Save Money on Chevy Traverse Insurance in Atlanta

How many times have you put off comparing quotes for the cheapest Chevy Traverse insurance in Atlanta? High-priced Chevrolet Traverse insurance in Atlanta can empty your personal savings and force you to make tough financial choices. Doing a price comparison is free and is an excellent way to lower your monthly bill.

Shocking but true, most insurance policyholders in Georgia kept their policy with the same company for a minimum of four years, and approximately 40% of consumers have never compared rates with other companies. Drivers in America could save as much as $860 a year, but they underestimate how much they could save if they switched to a cheaper policy.

You have so many car insurance companies to purchase coverage from, and although it’s a good thing to have a selection, more choices can make it harder to find the best rates for Chevy Traverse insurance in Atlanta.

Choosing the best rates in Atlanta is actually not that difficult if you follow our advice. If you have coverage now, you will most likely be able to cut your premiums using the ideas presented in this article. But Georgia car owners must comprehend how the larger insurance companies set your policy premium.

To find the best insurance rates, there are several ways of comparing price quotes from many different Georgia insurance companies. The simplest method to lower the rate you pay for Chevy Traverse insurance involves getting comparison quotes online.

Comparing price quotes online is fast and free, and it makes it a waste of time to actually drive to each insurance agency near you. Buying insurance online eliminates the middleman unless your situation requires the advice and guidance that only a licensed agent can provide. However, consumers can compare the best prices online and still use a local agent.

Keep in mind that comparing more prices gives you a better chance of getting the best price. Some smaller insurers do not give Atlanta Traverse insurance quotes over the internet, so you should also compare quotes from them as well.

The companies in the list below offer free quotes in Atlanta, GA. If multiple companies are shown, it’s highly recommended you compare several of them to find the cheapest auto insurance rates.

Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rates do not factor in the specific area where the vehicle is garaged which can change coverage rates considerably.

Full coverage or liability only

The diagram below shows the comparison of Chevrolet Traverse auto insurance costs with liability coverage only compared to full coverage. The price estimates are based on no accidents or driving violations, $500 deductibles, married male driver, and no discounts are factored in.

Guidelines for eliminating full coverage

There is no definitive rule to delete physical damage coverage on your policy, but there is a guideline you can consider. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then you might want to consider buying only liability coverage.

For example, let’s assume your Chevrolet Traverse replacement value is $8,000 and you have $1,000 deductibles. If your vehicle is damaged in an accident, the most your company would pay you is $7,000 after you pay the deductible. If you are currently paying more than $700 a year for comprehensive and collision coverage, then you may need to consider dropping full coverage.

There are some cases where buying only liability insurance is not a good idea. If you still have a lienholder on your title, you have to keep full coverage as part of the loan conditions. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should keep full coverage.

How accidents and tickets impact rates

The example below highlights how speeding tickets and at-fault collisions can drive up Chevrolet Traverse auto insurance rates for each age group. The premiums assume a single male driver, full physical damage coverage, $100 deductibles, and no other discounts are factored in.

Rate comparison for different deductibles

When shopping for car insurance, a common question is the level to set your comp and collision deductibles. The figures shown below help summarize the rate difference between low and high policy deductibles. The first set of prices uses a $250 physical damage deductible and the second price table uses a $500 deductible.

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, homeowner, and safe-driver. Price information does not factor in Atlanta location which can change coverage rates significantly.

We can derive from the above data that using a $250 deductible costs approximately $15 more each month or $180 every year than selecting the higher $500 deductible. Since you would have to pay $250 more if you file a claim with a $500 deductible as compared to a $250 deductible, if you go at a minimum 17 months between claim filings, you would more than likely save some money going with the higher deductible.

Save money on Chevy Traverse insurance in Atlanta with these insurance discounts

Insurance can be prohibitively expensive, but there could be available discounts that you may not even be aware of. Some of these discounts will be visible when you quote, but a few must be requested specifically before you get the savings.

• Drivers Education – Make teen driver coverage more affordable by requiring them to participate in a local driver’s education class as it can save substantially.
• Good Student Discount – Maintaining excellent grades may save as much as 25% on a Atlanta car insurance quote. You can use this discount normally up until you turn 25.
• One Accident Forgiven – This one is not really a discount per se, but some companies like GEICO, Allstate and Liberty Mutual may permit one accident without getting socked with a rate hike as long as you don’t have any claims prior to the accident.
• Bundled Policy Discount – If you combine your auto and homeowners policies and insure them with the same company you may save 10% to 20% off each policy.
• Life Insurance Discount – Not every insurance company offers life insurance, but if they do you may earn lower premium rates if you buy some life insurance in addition to your auto policy.

It’s important to understand that most discounts do not apply to the entire policy premium. Most only cut the price of certain insurance coverages like liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, that’s just not realistic. Any amount of discount will cut your premiums.

Larger insurance companies and a partial list of their discounts are included below.

• AAA offers discounts including pay-in-full, multi-policy, good driver, anti-theft, education and occupation, good student, and AAA membership discount.
• Progressive offers premium reductions for multi-vehicle, good student, homeowner, online quote discount, continuous coverage, online signing, and multi-policy.
• State Farm policyholders can earn discounts including accident-free, multiple policy, Drive Safe & Save, Steer Clear safe driver discount, good student, and passive restraint.
• Esurance has discounts for good student, homeowner, defensive driver, multi-car, multi-policy, and good driver.
• Nationwide may have discounts that include good student, family plan, easy pay, business or organization, and Farm Bureau membership.

When quoting, ask each company or agent how many discounts you can get. All car insurance discounts may not apply in every state. To find insurers who offer discounts in Atlanta, click this link.

Smart Consumers Know How to Get Insurance More Affordably

It’s important that you understand the rating factors that go into determining insurance rates. If you have a feel for what controls the rates you pay, this helps enable you to make changes that will entitle you to much lower annual insurance costs.

• Lower performance equals lower insurance rates – The performance of the vehicle you are insuring makes a substantial difference in how high your rates are. The lowest premiums will generally be found on lower performance four cylinder passenger vehicles, but many other things help determine your insurance rates. Due to the fact that the Chevrolet Traverse is a crossover, insuring your vehicle will cost slightly more than the average rate where you live in Atlanta.
• Low comp and collision deductibles cost more – Protection for physical damage, aka comp and collision, protects your Chevy from damage. Examples of some claims that would be covered would be a broken windshield, hitting a deer, or theft. The deductibles you choose tell how much you are required to spend out-of-pocket if a covered claim is submitted. The higher the amount the insured is willing to pay, the better rate you will receive.
• Add-on coverages that may not be needed – There are a lot of additional extra coverages that can waste your money if you aren’t diligent. Coverages for vanishing deductibles, better glass coverage, and term life insurance are examples of these. They may sound like good ideas initially, but your needs may have changed so remove them from your policy.
• Your liability coverage limits – Liability coverage is the protection if ever you are found to be at fault for damages caused by your negligence. It will provide for a legal defense up to the limits shown on your policy. Liability insurance is quite affordable compared to physical damage coverage, so drivers should buy more than the minimum limits required by law.
• High credit scores equal low rates – Having a bad credit history can be an important factor in your rate calculation. Insureds that have excellent credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit scores. If your credit score is lower than you’d like, you could pay less to insure your Chevrolet Traverse by spending a little time repairing your credit.
• Men pay more for insurance – Over the last 30 years, statistics show that women are safer drivers than men. However, don’t assume that women are BETTER drivers than men. Men and women have at-fault accidents at about the same rate, but men have accidents that have higher claims. Men also receive more major tickets such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers are the most expensive to insure and are penalized with high insurance rates.
• Driving citations hurt – Good drivers receive lower rates than people who have multiple driving citations. Even one ticket can boost insurance rates twenty percent or more. Drivers who have gotten multiple violations such as DUI or willful reckless driving may find they need to prove financial responsibility with their state’s department of motor vehicles in order to keep their license.
• Chevy Traverse insurance loss statistics – Insurance companies use data from past claims when they calculate premium rates for each model. Vehicles that tend to have a trend towards higher claims will have a higher premium rate.

  The table below illustrates the insurance loss data for Chevy Traverse vehicles. For each type of coverage, the statistical loss for all vehicles averaged together is represented as 100. Numbers that are below 100 suggest a positive loss record, while percentage numbers above 100 indicate a higher chance of having a claim or a tendency for losses to be larger than average.

  Chevrolet Traverse Insurance Claim Statistics

  Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Chevrolet Traverse 4dr 2WD	75	101	72	93	90	90
  Chevrolet Traverse 4dr 4WD	72	91	82	78	76	78

  BETTER

  AVERAGE

  WORSE

  Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

When should I get advice from an insurance agent?

Many people just prefer to buy from a local agent and that can be a smart move One of the great benefits of comparing rates online is the fact that you can find better rates but also keep your business local.

For easy comparison, once you complete this quick form, your coverage information is sent to participating agents in Atlanta who will give competitive quotes for your coverage. It makes it easy because there is no need to drive around since price quotes are sent to you instantly. You can most likely find cheaper rates and an insurance agent to talk to. If you wish to compare rates from a specific insurance company, feel free to find their quoting web page and fill out the quote form the provide.

Finding the right provider needs to be determined by more than just a cheap quote. These are valid questions to ask:

• When do they do a full risk review?
• How long has their agency been in business in Atlanta?
• Are they involved in claim handling?
• Do they have advanced training designations such as CPCU, AAI, AIC, or CIC?
• Is assistance available after office hours?
• Do you work with a CSR or direct with the agent?
• Do they prorate repair cost based on vehicle mileage?
• Can you choose the body shop in case repairs are needed?

Special considerations

When selecting a policy for your vehicles, there is no perfect coverage plan. Everyone’s situation is unique so your insurance needs to address that.
These are some specific questions can aid in determining if your insurance needs will benefit from professional help.

• Can I cancel at any time?
• When should I not buy collision coverage?
• What are good deductibles for a Chevy Traverse?
• What states are considered no-fault?
• Is there coverage for my trailer?
• How do I insure my teen driver?
• When should I have rental car coverage?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Is there deception in advertising?

Popular insurance providers such as State Farm, GEICO and Progressive constantly bombard you with television and radio advertisements. All the companies seem to make the promise that you’ll save big if you move your policy. How is it plausible that every one can charge you less for car insurance? You have to listen carefully.

Most companies have strict underwriting profiles for a prospective insured that will add to their bottom line. For example, a profitable risk profile may need to be over the age of 40, is a homeowner, and chooses high deductibles. A propective insured who fits that profile will qualify for the lowest prices in Atlanta and will also save money with a new company.

Potential customers who do not fit these stringent criteria must pay a more expensive rate which usually ends up with the customer not purchasing. The trick is to say “customers that switch” not “all people who quote” will save that much if they switch. That’s why insurance companies can make the claims of big savings. Because of these techniques, it’s extremely important to get Atlanta car insurance quotes from several different companies. It is impossible to predict which company will fit you best based on your risk profile.

Don’t give up on cheaper coverage

You just learned a lot of techniques to compare Chevy Traverse insurance prices in Atlanta. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers could even find that the lowest priced car insurance comes from the smaller companies. These companies can often provide lower rates in certain areas compared to the large companies like Allstate and Progressive.

Cheaper car insurance in Atlanta is possible on the web and with local Atlanta insurance agents, and you need to comparison shop both to have the best chance of lowering rates. A few companies may not provide internet price quotes and many times these small, regional companies provide coverage only through independent agents.

For more information, take a look at the resources below:

• How to Avoid Common Accidents (State Farm)
• Who Has the Cheapest Car Insurance Quotes for Young Drivers in Atlanta? (FAQ)
• Who Has Cheap Auto Insurance Rates for Drivers Over Age 60 in Atlanta? (FAQ)
• Who Has Affordable Atlanta Auto Insurance for a Honda Civic? (FAQ)
• Smart Auto Insurance Tips (Insurance Information Institute)
• Choosing a Car for Your Teen (State Farm)
• Preventing Carjacking and Theft (Insurance Information Institute)
• If I File a Claim will My Insurance Go Up? (Insurance Information Institute)