Cheap Insurance Quotes for a Chevrolet Traverse in Kentucky

Cheap Insurance Quotes for a Chevrolet Traverse in Kentucky

Your odds of finding cheap insurance for a Chevrolet Traverse in Kentucky depends on a lot of factors like how old the Traverse is, your credit rating, and your motor vehicle report. Kentucky drivers will pay around $890 every 12 months to insure their Traverse, but that policy rate is an estimate that uses a 30-year-old married female driver that includes comprehensive and collision coverage and $250 physical damage deductibles.

Chances are good that you’re not a 30-year-old female, possibly single instead of married, or maybe you prefer higher deductibles. Changing even a minor factor in input factors could end up in a significant change in rate quotes.

Different coverage needs are the reason why the best method for finding affordable rates for your Chevrolet is to comparison shop your policy at every renewal or at least every couple of years.

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The specific trim level will influence the yearly cost, so the price you pay to insure a Traverse LS 2WD model will be $106 less than the cost to insure the more costly Traverse LTZ AWD model, as demonstrated by the prices below.

Chevrolet Traverse Insurance Rates in Kentucky
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Traverse LS 2WD $244 $342 $284 $16 $84 $970 $81
Traverse LS AWD $276 $342 $284 $16 $84 $1,002 $84
Traverse LT 2WD $276 $342 $284 $16 $84 $1,002 $84
Traverse LT AWD $276 $416 $284 $16 $84 $1,076 $90
Traverse LTZ 2WD $276 $416 $284 $16 $84 $1,076 $90
Traverse LTZ AWD $276 $416 $284 $16 $84 $1,076 $90
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Price data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Price estimates do not factor in your specific Kentucky location which can decrease or increase insurance rates significantly.

Kentucky car insurance companies ranked

Ending up with the highest-rated insurance company can be a challenge considering how many companies sell insurance in Kentucky. The company rank data listed below may help you analyze which car insurance providers you want to consider shopping prices with.

The rankings below only include companies that insure vehicles across America, so smaller regional companies are not factored into this list. To compare price quotes and find cheaper insurance for a Chevrolet Traverse, follow this link.

Top 10 Major Auto Insurance Providers in Kentucky Ranked by Customer Satisfaction

  1. USAA – 91%
  2. AAA Insurance – 90%
  3. Esurance – 90%
  4. Nationwide – 89%
  5. Travelers – 88%
  6. Progressive – 88%
  7. Safeco Insurance – 88%
  8. State Farm – 88%
  9. Allstate – 88%
  10. The Hartford – 87%

Top 10 Major Auto Insurance Providers in Kentucky Ranked by Claims Service

  1. Travelers
  2. Allstate
  3. Nationwide
  4. State Farm
  5. GEICO
  6. Liberty Mutual
  7. American Family
  8. Esurance
  9. AAA Insurance
  10. The Hartford

Top Companies for Chevrolet Traverse Insurance in Kentucky

How careless driving impacts car insurance rates

A great way to obtain cheap insurance for a Chevrolet Traverse in Kentucky is to drive attentively and not get tickets or have accidents. The information below illustrates how traffic citations and accident claims impact car insurance rates for different ages of insureds. The rate quotes are based on a married female driver, comp and collision included, $1,000 deductibles, and no discounts are factored in.

In the prior example, the average cost of car insurance in Kentucky per year with no accidents and a clean driving record is $1,164. Factor in two speeding tickets and the average cost jumps to $1,646, an increase of $482 each year. Now throw in two accidents along with the two speeding tickets and the yearly cost of car insurance for a Chevrolet Traverse goes up to an average of $3,547. That’s an increase of $2,383, or $199 per month, just for a couple of infractions!

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Kentucky car insurance rates are calculated based on many things that control the price you have to pay. Turning one year older, adding a teenager to your policy, or getting into an accident can trigger changes in premium that can make some companies cheaper than others. Not only that, but car insurance companies file new rates without warning in order to offset underwriting gains or losses. A period of increased losses may result in higher rates, while lower claim levels may cause more affordable Traverse insurance rates.

To illustrate this example, the chart below shows rates for the cheapest car insurance in Kentucky for a 40-year-old male driver with a clean driving record, no accidents, and a high credit rating. When quoting prices based on his current situation, Cincinnati Insurance offers the lowest car insurance rates in Kentucky at $1,115 a year. This is $1,028 less than the average premium paid by Kentucky drivers of $2,143. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual are also on the list of the cheapest Kentucky auto insurance companies.

Now let’s give the driver in the first example an at-fault accident, a little lower credit rating, and a traffic citation. Since each auto insurance company has their own unique process to establish rates, analyzing rates could result in a completely different list of the cheapest companies as shown below.

Travelers now has the lowest price on auto insurance in Kentucky with Kentucky Farm Bureau, USAA, State Farm, and Westfield now rounding out the top five. This shows why it is important to do a thorough rate comparison to find the most budget-friendly car insurance rates for a Chevrolet Traverse.

Auto insurance prices are influenced by many risk factors and change frequently, so the cheapest option when you last compared rates may now be costing you a lot of money.

How to find more affordable car insurance for a Chevrolet Traverse

It is possible to find better rates, and here are some of the better penny-pinching suggestions that can help drivers find the cheapest auto insurance.

  • Violations and traffic tickets increase rates
  • Try to remain claim-free
  • Safer vehicles cost less to insure
  • Do not get into accidents
  • Drivers with good credit ratings often pay less
  • Shop around for lower rates once a year

The last item on the list is extremely crucial, as was affirmed in this article. Auto insurance rates change constantly, so you should be ready to change to a new company if a more affordable rate is found.

Brand loyalty is great, but it’s not a good idea if that devotedness results in you overpaying a small fortune. In just a couple of minutes you could compare prices to find cheaper insurance for a Chevrolet Traverse.