts specific to the Traverse.
How can I find the cheapest insurance rates for a 2014 Chevrolet Traverse?
To find the cheapest insurance rates for a 2014 Chevrolet Traverse, it’s advisable to shop around and obtain quotes from multiple insurance providers. Contact different insurance companies directly, use online comparison tools, or consult with an insurance broker who can gather quotes on your behalf. Comparing rates and coverage options will help you find the most competitive offer.
Are there any specific insurance providers known for offering competitive rates for midsize SUVs like the 2014 Chevrolet Traverse?
Insurance rates can vary among providers, and the competitiveness of rates may change over time. It is recommended to research and compare quotes from various insurance companies that specialize in insuring midsize SUVs. Look for providers with experience in insuring similar vehicles to find the best rates for the 2014 Chevrolet Traverse.
Can I adjust my coverage options to lower the insurance rates for a 2014 Chevrolet Traverse?
Adjusting your coverage options can potentially affect the insurance rates for a 2014 Chevrolet Traverse. However, it’s important to carefully consider the potential risks and benefits of reducing coverage. Lowering coverage limits or removing certain types of coverage may leave you financially vulnerable in case of an accident or other incidents. It’s advisable to consult with an insurance professional to determine the appropriate coverage levels for your needs.
Are there any specific precautions I can take to potentially lower the insurance rates for a 2014 Chevrolet Traverse?
While insurance rates are determined by various factors, there are some precautions you can take to potentially lower the insurance rates for your 2014 Chevrolet Traverse. These include maintaining a clean driving record, installing safety features such as anti-theft devices and alarm systems, parking in a secure location, and completing defensive driving courses. Some insurance providers may offer discounts for such precautions.
Should I consider specialized insurance for my 2014 Chevrolet Traverse?
For a 2014 Chevrolet Traverse, a standard auto insurance policy should be sufficient. However, if you have specific needs or use your Traverse for commercial purposes, you may want to consider specialized insurance options. It’s recommended to discuss your situation with insurance providers and explore any additional coverage options they offer to ensure you have the appropriate coverage for your Traverse.
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