View 2020 Chevrolet Traverse 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: Apr 7, 2024

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Have you had enough of wondering where the money will come from to insure your Chevy every month? You are no different than many other drivers.

Popular companies such as Allstate and Progressive promote their brand names with ad campaigns and consumers find it hard to ignore the flashy ads and do the work needed to find the best deal.

You need to shop coverage around on a regular basis since insurance prices go up and down regularly. Despite the fact that you may have had the best deal for Traverse insurance two years ago you will most likely find a better rate quote today. Forget all the misinformation about insurance because I’m going to let you in on the secrets to how to use online quotes to find great coverage at a great price.

If you currently have car insurance, you stand a good chance to be able to lower your premiums substantially using these techniques. Buying car insurance is not rocket science. But car owners can benefit by having an understanding of the way companies sell insurance online and apply this information to your search.

Do you qualify for discount auto insurance?

Some companies don’t list their entire list of discounts in an easy-to-find place, so the following list contains a few of the more well known as well as some of the hidden discounts that you may qualify for.

  • Early Renewal Discounts – Select companies give a discount for switching to them prior to your current policy expiration. The savings is around 10%.
  • No Charge for an Accident – Not a discount per se, but some insurance companies allow you one accident without raising rates if you are claim-free prior to being involved in the accident.
  • Drive Safe and Save – Accident-free drivers can save as much as half off their rates for Traverse insurance than drivers with accidents.
  • Home Ownership Discount – Just owning your own home may earn you a small savings since owning and maintaining a home requires a higher level of personal finance.
  • Good Students Pay Less – A discount for being a good student may save as much as 25% on a insurance quote. The discount lasts until age 25.
  • Low Miles Discount – Keeping the miles down on your Chevy can qualify you for slightly better premium rates than normal.
  • Telematics Data Discounts – Insureds that choose to allow driving data collection to scrutinize driving habits remotely like Drivewise from Allstate or In-Drive from State Farm could save a few bucks as long as the data is positive.

You should keep in mind that some credits don’t apply to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So even though you would think having all the discounts means you get insurance for free, you’re out of luck.

A list of companies and their offered discounts can be found below.

  • State Farm has savings for Steer Clear safe driver discount, good student, driver’s education, defensive driving training, anti-theft, and good driver.
  • American Family offers discounts for bundled insurance, multi-vehicle, accident-free, TimeAway discount, and air bags.
  • GEICO offers discounts including five-year accident-free, military active duty, membership and employees, good student, multi-vehicle, emergency military deployment, and multi-policy.
  • 21st Century discounts include theft prevention, driver training, defensive driver, air bags, teen driver, and early bird.
  • Progressive policyholders can earn discounts including homeowner, multi-policy, online signing, good student, multi-vehicle, online quote discount, and continuous coverage.

If you want inexpensive insurance quotes, ask each company or agent to apply every possible discount. Some credits might not be offered on policies in your area. To view companies that offer many of these discounts, enter your zip code here.

What insurance coverages do I need?

When it comes to buying the right insurance coverage, there is no “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that might point out if your insurance needs would benefit from professional advice.

  • Am I covered when driving in Canada or Mexico?
  • Am I covered if I drive in a foreign country?
  • Am I covered if I hit my neighbor’s mailbox?
  • What if I total my 2020 Chevy Traverse and owe more than it’s worth?
  • Do I need PIP coverage since I have good health insurance?
  • Does car insurance cover theft of personal property?
  • Do I have coverage for damage caused while driving under the influence?
  • Do I really need UM/UIM coverage?

If you don’t know the answers to these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, complete your zip code.

Coverages available on your insurance policy

Understanding the coverages of your policy helps when choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. These are typical coverage types available from insurance companies.

Collision coverage protection

Collision coverage will pay to fix damage to your Traverse resulting from a collision with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as backing into a parked car, hitting a parking meter, sideswiping another vehicle, driving through your garage door and hitting a mailbox. This coverage can be expensive, so analyze the benefit of dropping coverage from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance

Liability insurance provides protection from injuries or damage you cause to other people or property. It protects YOU from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which means a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things like structural damage, medical expenses, emergency aid, court costs and funeral expenses. How much liability coverage do you need? That is a decision to put some thought into, but you should buy higher limits if possible.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for short-term medical expenses for ambulance fees, hospital visits, chiropractic care and pain medications. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries and also any damage incurred to your Chevy Traverse.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Comprehensive coverage (or Other than Collision)

This coverage pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as hitting a bird, theft, rock chips in glass and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the cash value of the vehicle, 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 a lot of ways to compare 2020 Chevy Traverse insurance car insurance rates online. The most important thing to understand is the more rate quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest car insurance rates come from a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give getter rates than their larger competitors like Allstate, GEICO and Progressive.

Some insurance companies don’t offer internet price quotes and these smaller providers only sell through independent agents. Affordable 2020 Chevy Traverse insurance is available from both online companies as well as from independent agents, so you should compare both to get a complete price analysis.

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