2019 Chevrolet Trax Insurance Rates
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UPDATED: Apr 9, 2020
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Average insurance rates for a 2019 Chevrolet Trax are $1,260 a year for full coverage. Comprehensive insurance costs around $256, collision costs $448, and liability insurance costs $398. Buying a liability-only policy costs as little as $460 a year, with high-risk insurance costing $2,722 or more. Teen drivers receive the highest rates at $4,770 a year or more.
Annual premium for full coverage: $1,260
Rate estimates for 2019 Chevrolet Trax Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2019 Chevrolet Trax 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 40-year-old driver, prices range go from as low as $460 for only liability insurance to a much higher rate of $2,722 for high-risk insurance.
These differences show why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than relying on 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 2019 Chevrolet Trax Insurance
Want lower auto insurance rates? Drivers have a choice when trying to find the best price on Chevy Trax insurance. They can either spend hours calling around to compare prices or use the internet to compare rates. There is a right way and a wrong way to find auto insurance online and you need to know the proper way to compare rates on a Chevy and find the lowest price.
If you have a current auto insurance policy or need a new policy, you can use this information to reduce the price you pay while maximizing coverage. This article will instruct you on the best way to quote coverages and some tricks to saving. Consumers just need to learn how to compare rates online.
Seven tips to get cheap insurance costs
The best way to find cheaper car insurance is to take a look at some of the elements that are used to determine your premiums. When you know what positively or negatively impacts premium levels, this allows you to make good choices that may result in big savings. Many factors are used when quoting car insurance. Some are obvious like a motor vehicle report, but others are less apparent like where you live or your commute time.
The list below includes a few of the things used by your company to calculate your rate level.
- Avoid car insurance policy lapses – Driving with no insurance is illegal and you may have a hard time finding new coverage because you let your insurance coverage expire. Not only will you pay more, failure to provide proof of insurance may earn you a steep fine or even jail time. Then you may be required to submit proof of financial responsibility or a SR-22 with your state DMV.
- You might get higher premiums if you are single – Having a wife or husband may save some money when buying car insurance. Marriage may mean you are more mature and statistics show being married results in fewer claims.
- Does your job raise your premiums? – Occupational choices like real estate brokers, business owners and miners tend to have higher premium rates in part from intense work situations and long work days. On the other hand, careers such as scientists, engineers and the unemployed pay the least on Trax coverage.
- Drive less and get lower rates – The more miles you rack up on your Chevy in a year’s time the more you’ll pay to insure your vehicle. A lot of insurance companies price each vehicle’s coverage determined by how the vehicle is used. Cars that have low annual miles receive lower rates than vehicles that are driven to work every day. An incorrectly rated Trax is throwing money out the window. It’s a good idea to make sure your car insurance policy reflects annual mileage.
- High insurance claims frequency drives up car insurance rates – If you file a lot of claims you shouldn’t be surprised to get higher rates. Auto insurance companies provide discounts to drivers that do not abuse their auto insurance. Your insurance policy is designed for larger claims.
- Use one insurance company and save – Some car insurance companies will award better rates to people who consolidate policies with them, otherwise known as a multi-policy discount. Discounts can add up to 10 percent or more. Even if you qualify for this discount already, consumers should still shop around to help guarantee you have the best rates.
- Liability insurance is cheap – The liability coverage on your policy will provide protection when you are found liable for damages from an accident. This coverage provides you with a defense in court up to the limits shown on your policy. This coverage is relatively inexpensive when compared with rates for comp and collision, so insureds should have plenty of protection for their assets.
Double check you’re getting with these discounts
Insurance is not inexpensive, but there’s a good chance there are discounts that may help make it more affordable. A few discounts will automatically apply at the time you complete a quote, but a few need to be inquired about before you will receive the discount.
- Student Driver Training – Have your child successfully complete driver’s ed class if offered at their school.
- Cautious Driver Discounts – Drivers who don’t get into accidents may receive a discount up to 45% on Trax coverage than drivers with accident claims.
- Driver Training Discounts – Taking part in a defensive driving course could save 5% or more depending on where you live.
- Low Mileage Discounts – Low mileage vehicles may enable drivers to earn slightly better prices than normal.
- Theft Deterent – Anti-theft and alarm system equipped vehicles can help prevent theft and earn discounts up to 10% off your car insurance quote.
- Discount for Swiching Early – Some insurance companies give discounts for buying a policy early. Ten percent is about the average savings.
- Bundled Policy Discount – If you can combine your auto and homeowners policy with the same insurance company you could get a discount of at least 10% off all policies.
- Discount for Good Grades – This discount can save 20 to 25%. This discount can apply until age 25.
Keep in mind that many deductions do not apply to the entire policy premium. Most cut the cost of specific coverages such as comprehensive or collision. So when the math indicates having all the discounts means you get insurance for free, nobody gets a free ride. But all discounts will positively reduce your overall bill.
A few of the larger companies and a partial list of their discounts can be read below.
- Progressive policyholders can earn discounts including continuous coverage, online quote discount, multi-vehicle, homeowner, and good student.
- AAA has discounts for pay-in-full, good student, education and occupation, multi-car, AAA membership discount, and anti-theft.
- Farmers Insurance may offer discounts for multi-car, bundle discounts, distant student, homeowner, youthful driver, switch companies, and teen driver.
- GEICO offers premium reductions for five-year accident-free, multi-vehicle, seat belt use, defensive driver, air bags, and anti-lock brakes.
- Esurance has savings for Switch & Save, Pac-12 alumni, defensive driver, online shopper, homeowner, good driver, and emergency road assistance.
- SAFECO may have discounts that include teen safety rewards, anti-theft, safe driver, drive less, accident prevention training, anti-lock brakes, and multi-car.
- State Farm may include discounts for good student, Steer Clear safe driver discount, multiple autos, safe vehicle, passive restraint, and Drive Safe & Save.
Before purchasing a policy, check with every prospective company which discounts you qualify for. Some credits might not be offered on policies in your area. To view providers that can offer you the previously mentioned discounts, enter your zip code here.
But the ad said I’d save 15% in 15 minutes!
Consumers get pounded daily by advertisements for cheaper insurance by companies like Allstate and Progressive. They all seem to advertise claims that you’ll save big if you switch your insurance coverage to their company.
How does every insurance company offer drivers better rates? Here is how they do it.
Companies have an ideal profile for the type of customer that earns them a profit. For instance, a driver they prefer might have to be married and over the age of 30, owns their home, and drives less than 5,000 miles a year. A propective insured that meets those criteria will get the preferred premium rates and is almost guaranteed to save quite a bit of money when switching.
Insureds who cannot meet this ideal profile will be charged a more expensive rate and this results in business going elsewhere. The ad wording is “drivers who switch” but not “everyone who gets a quote” save the amount stated. That’s why insurance companies can confidently make those statements. Because of these techniques, you should compare free car insurance quotes often. It’s not possible to predict the company that will have the best rates at this point in time.
Your situation helps dictate your coverage
When choosing the right insurance coverage for your vehicles, there really is not a one size fits all plan. Each situation is unique.
These are some specific questions could help you determine if your insurance needs will benefit from professional help.
- Should I rate my 2019 Chevy Trax as pleasure use or commute?
- Is my nanny covered when driving my vehicle?
- Does my medical payments coverage pay my health insurance deductible?
- What is medical payments coverage?
- How much liability coverage do I need in my state?
- Why am I be forced to buy a membership to get insurance from some companies?
If you don’t know the answers to these questions, then you may want to think about talking to an agent. To find an agent in your area, fill out your zip code. It’s fast, free and may give you better protection.
Car insurance coverage specifics
Learning about specific coverages of car insurance helps when choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and even agents have difficulty translating policy wording.
Comprehensive (Other than Collision)
Comprehensive insurance coverage pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage pays for things such as damage from getting keyed, a broken windshield, hitting a bird and damage from flooding. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.
Coverage for collisions
This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.
Collision insurance covers things like crashing into a building, sustaining damage from a pot hole and driving through your garage door. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also choose a higher deductible to get cheaper collision coverage.
This will cover damages or injuries you inflict on other people or property that is your fault. It protects YOU from claims by other people, and doesn’t cover damage to your own property or vehicle.
It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.
Liability insurance covers claims such as court costs, legal defense fees, medical expenses, repair bills for other people’s vehicles and loss of income. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.
Medical expense insurance
Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses like ambulance fees, funeral costs and surgery. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay
Protection from uninsured/underinsured drivers
This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Chevy Trax.
Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
One last thing
As you quote car insurance, never buy less coverage just to save a little money. In too many instances, consumers will sacrifice full coverage and discovered at claim time that the few dollars in savings costed them thousands. The goal is to buy the best coverage you can find at an affordable rate and still be able to protect your assets.
More affordable insurance can be sourced from both online companies and also from your neighborhood agents, so you need to shop car insurance with both in order to have the best chance of saving money. Some insurance providers don’t offer online price quotes and many times these small insurance companies provide coverage only through independent agents.
Insureds leave their current company for a variety of reasons including lack of trust in their agent, not issuing a premium refund, unfair underwriting practices or even high rates after DUI convictions. Whatever your reason, finding the right insurance provider is pretty simple and you could end up saving a buck or two.
- Vehicle Safety Ratings (iihs.org)
- What Does No-Fault Insurance Cover? (Allstate)
- Teen Driver Statistics (Insurance Information Insitute)
- Where can I buy Insurance? (Insurance Information Insitute)
- Determining Your Vehicle’s Value and Repair Cost (Insurance Information Insitute)
- Learn About Car Insurance (GEICO)
Rates by U.S. City
|New York City, NY||$1,995|
|Los Angeles, CA||$2,154|
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||$90|
|5-yr Claim Free||$80|
|Paid in Full/EFT||$55|
Discounts are estimated and may not be available from every company or in every state.