2017 Chevrolet Traverse Insurance Rates
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UPDATED: Dec 2, 2021
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Finding cheaper insurance for a Chevy Traverse can turn out to be a lot of work, but you can use these tips to find lower rates. There is a better way to shop for auto insurance and we’ll show you the absolute fastest way to quote coverages for a Chevy and get the cheapest rates from local insurance agents and online providers.
Finding the best rates is easy if you know what you’re doing. If you have insurance now or need a new policy, you can use these techniques to reduce the price you pay while maximizing coverage. Consumers only need an understanding of the proper methods to shop for insurance coverage online.
Finding Auto Insurance Deals
Shopping for lower auto insurance rates can be a daunting task if you don’t understand the fastest way to get free quotes. You can waste a lot of time talking to agents in your area, or you can stay home and use the internet for quick rates.
Many companies participate in a marketplace that enables customers to submit their information once, and at least one company then returns a price quote based on that information. This eliminates the need for quote requests to each individual auto insurance company.
To get comparison pricing now click here to open in new window.
The single downside to pricing coverage this way is you cannot specify the companies you will receive quotes from.
Whichever method you choose, ensure you’re using identical deductibles and coverage limits on every quote. If each company quotes differing limits it will be very difficult to decipher which rate is best.
Don’t believe everything you hear
Drivers can’t get away from ads for the lowest price auto insurance by Allstate and Progressive. They all seem to say the same thing that you can save if you switch to their company.
How does each company say the same thing? It’s all in the numbers.
All the different companies can use profiling for the right customer they prefer to insure. An example of a profitable customer could be a mature driver, has no driving citations, and chooses high deductibles. Any driver that hits that “sweet spot” will get very good rates and as a result will probably save quite a bit of money when switching.
Potential insureds who don’t measure up to the requirements must pay a more expensive rate which leads to the driver buying from a lower-cost company. The ads say “people who switch” not “everyone that quotes” save that kind of money. That’s why companies can make the claims of big savings. This illustrates why you need to get quotes from several different companies. Because you never know the company that will fit your personal profile best.
Do you qualify for discounts?
Auto insurance companies don’t always publicize every available discount in a way that’s easy to find, so we took the time to find some of the best known as well as the least known ways to save on car insurance. If you aren’t receiving every discount you deserve, you’re just leaving money on the table.
- Multi-policy Discount – When you have multiple policies with one insurance company you may earn 10% to 20% off each policy.
- New Car Discount – Insuring a new car can cost up to 25% less since new cars are generally safer.
- E-sign – Certain companies will discount your bill up to fifty bucks just for signing your application digitally online.
- Life Insurance Discount – Select insurance companies reward you with better rates if you take out a life insurance policy as well.
- Save over 55 – If you’re over the age of 55, you may qualify for reduced rates for Traverse coverage.
- Passive Restraint Discount – Vehicles equipped with air bags can get savings of more than 20%.
- Safe Driver Discount – Drivers who don’t get into accidents may receive a discount up to 45% less for Traverse coverage than their less cautious counterparts.
Drivers should understand that most credits do not apply to the entire cost. Most only cut the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like you can get free auto insurance, companies wouldn’t make money that way.
Don’t assume everyone needs the same coverage
When it comes to buying proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Every situation is different.
For example, these questions may help you determine if you would benefit from professional advice.
- Can my teen drive my company car?
- Is my dog or cat covered if injured in an accident?
- Does my medical payments coverage pay my health insurance deductible?
- Is my trailer covered?
- Does coverage extend to a rental car in a foreign country?
- Why am I required to buy high-risk coverage?
- What is PIP insurance?
- Does my insurance cover my expensive audio equipment?
If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and may give you better protection.
Parts of your insurance policy
Understanding the coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be confusing and coverage can change by endorsement.
Coverage for collisions
This pays for damage to your Traverse resulting from a collision with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers things such as backing into a parked car, hitting a mailbox, colliding with a tree, crashing into a building and sustaining damage from a pot hole. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are older. You can also raise the deductible in order to get cheaper collision rates.
Liability car insurance
Liability coverage protects you from damage or injury you incur to people or other property. This coverage protects you against other people’s claims, and doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.
Liability coverage pays for claims like medical expenses, medical services, attorney fees and court costs. How much liability should you purchase? That is a personal decision, but buy as high a limit as you can afford.
Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.
Comprehensive coverage protects against things such as fire damage, a broken windshield, vandalism and hitting a bird. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
Uninsured/Underinsured Motorist coverage
Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.
Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.
Medical payments coverage and PIP
Med pay and PIP coverage reimburse you for immediate expenses for things like rehabilitation expenses, funeral costs, ambulance fees, surgery and hospital visits. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants as well as if you are hit as a while walking down the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage
A penny saved is a penny earned
Consumers leave their current company for a variety of reasons including being labeled a high risk driver, questionable increases in premium, an unsatisfactory settlement offer and high rates after DUI convictions. Whatever your reason, finding a new car insurance company is pretty easy and you might even save some money in the process.
We just showed you a lot of techniques to lower your 2017 Chevy Traverse insurance rates. The key thing to remember is the more companies you get rates for, the better likelihood of reducing your rate. You may be surprised to find that the most savings is with some of the smallest insurance companies.
As you shop your coverage around, don’t be tempted to buy poor coverage just to save money. In too many instances, an insured cut liability coverage limits and learned later that a couple dollars of savings turned into a financial nightmare. The aim is to buy enough coverage for the lowest price while not skimping on critical coverages.
More tips and info about car insurance is available in these articles:
- How do I File a Claim? (Insurance Information Insitute)
- Airbag FAQ (iihs.org)
- Teen Driver Licensing Information (iihs.org)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Insitute)
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