How Much Does 1999 Chevrolet Tahoe Insurance Cost?

Looking for better insurance rates for your Chevrolet Tahoe? Finding better insurance prices for a new or used Chevy Tahoe can be a lot of work, but you can follow these tips to save time. There is a right way and a wrong way to buy insurance and we’ll show you the best way to get price quotes for a Chevy and locate the lowest possible price.

Pay less for 1999 Chevy Tahoe insurance

Companies don’t necessarily list all their discounts very clearly, so we break down some of the more common and also the lesser-known insurance savings. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Military Rewards – Having a family member in the military could be rewarded with lower premiums.
  • Anti-theft System – Cars that have factory anti-theft systems help deter theft and therefore earn up to a 10% discount.
  • Low Mileage – Keeping the miles down on your Chevy can earn better rates on cars that stay parked.
  • Accident Waiver – A few companies will forgive one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Paperwork-free – Some insurance companies give back up to $50 simply for signing online.
  • Passive Restraints and Air Bags – Vehicles with factory air bags or motorized seat belts can qualify for discounts of more than 20%.
  • Government Employees – Simply working for the federal government can earn a discount up to 10% on Tahoe coverage with select insurance companies.

A little note about advertised discounts, some credits don’t apply to the overall cost of the policy. Most only reduce individual premiums such as liability, collision or medical payments. So when it seems like all those discounts means the company will pay you, you won’t be that lucky.

Companies that may have these money-saving discounts may include but are not limited to:

Before buying, ask each insurance company how you can save money. Some discounts may not apply in your area.

Factors determining your Chevy Tahoe insurance premium

An important part of buying insurance is that you know the rating factors that play a part in calculating the price you pay for car insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that can help you get lower car insurance prices.

  • Higher safety ratings means cheaper insurance – Safer cars tend to have better insurance rates. The safest vehicles result in less severe injuries and better occupant protection means lower claim amounts and thus lower rates. If the Chevy Tahoe scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Lower rates with optional equipment – Purchasing a vehicle with a theft deterrent system can get you a discount on your car insurance. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping car theft.
  • Males pay more for insurance – Statistics show women tend to be less risk to insure than men. Now that doesn’t mean women are better drivers. Both sexes have accidents in similar percentages, but the male of the species tend to have more serious accidents. Men also tend to get more serious tickets like reckless driving and DUI.
  • Frequent car insurance claims increase rates – Auto insurance companies give cheaper rates to people who do not file claims often. If you frequently file small claims, you can look forward to higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.

Tailor your coverage to you

When choosing proper insurance coverage for your personal vehicles, there isn’t really a “best” method to buy coverage. Everyone’s needs are different.

For example, these questions may help you determine whether your personal situation could use an agent’s help.

  • Who is covered by my policy?
  • Am I covered when using my vehicle for business?
  • Are my friends covered when driving my car?
  • Can I pay claims out-of-pocket if I buy high deductibles?
  • Are my friends covered when driving my 1999 Chevy Tahoe?
  • Can I rate high risk drivers on liability-only vehicles?
  • Where can I find high-risk insurance?
  • Should I have a commercial auto policy?
  • Is my vehicle covered by my employer’s policy when using it for work?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, fill out this quick form. It is quick, free and may give you better protection.

The insurance bait and switch

Consumers can’t get away from ads that promise big savings from companies such as Progressive, Geico, Allstate and State Farm. All the companies make an identical promise about savings if you change your policy.

How does each company make almost identical claims? This is how they do it.

Different companies have a certain “appetite” for the type of customer that earns them a profit. An example of a profitable customer might be profiled as between 30 and 50, a clean driving record, and has great credit. A propective insured who meets those qualifications will get very good rates and is almost guaranteed to pay quite a bit less when switching companies.

Potential insureds who do not match this ideal profile will be charged a higher premium which leads to the driver buying from a lower-cost company. The ads state “people who switch” but not “drivers who get quotes” save that kind of money. That’s why companies can claim big savings. That is why drivers must get quotes from several different companies. It’s not possible to predict the company that will fit your personal profile best.

Car insurance coverage considerations

Learning about specific coverages of a car insurance policy can help you determine the best coverages and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording.

Liability insurance

This coverage will cover damage or injury you incur to other’s property or people that is your fault. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 25/50/25 which means $25,000 in coverage for each person’s injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like loss of income, court costs and repair costs for stationary objects. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Comprehensive or Other Than Collision

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like vandalism, fire damage, damage from a tornado or hurricane, theft and damage from getting keyed. The maximum amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Medical costs insurance

Med pay and PIP coverage reimburse you for bills such as nursing services, chiropractic care, dental work and doctor visits. They are utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Auto collision coverage

This coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims such as sustaining damage from a pot hole, scraping a guard rail, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. Drivers also have the option to bump up the deductible in order to get cheaper collision rates.

UM/UIM Coverage

This protects you and your vehicle from other motorists when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Take this to the bank

In this article, we covered a lot of techniques to reduce 1999 Chevy Tahoe insurance prices online. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. Consumers could even find that the biggest savings come from a smaller regional carrier.

People switch companies for any number of reasons including not issuing a premium refund, high rates after DUI convictions, poor customer service or delays in responding to claim requests. No matter why you want to switch, choosing a new company can be easier than you think.

Budget-conscious insurance can be purchased online in addition to many insurance agents, and you need to price shop both in order to have the best chance of saving money. Some insurance providers do not provide you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Additional resources