Buy Chevy Traverse Insurance for Less Money

Tired of being strong-armed to pay your car insurance bill each month? You are in the same boat as many other drivers.

Drivers have so many insurance companies to buy insurance from, and though it is a good thing to be able to choose, it can be more difficult to find the best rates.

It’s smart to get comparison quotes once or twice a year due to the fact that insurance rates tend to go up over time. Even if you think you had the best deal on Traverse coverage a few years ago you will most likely find a better rate today. There is a lot of bad advice regarding car insurance on the internet, so with this article, you’re going to get some great ways to find affordable car insurance.

The purpose of this post is to instruct you on the best way to quote coverages. If you currently have a car insurance policy, you stand a good chance to be able to lower your premiums substantially using this information. But drivers can benefit from knowing how companies market on the web and take advantage of how the system works.

Why your Chevy Traverse insurance rates may be high

It’s important that you understand the different types of things that play a part in calculating your car insurance rates. Understanding what controls the rates you pay helps enable you to make changes that can help you get big savings.

Shown below are some of the items that factor into your rates.

• Bundling policies can get discounts – Most companies will award you with lower prices to people who have multiple policies with them such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. If you currently are using one company, you still need to comparison shop to confirm you are receiving the best rates possible.
• Tickets mean higher rates – Your driving record impacts your car insurance rates tremendously. Drivers with clean records have lower premiums than people who have multiple driving citations. Just one speeding ticket may increase your cost forty percent or more. Drivers who get severe violations like hit and run, DWI or reckless driving convictions may be required to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
• Younger drivers pay higher rates – Teen drivers are known to be less responsible behind the wheel so car insurance rates are higher. Parents adding a teenage driver to your car insurance policy can really hurt. Older drivers tend to be more responsible, tend to cause fewer accidents and tend to be better behind the wheel.
• Type of vehicle determines base rates – The performance of the car you are insuring makes a huge difference in the rate you pay. The cheapest insurance rates are generally reserved for lower performance four cylinder passenger vehicles, but the final cost of insurance is determined by many other factors. Because the Chevrolet Traverse is a crossover, rates will be slightly more than the average rate where you live.
• Proper usage rating affects rates – Driving more miles in a year the more you’ll pay to insure your vehicle. Most companies price each vehicle’s coverage based on their usage. Autos left parked in the garage can get a lower rate than those used for commuting. Make sure your car insurance coverage shows the proper vehicle usage, because it can save money. Incorrect usage on your Traverse may be wasting your money.
• Do you have enough liability coverage? – Liability insurance is the coverage that protects you if ever you are found liable for damages from an accident. Liability provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive compared to physical damage coverage, so do not skimp.
• Sex matters – Statistics show women are more cautious behind the wheel. However, don’t assume that women are better drivers. They both tend to get into accidents in similar numbers, but the men cause more damage and cost insurance companies more money. Men also statistically get cited for more serious violations like DUI and reckless driving.

Take advantage of discounts

The cost of insuring your cars can be expensive, but there are discounts available that many people don’t even know exist. Certain discounts will be triggered automatically when you complete an application, but a few must be requested specifically prior to getting the savings.

• More Vehicles More Savings – Buying insurance for multiple cars or trucks with the same company can get a discount on all vehicles.
• Military Discounts – Being deployed with a military unit may qualify for rate reductions.
• Memberships – Affiliation with certain professional organizations may earn a discount on your policy on Traverse coverage.
• Life Insurance Discount – Select insurance companies reward you with a discount if you purchase a life insurance policy as well.
• Federal Government Employee – Simply working for the federal government may qualify you for a discount on Traverse coverage with select insurance companies.
• Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on Traverse coverage than their less cautious counterparts.
• Air Bag Discount – Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.

It’s important to note that most discount credits are not given the the whole policy. A few only apply to specific coverage prices like comprehensive or collision. So when the math indicates all those discounts means the company will pay you, car insurance companies aren’t that generous. But all discounts will reduce the amount you have to pay.

To see a list of providers with discount car insurance rates, click here to view.

Are insurance agents a thing of the past?

Some people prefer to sit down with an agent. One of the best bonuses of getting online price quotes is that you can obtain lower rates and still choose a local agent. And supporting local agencies is important particularly if you live in a smaller city or town.

To help locate an agent, after submitting this short form, your information gets sent to companies who will return price quotes for your insurance coverage. You won’t need to leave your computer because quoted prices will be sent straight to your inbox. Now that’s easy! You can find better rates AND a local agent.

Different types of insurance agents

When researching an insurance agent, you need to know there are two different types of agents that you can select. Agents are classified as either independent or captive.

Independent Agents

Independent agents are not employed by any specific company so they have the ability to put coverage with any number of different companies enabling the ability to shop coverage around. If you are not satisfied with one company, your agent can switch companies and you won’t have to switch agencies.

When comparing rates, we recommend you contact multiple independent agents to get the best comparison.

Captive Insurance Agents

These agents have only one company to place business with such as Allstate, Farmers Insurance, State Farm and AAA. These agents are unable to place coverage with different providers so it’s a take it or leave it situation. Captives are usually quite knowledgeable on the products they sell which helps them sell insurance even at higher premiums.

To view a full list of insurance agencies, click here.

Choosing a car insurance agent should depend on more than just the premium amount. Any agent should have no problem answering these questions:

• How are claims handled?
• How much will you save each year by using a higher deductible?
• Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
• Does the agency support the community they serve?
• Do they have adequate Errors and Ommissions coverage? This protects you if they make a mistake.
• If they are an independent agency, which companies do they recommend?

Once you have received positive responses for all questions you ask and a good coverage price, you may have just found an insurance agency that can insure your vehicles.

Can switching companies really save?

Car insurance providers like State Farm, Allstate and GEICO continually stream ads in print and on television. They all have a common claim of big savings after switching your policy. How can each company say the same thing?

Insurance companies are able to cherry pick for the right customer that is profitable for them. For instance, a desirable insured could be over the age of 40, insures multiple vehicles, and has great credit. Any new insured that hits that “sweet spot” gets the lowest rates and therefore will cut their rates substantially.

Drivers who don’t qualify for the “perfect” profile will be charged higher premiums and ends up with business going elsewhere. The ads state “people who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can claim big savings.

That is why you absolutely need to get as many comparisons as possible. It is impossible to predict the company that will fit your personal profile best.

Shop smart and save

Cheap Chevy Traverse insurance is available on the web in addition to many insurance agents, and you should compare price quotes from both to get a complete price analysis. A few companies do not provide online price quotes and usually these small insurance companies provide coverage only through local independent agents.

We’ve covered many tips how you can get a better price on Chevy Traverse insurance. The most important thing to understand is the more companies you get rates for, the higher the chance of saving money. Drivers may discover the best prices are with some of the smallest insurance companies. These companies may cover specific market segments cheaper than the large multi-state companies such as Progressive or GEICO.

When you buy insurance online, do not skimp on coverage in order to save money. There have been many situations where someone dropped collision coverage and discovered at claim time they didn’t purchase enough coverage. Your strategy should be to buy the best coverage you can find at a price you can afford while still protecting your assets.