2019 Chevrolet Trax Car Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 9, 2024

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Feel like you’re a prisoner to an expensive car insurance policy? Don’t sweat it because many consumers are in the same pinch.

You have so many insurers to insure vehicles with, and even though it’s nice to be able to choose, it can be more difficult to compare company pricing.

You need to quote other rates every six months due to the fact that insurance rates fluctuate regularly. Just because you had the lowest premium rates for Trax insurance a year ago you can probably find a lower rate today. Forget anything you know (or think you know) about car insurance because we’re going to show you how to use the internet to find lower rates on car insurance.

Finding affordable coverage is easy if you know what you’re doing. Basically, every driver who is required by state law to have insurance coverage should be able to reduce their rates. But consumers do need to know how big insurance companies determine prices and apply this information to your search.

Get lower-cost insurance with these tips

Part of the insurance buying process is learning the factors that aid in calculating your insurance rates. When you know what positively or negatively determines base rates, this allows you to make good choices that may reward you with lower rates.

  • Gender as a rate factor – Statistics show that men are more aggressive behind the wheel. Now that doesn’t mean females are better at driving than males. Both sexes cause fender benders in similar numbers, but guys cause more damage and cost insurance companies more money. In addition to higher claims, males also get cited for more serious violations like reckless driving and DUI. Male teenagers are several times more likely to be in an accident so it costs more to insure them.
  • Occupation impacts rates – Occupations such as military generals, architects and financial analysts generally pay the highest rates in part from job stress and lots of time spent at work. Other jobs like scientists, engineers and retirees have the lowest average rates for Trax insurance.
  • Age of drivers impacts rates – Teenage drivers are statistically proven to be easily distracted behind the wheel therefore insurance rates are much higher. Older, more experienced drivers are more cautious drivers, tend to file fewer claims and are safer drivers.
  • Get better costs if you’re married – Walking down the aisle helps lower the price when shopping for insurance. It means you’re more mature it has been statistically shown that married drivers tend to file fewer claims.
  • Always have insurance – Going without insurance is a guaranteed way to increase your rates. In addition to paying higher rates, failure to provide proof of insurance might get you fines or a revoked license. You will then be forced to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Remove unneeded extra coverages – There are many extra bells and whistles that may not really be needed if you don’t pay attention. Coverages like vanishing deductibles, accident forgiveness, and extra equipment coverage could be just wasting money. They may seem like a good idea at first, but now you might not need them so get rid of them and save.
  • Combine home and auto and save – Some companies apply better rates to clients that purchase more than one policy, otherwise known as a multi-policy discount. The discount can add up to ten percent or more. Even if you’re getting this discount it’s always a smart idea to check prices from other companies to ensure the best deal. There is a good possibility that you can save even more even if you have your coverage with different companies.

Don’t overlook these auto insurance discounts

Some providers don’t necessarily list every discount they offer very well, so below is a list both well-publicized and the harder-to-find credits that you can use to lower your rates. If you don’t get every credit possible, you are paying more than you should be.

  • Theft Deterrent System – Cars optioned with advanced anti-theft systems can help prevent theft so companies will give you a small discount.
  • Use Seat Belts – Requiring all passengers to use a seat belt could save 15% off the personal injury premium cost.
  • Mature Driver Discount – Drivers that qualify as senior citizens may qualify for a discount up to 10% for Trax insurance.
  • Paperless Signup – Some of the larger companies give back up to $50 for signing up on the internet.
  • Discount for Switching Early – A few auto insurance companies give discounts for renewing your policy before your current expiration date. You can save around 10% with this discount.
  • College Student Discount – Kids who live away from home to go to college and do not have access to a covered vehicle may qualify for this discount.
  • No Charge for an Accident – This isn’t a discount exactly, but a few companies such as State Farm and Allstate permit an accident without raising rates as long as you don’t have any claims prior to being involved in the accident.
  • Drive Less and Save – Driving less can qualify you for lower prices due to less chance of an accident.
  • Air Bag Discount – Factory options such as air bags may earn rate discounts of up to 25% or more.

As a footnote on discounts, most credits do not apply to the entire policy premium. Most only cut the cost of specific coverages such as collision or personal injury protection. So even though it sounds like it’s possible to get free car insurance, company stockholders wouldn’t be very happy.

Larger auto insurance companies and some of the discounts are shown below.

  • Esurance includes discounts for multi-car, online shopper, anti-theft, renters, and good student.
  • The Hartford may include discounts for anti-theft, driver training, bundle, vehicle fuel type, good student, defensive driver, and air bag.
  • AAA discounts include pay-in-full, multi-car, education and occupation, good driver, multi-policy, good student, and AAA membership discount.
  • GEICO policyholders can earn discounts including multi-policy, five-year accident-free, driver training, multi-vehicle, anti-theft, and membership and employees.
  • State Farm may offer discounts for good driver, Steer Clear safe driver discount, driver’s education, multiple autos, safe vehicle, and multiple policy.

When comparing rates, check with all companies you are considering the best way to save money. Discounts may not be offered in every state.

When to get professional advice

When buying the right insurance coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For instance, these questions may help highlight whether or not you might need an agent’s assistance.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • What if I owe more than I can insure my car for?
  • Are my friends covered when driving my 2019 Chevy Trax?
  • How can I force my company to pay a claim?
  • Is my 2019 Chevy Trax covered for flood damage?
  • Are rock chip repairs covered?
  • What is UM/UIM insurance?
  • Should I buy full coverage?
  • Why do I only qualify for high-risk insurance?
  • Can my teen driver be rated on a liability-only vehicle?

If you don’t know the answers to these questions but a few of them apply, then you may want to think about talking to an insurance agent. If you want to speak to an agent in your area, complete your zip code.

Car insurance coverage options for a 2019 Chevy Trax

Understanding the coverages of your policy can be of help when determining the right coverages for your vehicles. Car insurance terms can be difficult to understand and coverage can change by endorsement. Shown next are the normal coverages found on the average car insurance policy.

Liability coverages – Liability coverage provides protection from damage or injury you incur to other people or property by causing an accident. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged property.

Liability can pay for claims such as repair bills for other people’s vehicles, bail bonds and funeral expenses. How much coverage you buy is a decision to put some thought into, but consider buying higher limits if possible.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like nursing services, ambulance fees, rehabilitation expenses, dental work and prosthetic devices. They are often used in conjunction with a health insurance program or if you lack health insurance entirely. It covers both the driver and occupants and will also cover any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

UM/UIM (Uninsured/Underinsured Motorist) coverage – This gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Trax.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is important protection for you and your family.

Collision coverages – This covers damage to your Trax caused by collision with another car or object. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sustaining damage from a pot hole, rolling your car, damaging your car on a curb, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive auto coverage – This pays to fix your vehicle from 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 things such as damage from getting keyed, theft, a broken windshield, hail damage and fire damage. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Have the Midas touch

You just read many ways to shop for 2019 Chevy Trax insurance online. It’s most important to understand that the more rate comparisons you have, the higher your chance of finding the cheapest auto insurance. You may even discover the lowest prices come from the least-expected company. Regional companies may have significantly lower rates on certain market segments than the large multi-state companies such as Progressive and GEICO.

When trying to cut insurance costs, it’s not a good idea to reduce needed coverages to save money. In too many instances, an accident victim reduced comprehensive coverage or liability limits only to discover later that the savings was not a smart move. Your objective should be to purchase plenty of coverage at an affordable rate.

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