Cheap 1998 Chevrolet Tahoe Car Insurance Rates

Searching for cheaper auto insurance rates for your Chevrolet Tahoe? Nobody I know likes paying for auto insurance, especially knowing the cost is way too high.

With so many online and local companies to choose from, it can be hard to pick the most affordable insurer.

Finding affordable coverage is not rocket science. Basically, every driver who carries insurance will be able to reduce their rates. But consumers do need to understand the way insurance companies sell insurance online because it can help you find the best coverage.

Compare the Market for Auto Insurance

There are several ways to compare quotes from different insurance companies. The easiest way by far to find the cheapest 1998 Chevy Tahoe insurance rates is simply to get online rate quotes. This is very easy and can be done in a couple of different ways.

1. The fastest way to get quotes for comparison is a comparison rater form click to view form in new window. This form saves time by eliminating a different quote for every auto insurance company. Completing one form will return price quotes from many national carriers.
2. A slightly less efficient method to shop for auto insurance online requires a trip to the website for each individual company and request a quote. For instance, let’s assume you want to compare rates from Farmers, Esurance and GEICO. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, which is why the first method is more popular.

   For a list of links to companies insuring cars in your area, click here.

However you get your quotes, ensure you are comparing identical deductibles and coverage limits with every price quote. If each company quotes different deductibles then you won’t be able to make a fair comparison for your Chevy Tahoe. Slightly different coverages can mean a large discrepancy in price. And when comparing auto insurance rates, know that more quotes helps locate a better price.

Save on Chevy Tahoe insurance

Companies do not advertise all available discounts in an easy-to-find place, so we researched some of the best known and the harder-to-find savings tricks you should be using.

• Defensive Driver – Taking a driver safety course could cut 5% off your bill if your company offers it.
• Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you may reduce your total bill.
• Use Seat Belts – Drivers who require all occupants to use their safety belts could save 15% off your PIP or medical payments premium.
• Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education in school.
• Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and therefore earn up to a 10% discount.
• Distant Student – Children living away from home attending college without a vehicle on campus can be insured at a reduced rate.
• No Accidents – Claim-free drivers pay less when compared to bad drivers.
• Discount for Good Grades – This discount can be rewarded with saving of up to 25%. Earning this discount can benefit you until age 25.
• Club Memberships – Belonging to a civic or occupational organization may earn a discount when shopping for car insurance on Tahoe coverage.
• Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.

Consumers should know that some of the credits will not apply to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, car insurance companies aren’t that generous.

For a list of insurance companies offering car insurance discounts, click here.

Tailor your coverage to you

When it comes to choosing the best insurance coverage for your personal vehicles, there isn’t really a best way to insure your cars. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining if your insurance needs may require specific advice.

• Does my 1998 Chevy Tahoe qualify for pleasure use?
• Do I need replacement cost coverage?
• Why am I be forced to buy a membership to get insurance from some companies?
• Does my personal policy cover me when driving out-of-state?
• Does liability extend to a camper or trailer?
• Can my teen driver be rated on a liability-only vehicle?

If you don’t know the answers to these questions, you might consider talking to an agent. If you want to speak to an agent in your area, simply complete this short form or click here for a list of insurance companies in your area.

Car insurance coverages and their meanings

Understanding the coverages of your car insurance policy can be of help when determining the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average car insurance policy.

Coverage for medical payments – Coverage for medical payments and/or PIP kick in for expenses like ambulance fees, X-ray expenses, nursing services, pain medications and surgery. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. They cover not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverages – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like fire damage, hitting a deer and a tree branch falling on your vehicle. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision – This coverage pays for damage to your Tahoe from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as sideswiping another vehicle, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to increase the deductible to get cheaper collision coverage.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Chevy Tahoe.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Liability coverage – This coverage will cover damages or injuries you inflict on people or other property in an accident. This coverage protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage pays for things such as medical services, pain and suffering, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.