2023 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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No one likes paying for car insurance, especially when it costs too dang much.

Many insurance companies vie to insure your vehicles, so it’s not easy to compare every insurer and uncover the absolute lowest price

Drivers can save with these discounts

Car insurance is not cheap nor is it fun to buy but you might already qualify for some discounts that you may not even be aware of. Many of these discounts will be applied automatically at the time of quoting, but a few must be specifically requested prior to receiving the credit.

  • Braking Control Discount – Cars and trucks that have steering control and anti-lock brakes can stop better under adverse conditions and therefore earn up to a 10% discount.
  • Auto/Life Discount – Insurance carriers who offer life insurance give a small discount if you purchase some life insurance in addition to your auto policy.
  • Accident Waiver – This isn’t a discount exactly, but certain companies permit an accident before hitting you with a surcharge if your claims history is clear for a set time period.
  • Active Service Discounts – Having an actively deployed family member could qualify you for better prices.
  • More Vehicles More Savings – Drivers who insure primary and secondary vehicles on one policy may reduce the rate for each vehicle.
  • Distant College Student Discount – Kids who are enrolled in a college that is more than 100 miles from home and do not have a car could qualify for this discount.
  • Claim-Free Discount – Good drivers with no accidents get the best car insurance rates as compared to bad drivers.
  • Onboard Data Collection – Drivers who elect to allow their car insurance company to spy on their driving habits remotely such as Progressive’s Snapshot and State Farm’s In-Drive could see a rate decrease if they show good driving skills.
  • Low Mileage Discounts – Fewer annual miles on your Chevy may allow you to get better prices on cars that stay parked.
  • Clubs and Organizations – Being a member of qualifying clubs or civic groups can get you a small discount when getting a car insurance quote.

Don’t be surprised that many deductions do not apply to all coverage premiums. The majority will only reduce individual premiums such as liability, collision or medical payments. So despite the fact that it appears it’s possible to get free car insurance, insurance companies wouldn’t stay in business.

If you would like to see a list of insurers that provide some of the discounts listed above, enter your zip code here.

Informed consumers save on insurance

It’s important that you understand the rating factors that help calculate your premiums. If you have a feel for what positively or negatively impacts your premiums, this empowers consumers to make smart changes that can earn you cheaper rates.

  • Vehicle features that cut premiums – Buying a car that has a built-in theft deterrent system can help bring down rates. Theft prevention devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all aid in stopping your car from being stolen.
  • Low credit rating equals high prices – Having a bad credit rating can be an important factor in calculating your premium rate. So if your credit is low, you could be paying less to insure your 2023 Chevrolet Trax by improving your rating. Drivers who have very good credit scores tend to file fewer claims than drivers who have bad credit.
  • Pay more of a claim out-of-pocket – Comp and collision deductibles represent how much money the insured will be required to pay if you file a covered claim. Protection for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. Some coverage claims are colliding with a stationary object, collision with a deer, and damage caused by road hazards. The more money the insured is willing to pay, the less money you will pay for insurance for Trax insurance.
  • Traffic violations hurt – How you drive can have a huge impact on auto insurance premiums. Even one moving violation may cause rates to rise twenty percent or more. Careful drivers pay less for auto insurance compared to bad drivers. Drivers with multiple citations like DWI, reckless driving or hit and run convictions are required to complete a SR-22 with the DMV in their state in order to legally drive.
  • Drive a safer car and pay less – Vehicles with high crash test scores are cheaper to insure. The safest vehicles reduce injuries and fewer serious injuries means lower claim amounts and cheaper rates on your policy.
  • Insure car and home with the same company – Lots of insurance companies apply discounts to people that buy multiple policies such as combining an auto and homeowners policy. Discounts can be ten percent or more. Even with this discount, you still need to check prices from other companies to help ensure you have the lowest rates.
  • Annual miles is a factor – The more miles you rack up on your Chevy in a year the higher your rates will be. Many insurance companies price each vehicle’s coverage based on how the vehicle is used. Vehicles that have low annual miles receive better premium rates than those used for commuting. It’s always a good idea to double check that your vehicle rating states the correct driver usage. Having the wrong rating on your Trax is just wasting money.
  • File a claims and pay more – Car insurance companies provide most affordable rates to drivers that do not abuse their auto insurance. If you are a frequent claim filer, you can definitely plan on either a policy non-renewal or much higher rates. Your insurance policy is intended to be relied upon for major claims that would cause financial hardship.

Special considerations

When it comes to buying proper insurance coverage for your vehicles, there really is no cookie cutter policy. Every situation is different and your policy should reflect that. These are some specific questions can aid in determining whether your personal situation might need professional guidance.

  • Am I missing any policy discounts?
  • Do I have any recourse if my insurance company denies a claim?
  • What happens if I owe more than my 2023 Chevy Trax is worth?
  • Why am I required to get a high-risk car insurance policy?
  • When can my company non-renew my policy?
  • What is PIP insurance?
  • Does my liability insurance cover pulling a trailer or camper?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, complete your zip code.

Switch companies and save? Really?

Well-known auto insurance companies like State Farm, Allstate and GEICO endlessly run ads in print and on television. All the companies say the same thing that drivers will save a bundle after switching to their company. How is it possible that every company can charge lower premium rates? This is the trick they use.

Many companies quote the lowest rates for the type of customer that earns them the highest profit. For instance, a profitable insured may be over the age of 40, owns a home, and has a short commute. A driver who fits those characteristics receives the best premium rates and is almost guaranteed to save a lot of money.

Potential customers who don’t meet this stringent profile will probably be forced to pay more expensive rates and this can result in business going elsewhere. The ads state “people who switch” but not “everyone who gets a quote” can get the lowest rates when switching. This is how insurance companies can confidently lure you into getting a quote. That is why you really should get car insurance quotes from several different companies. Because you never know which insurance companies will have the best premium rates for your profile.

Insurance policy specifics

Having a good grasp of insurance aids in choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverage types found on the average insurance policy.

Insurance for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for expenses like nursing services, EMT expenses and doctor visits. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Comprehensive coverage (or Other than Collision) – This will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things such as hitting a deer, a broken windshield, fire damage, theft and hail damage. The maximum payout you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverages – Collision insurance covers damage to your Trax caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for claims such as colliding with another moving vehicle, sideswiping another vehicle, hitting a parking meter, crashing into a ditch and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to bring the cost down.

Liability coverages – Liability insurance can cover damage or injury you incur to a person or their property by causing an accident. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 25/50/25 which means $25,000 in coverage for each person’s injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers things like legal defense fees, structural damage, emergency aid and medical services. How much coverage you buy is up to you, but buy as much as you can afford.

Uninsured Motorist or Underinsured Motorist insurance – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. Covered losses include injuries to you and your family and also any damage incurred to your 2023 Chevy Trax.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Smart shoppers get results

Affordable 2023 Chevy Trax insurance can be sourced from both online companies and with local insurance agents, so you should be comparing quotes from both to have the best selection. Some insurance companies do not offer online rate quotes and these smaller providers only sell coverage through independent agencies.

When you buy car insurance online, never reduce coverage to reduce premium. There are a lot of situations where drivers have reduced full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your focus should be to buy a smart amount of coverage for the lowest cost, but do not sacrifice coverage to save money.

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