Searching for cheaper insurance for a new or used Chevy Traverse can turn out to be an all-consuming task, but you can learn our auto insurance buying tips and make it easy. There are both good and bad ways to find auto insurance online so we’re going to tell you the quickest way to quote coverages for your Chevy and locate the cheapest rates either online or from local insurance agents.
It’s a good habit to shop coverage around every six months because rates trend upward over time. Just because you found the best price on Traverse insurance on your last policy you can probably find a better price now. So block out anything you think you know about auto insurance because you’re about to learn the right way to properly buy coverages and cut your premium.
Auto insurance companies do not list all available discounts very well, so we researched both well-publicized and the harder-to-find savings tricks you should be using. If you don’t get every credit you deserve, you are paying more than you should be.
Drivers should understand that most discount credits are not given to your bottom line cost. Most only reduce the price of certain insurance coverages like physical damage coverage or medical payments. Just because you may think adding up those discounts means a free policy, you won’t be that lucky.
For a list of insurers who offer auto insurance discounts, click here to view.
When buying proper insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different.
For example, these questions can aid in determining if your situation would benefit from an agent’s advice.
If you don’t know the answers to these questions, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It only takes a few minutes and you can get the answers you need.
Having a good grasp of a insurance policy can help you determine which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and nobody wants to actually read their policy.
Coverage for medical payments – Medical payments and Personal Injury Protection insurance kick in for expenses for doctor visits, nursing services, funeral costs and pain medications. The coverages can be utilized in addition to your health insurance policy or if you lack health insurance entirely. Coverage applies to you and your occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage
Uninsured and underinsured coverage – This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy Traverse.
Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.
Auto liability – Liability coverage provides protection from damage that occurs to other’s property or people. It protects YOU against other people’s claims. It does not cover damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show policy limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.
Liability insurance covers things like bail bonds, repair costs for stationary objects, pain and suffering and legal defense fees. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.
Collision coverages – Collision coverage pays for damage to your Traverse from colliding with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against claims such as rolling your car, hitting a parking meter, damaging your car on a curb, sustaining damage from a pot hole and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.
Comprehensive coverages – Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive coverage pays for things such as falling objects, fire damage and a tree branch falling on your vehicle. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.
In this article, we covered a lot of ways to lower your 2013 Chevy Traverse insurance rates. The key concept to understand is the more you quote, the better your chances of lowering your rates. Consumers could even find that the most savings is with the least-expected company.
Lower-priced insurance is definitely available both online in addition to many insurance agents, and you should be comparing both to have the best chance of lowering rates. Some auto insurance companies do not provide online price quotes and many times these small, regional companies only sell through independent insurance agents.
Insureds switch companies for many reasons like delays in paying claims, high rates after DUI convictions, policy non-renewal or even being labeled a high risk driver. It doesn’t matter why you want to switch finding the right auto insurance provider is not as hard as you think.