Cheap 1999 Chevrolet Tahoe Insurance Rates

Consumers have options when looking for the best price on Chevy Tahoe insurance. They can either waste time contacting agents getting price quotes or leverage the internet to get rate quotes.

There are both good and bad ways to compare insurance rates so you’re going to learn the quickest way to quote coverages for a Chevy and get the best price possible either online or from local insurance agents.

The purpose of this post is to help you learn the most effective way to quote insurance. If you currently have car insurance, you will be able to lower your premiums substantially using this information. Consumers just need to understand the proper methods to get comparison quotes online.

Parts of the Chevy Tahoe rate equation

An important part of buying insurance is that you know the factors that go into determining insurance coverage rates. Understanding what influences your rates enables informed choices that may reward you with lower insurance coverage prices.

Listed below are some of the factors insurance coverage companies consider when setting rates.

  • More than one policy can earn a discount – The majority of companies provide better rates to insureds who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to anywhere from five to ten percent in most cases. If you currently are using one company, you still need to shop around to ensure the best deal. Consumers may find better rates by buying insurance coverage from a different company.
  • Your insurance coverage rates can be influenced by your job – Did you know your insurance coverage rates can be affected by your occupation? Careers like judges, architects and dentists have the highest average rates attributed to high stress levels and lengthy work days. Other occupations such as scientists, historians and homemakers get better rates on Tahoe insurance.
  • Save money with special equipment – Driving a car that has an advanced theft prevention system can help bring down rates. Anti-theft features like vehicle immobilizer systems, General Motors OnStar and LoJack tracking systems all hinder your car from being stolen.
  • Marriage pays dividends – Getting married can get you a discount on insurance coverage. Marriage translates into being more mature and it’s proven that being married results in fewer claims.

How to Compare Insurance Costs

There are a lot of ways to compare insurance quotes, and some are easier and takes less work. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you could use the web for quick rates.

The majority of car insurance companies participate in an industry program that enables customers to only type in their quote data once, and at least one company returns a rated price based on that data. This system prevents you from having to do repetitive form submissions to every company.

To compare pricing click here to open in new window.

The one downside to doing it this way is you cannot specify which carriers to get quotes from. So if you prefer to pick individual companies to compare, we have a page of insurance companies in your area. View list of insurance companies.

Whichever way you use, compare exactly the same coverage information on every quote you get. If you enter different values for each quote it will be next to impossible to determine the best price for your Chevy Tahoe.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t get away from ads that promise big savings by State Farm and Allstate. They all have a common claim that you can save if you move to their company.

How can each company claim to save you money?

Insurance companies have a certain “appetite” for the right customer that earns them a profit. A good example of a preferred risk might be over the age of 50, is a homeowner, and drives newer vehicles. Any new insured that hits that “sweet spot” receives the best rates and is almost guaranteed to save when switching.

Potential customers who don’t meet the “perfect” profile will have to pay higher premiums and this can result in business not being written. The ads say “drivers who switch” not “people who quote” save that much. This is how insurance companies can state the savings.

Because of the profiling, it is so important to get as many comparisons as possible. It’s not possible to predict which insurance companies will provide you with the cheapest Chevy Tahoe insurance rates.

Discounts are basically free money

Insuring your vehicles can cost a lot, but there are discounts available to help bring down the price. A few discounts will automatically apply at the time of purchase, but a few must be specifically requested before you will receive the discount. If you’re not getting every credit you deserve, you are throwing money away.

  • Senior Discount – If you qualify as a senior citizen, you may be able to get a discount up to 10% on Tahoe insurance.
  • Discounts for Safe Drivers – Drivers who avoid accidents may save up to 50% more on Tahoe insurance than drivers with accidents.
  • Homeowners Savings – Owning a home can help you save on car insurance because maintaining a house is proof that your finances are in order.
  • Auto/Life Discount – Larger companies have better rates if you take out auto and life insurance together.
  • E-sign – A handful of insurance companies will give a small break simply for signing online.
  • No Claims – Drivers who don’t have accidents can earn big discounts compared to accident-prone drivers.
  • Early Switch Discount – Select companies give a discount for switching policies before your current expiration date. It’s a savings of about 10%.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts can save up to 15% off your medical payments premium.

Keep in mind that most credits do not apply to the entire policy premium. Most only apply to individual premiums such as collision or personal injury protection. So when it seems like all the discounts add up to a free policy, car insurance companies aren’t that generous. But all discounts will reduce your premiums.

For a list of companies with discount car insurance rates, click this link.

Which insurance is the “right” coverage?

When it comes to choosing adequate coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

Here are some questions about coverages that could help you determine if your insurance needs might need professional guidance.

  • Do I pay less for low miles?
  • What is UM/UIM insurance?
  • Am I covered if I drive in a foreign country?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Am I better off with higher deductibles on my 1999 Chevy Tahoe?
  • Should I get collision insurance on every vehicle?
  • Do I need added coverage for expensive stereo equipment?

If you don’t know the answers to these questions but you think they might apply to your situation, you might consider talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Specifics of your insurance policy

Understanding the coverages of a insurance policy helps when choosing appropriate coverage for your vehicles. Insurance terms can be ambiguous and coverage can change by endorsement.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance pay for short-term medical expenses for things like funeral costs, dental work and nursing services. They are often used to fill the gap from your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Coverage for liability

This protects you from damage that occurs to a person or their property that is your fault. This insurance protects YOU against other people’s claims, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for things like repair costs for stationary objects, legal defense fees, bail bonds and medical expenses. How much coverage you buy is your choice, but you should buy higher limits if possible.

Comprehensive coverages

This coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, fire damage, falling objects and a broken windshield. The highest amount a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Collision coverage

Collision coverage will pay to fix damage to your Tahoe resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as colliding with another moving vehicle, crashing into a ditch and crashing into a building. This coverage can be expensive, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to save money on collision insurance.

Better coverage you can count on

Discount 1999 Chevy Tahoe insurance can be purchased from both online companies as well as from independent agents, so you should be comparing quotes from both to get a complete price analysis. There are still a few companies who don’t offer online price quotes and many times these smaller companies only sell through independent insurance agents.

Consumers change insurance companies for a number of reasons such as lack of trust in their agent, an unsatisfactory settlement offer, extreme rates for teen drivers or even policy non-renewal. Whatever your reason, choosing a new insurance company can be easier than you think.

When buying insurance coverage, you should never reduce coverage to reduce premium. There have been many situations where someone dropped full coverage only to regret at claim time that it was a big error on their part. The aim is to find the BEST coverage at a price you can afford, not the least amount of coverage.

More learning opportunities