Who Has Cheap Insurance Quotes for a Chevrolet Traverse in California?

Your chances of finding the cheapest insurance for a Chevrolet Traverse in California hinges on a pretty complex algorithm that uses a lot of factors like whether the vehicle is new, the likelihood of your vehicle being stolen, and deductible levels for physical damage coverage. Drivers in California pay an average rate of $1,230 per year to insure a Chevrolet Traverse, but that figure is an estimate based on rate data for a 40-year-old single female that wants full coverage and $500 policy deductibles.

There is a high likelihood that you are not 40 and maybe not even a female, married instead of single, and you probably do not live in the same zip code as the example. There is no “one size fits all” policy, so your best chance at finding affordable rates for your Chevrolet is to take your time and compare rates from as many companies as possible.

View Chevrolet Traverse Insurance Rates

The trim level of your Traverse will have an impact price, so the rate you pay to insure a Traverse LS 2WD trim level will be $128 less than the insurance cost for the fancier Traverse LTZ AWD version, as shown in the chart below.

Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, claim-free, and safe-driver. Table data does not factor in garaging location in California which can decrease or increase premium rates greatly.

Buying coverage from a high-quality insurance provider can be a challenge considering how many different insurance companies sell coverage in California. The rank data displayed below could help you choose which providers you want to consider when comparing rates. The ratings below include companies who write in the majority of U.S. states, so companies that have a smaller presence are not taken into consideration for these rankings.

Get discount California car insurance rates

Insurers that offer cheap insurance for a Chevrolet Traverse in California may provide rate discounts that could potentially reduce rates by as much as 35% or more if you are eligible to receive them. A few popular companies and some of the premium reductions they offer include:

• State Farm may offer discounts for defensive driving training, Drive Safe & Save, student away at school, multiple autos, Steer Clear safe driver discount, safe vehicle, and accident-free.
• Liberty Mutual offers discounts for new move discount, new graduate, newly retired, multi-car, and good student.
• American Family may have discounts that include air bags, good student, good driver, early bird, and defensive driver.
• Progressive discounts include good student, multi-policy, online quote discount, continuous coverage, homeowner, multi-vehicle, and online signing.
• Farmers Insurance has savings for electronic funds transfer, business and professional, good student, switch companies, teen driver, and pay in full.
• Auto-Owners Insurance offers premium reductions for air bags, group or association, paperless, multi-policy, good student, mature driver, and paid in full.
• SAFECO policyholders can earn discounts including anti-theft, bundle discounts, homeowner, accident prevention training, and teen safety rewards.

The illustration below shows the comparison of auto insurance costs with and without discounts applied to the policy rates. The information is based on a female driver, no claims or driving violations, California state minimum liability limits, full coverage, and $250 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with accident-free, homeowner, claim-free, multiple policy, multiple vehicle, and defensive driving course discounts applied. When these discounts are applied to the policy premium, the average amount saved each year on auto insurance for a Chevrolet Traverse is 28% or $681.

Insurance rate increases from tickets or accidents

The common sense way to find low auto insurance rates for a Traverse is to be an attentive driver and avoid accidents and violations. The illustration below shows how violations and at-fault accidents impact insurance rates for different age groups of insureds. The costs are based on a single male driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

In the prior example, the average cost of auto insurance per year with a clean driving record and no accidents is $2,036. Get written up for two speeding tickets and the average cost hikes up to $2,688, an increase of $652 each year. Then add in two accidents along with the two speeding tickets and the 12-month cost of auto insurance for a Chevrolet Traverse jumps again to an average of $5,260. That’s an increase of $3,224, or $269 per month, just for not maintaining a clean driving record!

How to find cheap insurance for a Chevrolet Traverse in California

It is possible to find better rates, and here are many thrifty suggestions that can help drivers get the cheapest coverage.

• Save money by obeying traffic laws and keeping a clean driving record
• Home or renters coverage can save on auto insurance
• Avoid filing excessive claims
• Avoid at-fault accidents and claims
• Buy a vehicle with excellent safety ratings
• Check for cheaper rates once a year

The last item on the list is especially critical, as we emphasized in this write-up. Coverage rates change a lot, so don’t be tentative to change to a new company if a better rate can be found. Brand loyalty is great, but is isn’t recommended if that stubbornness costs you a small fortune. It takes less than five minutes to shop around to find cheaper insurance for a Chevrolet Traverse.

Who has the cheapest Chevrolet Traverse insurance quotes?

There are a variety of different ways to compare auto insurance prices in California, but the most prevalent ways are using an exclusive agency such as State Farm or Liberty Mutual, an independent or non-exclusive agent, or direct from companies such as Progressive or Geico. You can use whichever you prefer, but each is different in how they provide rate quotes.

Independent agents can place your business with multiple companies and can get rate quotes from all of them. These types of agencies are not required to write business for one company and can provide you with more rates, which can help you get the best chance of finding a lower price. If your premiums go up, your agent can just switch to a different company and you stay with the same agent.

A captive, or exclusive, agent is contracted to one company, two examples are a Liberty Mutual or State Farm agent. Exclusive agents are unable to quote prices from more than just one company, so unless you get quotes from other companies, you cannot determine which is cheapest.

If you buy direct, you bypass an agent and instead buy direct from companies such as Progressive or Esurance. Buying direct can be good for consumers who do not need advice for asset protection and have a good understanding of what coverages, limits, and deductibles they need.

What is the best way to find cheap insurance for a Chevrolet Traverse in California? Most people assume that buying from a direct car insurance company results in the best prices because there is no agent involved, but in reality, that is not the case. A valid argument could also be made that going through an independent agent is the best way to save due to having more companies to select from, but again, it’s not a sure thing. In many cases, the exclusive agents may have very competitive prices that independents and direct companies can’t touch.

Because of the variability of auto insurance rates, the only true way to ensure the lowest rates is to compare, compare, and compare some more. It’s a good idea to get quotes from all three to get an idea of which is cheapest. For a list of companies with online discounts, click here to view.