Are Your Chevy Tahoe Auto Insurance Rates Too High?

Drivers have lots of choices when trying to find low-cost Chevy Tahoe insurance. They can either spend hours struggling with agents to compare prices or save time using 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 best way to compare rates on a Chevy and locate the lowest price.

If you have a policy now or are just looking to switch companies, you can use these techniques to shop for the lowest rates while maintaining coverages. The purpose of this post is to help you learn how car insurance quotes work and some tips to save money. Drivers only need to know the most effective way to get comparison rates on the web.

How to Buy Auto Insurance Online

There are a lot of ways you can shop for auto insurance but some are more efficient than others. You can waste a few hours (or days) driving to local insurance agents in your area, or you can utilize the internet to get prices fast.

The majority of car insurance companies are enrolled in a marketplace that allows shoppers to enter their coverage request one time, and each company can provide price quotes based on the submitted data. This prevents consumers from doing repetitive form submissions for each company.

To use this form to compare rates click to open in new window.

The one disadvantage to comparing rates this way is you are unable to specify which insurance companies you will receive quotes from. If you prefer to choose specific insurance companies to compare, we have a listing of the cheapest auto insurance companies in your area. Click to view list.

However you get your quotes, compare exactly the same coverages with every price quote. If you compare different deductibles you will not be able to determine the lowest rate for your Chevy Tahoe.

How much can you save with discounts?

Car insurance companies don’t list every available discount in a way that’s easy to find, so we break down both the well known and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Use Seat Belts – Drivers who require all occupants to use their safety belts can save up to 15% off your medical payments premium.
  • Air Bag Discount – Cars that have air bags or motorized seat belts can get savings of up to 25% or more.
  • New Car Discount – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.
  • Memberships – Affiliation with a professional or civic organization could qualify you for a break when buying auto insurance for Tahoe coverage.
  • No Charge for an Accident – Some insurance companies allow you one accident before raising your premiums as long as you don’t have any claims for a set time period.
  • Homeowners Savings – Owning a house may trigger a auto insurance policy discount because maintaining a house is proof that your finances are in order.
  • Good Student Discount – Getting good grades can be rewarded with saving of up to 25%. The discount lasts until age 25.
  • Driver’s Ed – Have your child enroll in driver’s education in high school.

It’s important to understand that some of the credits will not apply the the whole policy. A few only apply to the price of certain insurance coverages like comp or med pay. So when the math indicates it’s possible to get free car insurance, companies don’t profit that way. auto insurance

To choose insurance companies with discount auto insurance rates, follow this link.

Do I need a local agent?

A small number of people would prefer to talk to a local agent. Educated insurance agents can answer important questions and help in the event of a claim. One of the best bonuses of comparing insurance prices online is that you can obtain the lowest rates and still have an agent to talk to.

To find an agent, once you fill out this quick form, the coverage information is sent to agents in your area who will give you bids for your insurance coverage. You don’t have to drive around because quoted prices will be sent straight to your inbox. How’s that for easy!

Choosing a company shouldn’t rely on just the premium amount. Any agent should be forthright in answering these questions:

  • Are they full-time agents?
  • Who is covered by the car insurance policy?
  • Do the companies they represent have a solid financial rating?
  • If they are an independent agency, which companies do they recommend?
  • How many years of experience in personal lines insurance coverages do they have?

Independent or Captive: It’s your choice

When finding a local agent, you need to know there are two different types of agents that you can select. Insurance agencies are categorized either captive or independent. Either one can insure your vehicles, but it’s good to learn how they differ since it can impact your agent selection.

Captive Agents

This type of agents have only one company to place business with and some examples include Allstate, AAA, Liberty Mutual and State Farm. These agents are not able to give you multiple price quotes so they are skilled at selling on more than just price. Captive agents are very knowledgeable on their company’s products which helps them sell insurance even at higher premiums. Consumers frequently buy from captive agents primarily because of the brand legacy and the convenience of having all coverages with one company.

Independent Insurance Agents

Independent insurance agents do not work for one specific company so they can insure your vehicles amongst many companies enabling the ability to shop coverage around. If you are not satisfied with one company, an independent agent can move your coverage and you don’t have to find a new agent.

When searching for an agent, it’s recommended you include price quotes from multiple independent agents for maximum quote selection. They also have the ability to place coverage with different regional companies which can save you money.

To view a full list of auto insurance agents, visit this site.

compare Tahoe insurance prices

Upon receiving acceptable answers to these questions as well as a affordable price, it’s possible that you found a car insurance agent that is a good match to insure your vehicles.

One last thing

As you prepare to switch companies, do not skimp on critical coverages to save a buck or two. There have been many cases where drivers have reduced full coverage only to find out they didn’t purchase enough coverage. The aim is to buy enough coverage at an affordable rate while not skimping on critical coverages.

Consumers change insurance companies for many reasons like not issuing a premium refund, poor customer service, lack of trust in their agent and delays in responding to claim requests. Whatever your reason, switching companies can be easier than you think.

Cheap Chevy Tahoe insurance can be bought both online and with local insurance agents, and you should be comparing both to get a complete price analysis. There are still a few companies who do not offer online quoting and most of the time these small insurance companies sell through independent agents.