2006 Chevrolet Tahoe Insurance Rates – 7 Ideas for Best Quotes

Overpriced Chevrolet Tahoe insurance can take a big chunk out of your personal savings, especially in this economy. Comparing price quotes is a smart way to reduce premiums and put more money in your pocket.

Big companies like Progressive, GEICO and Farmers Insurance persitently shower you with advertising and consumers find it hard to avoid their marketing magic and effectively compare rates to find the best deal.

Fast and Easy Car Insurance Quotes

Shopping for lower car insurance rates can take time and effort if you don’t utilize the fastest way to get free quotes. You can waste a lot of time discussing policy coverages with agents in your area, or you could use the internet to quickly compare rates.

The majority of car insurance companies enroll in a system that allows shoppers to enter their coverage request one time, and every company can provide price quotes for coverage. This eliminates the need for form submissions to every company.

To participate in this free quote system, click to open in new window.

The one disadvantage to doing it this way is you can’t choose the companies you want to price. If you prefer to choose from a list of companies to request quotes from, we have assembled a list of car insurance companies in your area. View list of insurance companies.

Which method you use is up to you, but compare identical coverages on every quote. If you are comparing different deductibles you can’t possibly determine the lowest rate for your Chevy Tahoe. Having just a slight variation in limits can result in a big premium difference. Just remember that having more price comparisons helps you find lower pricing.

Get lower rates on 2006 Chevy Tahoe insurance

Companies that sell car insurance don’t necessarily list every available discount in a way that’s easy to find, so here is a list some of the more common and the harder-to-find auto insurance savings.

  • One Accident Forgiven – A few companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Government Employees – Being employed by or retired from a federal job could cut as much as 10% off for Tahoe insurance with select insurance companies.
  • Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Seat Belts Save more than Lives – Drivers who require all occupants to wear their seat belts can save 10% or more off the personal injury premium cost.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and therefore earn up to a 10% discount.
  • Air Bag Discount – Vehicles equipped with air bags may earn rate discounts of 20% or more.
  • Low Mileage – Keeping the miles down on your Chevy can qualify you for better rates on cars that stay parked.

A little note about advertised discounts, most discount credits are not given the the whole policy. Most only apply to the price of certain insurance coverages like medical payments or collision. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky.

To see a list of providers offering auto insurance discounts, click here to view.

Tailor your coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there isn’t really a one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions may help highlight if you may require specific advice.

  • If my pet gets injured in an accident are they covered?
  • Does my policy cover my teen driver if they drive my company car?
  • Am I insured when driving a different vehicle?
  • What are the financial responsibility laws in my state?
  • Are rock chip repairs covered?
  • Do I benefit by insuring my home with the same company?
  • Is motorclub coverage worth it?
  • Do I have coverage when pulling a U-Haul trailer?
  • How can I find cheaper teen driver insurance?
  • Does my personal policy cover me when driving out-of-state?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area.

Auto insurance coverage basics

Having a good grasp of your auto insurance policy can help you determine appropriate coverage at the best deductibles and correct limits. Policy terminology can be confusing and coverage can change by endorsement. These are typical coverage types found on the average auto insurance policy.

Coverage for liability

This coverage protects you from damage or injury you incur to other people or property in an accident. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 which stand for a limit of $50,000 per injured person, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims like repair costs for stationary objects, medical expenses and legal defense fees. How much liability should you purchase? That is a decision to put some thought into, but consider buying as large an amount as possible.

Collision insurance

Collision insurance pays for damage to your Tahoe from colliding with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as colliding with another moving vehicle, backing into a parked car, driving through your garage door and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to bring the cost down.

Comprehensive coverage

This will pay to fix damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like falling objects, theft and damage from getting keyed. The maximum amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

This coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Chevy Tahoe.

Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills for things like EMT expenses, surgery, rehabilitation expenses, chiropractic care and dental work. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

Be a money saver!

Cost effective 2006 Chevy Tahoe insurance can be bought on the web as well as from independent agents, and you should compare price quotes from both to have the best rate selection. Some companies don’t offer online quoting and these regional insurance providers work with independent agents.

Throughout this article, we presented many tips how you can reduce insurance prices online. The key concept to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the lowest premiums are with the least-expected company. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as State Farm or Progressive.

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