2011 Chevrolet Traverse Car Insurance Quotes

Shopping online for insurance coverage can seem complicated if you’re new to online quoting. But don’t be discouraged because there is an easy way to compare rates.

It’s a good habit to compare prices at least once a year due to the fact that insurance rates are rarely the same from one policy term to another. Just because you had the best deal on Traverse insurance six months ago there may be better deals available now. Starting right now, forget all the misinformation about insurance coverage because you’re going to get a crash course in how to use online quotes to remove unneeded coverages and save money.

Finding Auto Insurance

The are a couple different ways of comparing rate quotes and find the best price. The quickest method to find competitive 2011 Chevy Traverse insurance rates is to perform an online rate comparison. It is quite easy and can be accomplished in several different ways.

  1. One of the simplest ways to get the best comparison quotes is a comparison rater form (click to open form in new window). This type of form saves time by eliminating boring form submissions to each individual auto insurance company. Filling out one form will return quotes from multiple companies. Just one form and you’re done.
  2. Another way to get quotes online requires a visit to the website for each individual company to request a price quote. For examples sake, let’s say you want to compare rates from Allstate, 21st Century and State Farm. You would have to go to every website and enter your information, which is why most consumers use the first method.

    For a handy list of car insurance company links in your area, click here.

  3. The least efficient way to compare rates is to spend time driving to and from local insurance agencies. The internet has reduced the need for local agents unless you have a need for the personal advice of a licensed agent. Drivers can comparison shop your insurance online but buy from a local insurance agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just compare exactly the same coverage information for each price quote. If each company quotes differing limits it will be very difficult to make an equal comparison. Having just a slight variation in insurance coverages may result in a large different in cost. And when comparing auto insurance rates, know that getting more free quotes helps locate better pricing.

Don’t overlook these discounts

Auto insurance companies don’t list all available discounts very clearly, so here is a list both the well known and the more hidden savings tricks you should be using.

  • Payment Discounts – If paying your policy premium upfront rather than paying monthly you could save up to 5%.
  • Distant Student – Any of your kids who attend school more than 100 miles from home without a vehicle on campus may be able to be covered for less.
  • E-sign – A handful of insurance companies give back up to $50 simply for signing online.
  • Own a Home – Being a homeowner may earn you a small savings because maintaining a house demonstrates responsibility.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can receive discounts of more than 20%.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems can avoid accidents and therefore earn up to a 10% discount.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Good Students Pay Less – Getting good grades can save 20 to 25%. This discount can apply well after school through age 25.
  • Multi-car Discount – Buying coverage for more than one vehicle on the same insurance coverage policy qualifies for this discount.

Keep in mind that many deductions do not apply the the whole policy. Some only apply to the price of certain insurance coverages like collision or personal injury protection. So despite the fact that it appears you could get a free insurance coverage policy, companies don’t profit that way.

A partial list of companies that possibly offer these discounts include:

Double check with each company which discounts you may be entitled to. Discounts may not apply in every state.

Chevy Traverse rates are in the details

Consumers need to have an understanding of the rating factors that come into play when calculating the rates you pay for auto insurance. Having a good understanding of what controls the rates you pay helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • Pay less if you’re married – Getting married actually saves money on auto insurance. Having a significant other usually means you are more responsible and it’s statistically proven that married drivers get in fewer accidents.
  • Where you live is a factor – Living in less populated areas is a positive aspect when it comes to auto insurance. Less people living in that area means reduced accidents and also fewer theft and vandalism claims. Urban drivers have to deal with more traffic problems and longer commutes to work. More time on the road means more change of being in an accident.
  • Never allow your policy to lapse – Having an insurance coverage lapse will be a sure-fire way to bump up your auto insurance costs. And not only will your rates increase, getting caught without coverage will get you a hefty fine and possibly a revoked license.You may need to submit proof of financial responsibility or a SR-22 with your state department of motor vehicles.
  • Higher safety ratings means cheaper insurance – Safer cars tend to have better insurance rates. Safer cars reduce injuries and lower injury rates means lower claim amounts passed on to you as lower rates. If the Chevy Traverse scored better than four stars on Safercar.gov or an “acceptable” rating on iihs.org it may be receiving lower rates.
  • Older drivers save more – Young drivers are known to be less responsible when behind the wheel so auto insurance rates are higher. Older insureds tend to be more responsible, file fewer claims and receive fewer citations.

Is my situation unique?

When choosing the best insurance coverage, there is no perfect coverage plan. Everyone’s needs are different.

For instance, these questions might point out whether your personal situation may require specific advice.

  • Should I waive the damage coverage when renting a car?
  • Why am I required to buy liability insurance?
  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Am I covered if I drive in a foreign country?
  • If my pet gets injured in an accident are they covered?
  • Are my friends covered when driving my car?
  • Am I insured when driving a different vehicle?

If you don’t know the answers to these questions then you might want to talk to an agent. To find an agent in your area, complete this form.

Auto insurance 101

Knowing the specifics of insurance can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be impossible to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

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

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked.

Comprehensive auto coverage

Comprehensive insurance pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, fire damage, damage from a tornado or hurricane and falling objects. The highest amount your insurance company will pay is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision protection

Collision insurance pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like hitting a mailbox, backing into a parked car and sustaining damage from a pot hole. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Medical payments and PIP coverage

Med pay and PIP coverage provide coverage for expenses for funeral costs, ambulance fees, X-ray expenses, rehabilitation expenses and nursing services. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage


Liability insurance provides protection from damage or injury you incur to other people or property in an accident. This coverage protects you against other people’s claims, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for claims like funeral expenses, legal defense fees, medical services and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but consider buying as high a limit as you can afford.

Do the work, save more money

Affordable 2011 Chevy Traverse insurance can be bought online and also from your neighborhood agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get a quote online and usually these regional insurance providers provide coverage only through local independent agents.

In this article, we presented many tips how you can shop for insurance online. The most important thing to understand is the more price quotes you have, the better your comparison will be. Consumers could even find that the lowest rates come from the least-expected company.

Drivers change insurance companies for many reasons like policy non-renewal, unfair underwriting practices, being labeled a high risk driver and even high rates after DUI convictions. Whatever your reason, switching insurance companies is easier than you think.

More tips and info about insurance can be found by following these links: