2003 Chevrolet Tahoe Insurance Cost – 9 Tricks for Best Prices

Having to pay for overpriced car insurance can dwindle your checking account and make it impossible to make ends meet. Doing a price comparison is a great way to cut your insurance bill. Many insurance companies compete to insure your vehicles, and it can be difficult to compare rates to find the absolute lowest rate

How to Compare Car Insurance Rates

All major car insurance companies provide coverage prices directly from their websites. Getting online quotes doesn’t take a lot of time as you just enter the coverage amounts you desire into a form. Behind the scenes, their rating system collects your driving record and credit report and quotes a price determined by many factors. Quoting online simplifies rate comparisons, but the time required to go to each company’s website and repetitively complete many quote forms can be a bit tiresome and repetitive. But it is imperative to compare as many rates as possible if you want to find better prices.

The better way to compare rates

The smarter way to locate the lowest prices is to use a quote form to return rates from several different companies. It’s a real time-saver, requires much less work on your part, and makes online quotes much more enjoyable and efficient. Immediately after you send the form, your coverage is rated and you can select any one of the quotes returned.

If a lower price is quoted, you simply finish the application and buy the policy. It can be completed in a matter of minutes and you’ll know if lower rates are available.

If you want to find out how much you can save on car insurance, simply click here to open in new window and enter your information. If you have a policy now, it’s recommended you copy coverages and limits exactly as they are listed on your policy. This guarantees you will be getting a rate comparison using the same coverage and limits.

Is my situation unique?

When choosing the best insurance coverage for your vehicles, there really is no best way to insure your cars. Every situation is different so your insurance should reflect that These are some specific questions may help you determine whether your personal situation might need professional guidance.

Am I missing any policy discounts?
Is my babysitter covered when using my vehicle?
Is upholstery damage covered by car insurance?
Does liability extend to a camper or trailer?
Can I afford low physical damage deductibles?
Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions but you know they apply to you then you might want to talk to an agent. To find lower rates from a local agent, complete this form or click here for a list of insurance companies in your area. It’s fast, doesn’t cost anything and may give you better protection.

Auto insurance 101

Learning about specific coverages of a 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 nobody wants to actually read their policy. Below you’ll find the usual coverages found on most insurance policies.

Auto collision coverage

Collision coverage will pay to fix damage to your Tahoe resulting from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as rolling your car, sustaining damage from a pot hole, crashing into a ditch and colliding with another moving vehicle. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your 2003 Chevy Tahoe.

Since many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

Auto liability insurance

This coverage will cover damages or injuries you inflict on people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which limits claims to one amount without having the split limit caps.

Liability coverage pays for things such as court costs, attorney fees, loss of income, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as falling objects, hail damage, damage from getting keyed and damage from a tornado or hurricane. The most you’ll receive from a claim is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for prosthetic devices, X-ray expenses and surgery. They can be utilized in addition to your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not available in all states and may carry a deductible