Save Money on Chevy Traverse Insurance in Chula Vista

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Chevy Traverse insurance cost
Chevy Traverse insurance cost image courtesy of QuoteInspector.com

Are you sick of overpaying and want cheaper Chevy Traverse insurance in Chula Vista? Finding better insurance prices for a new or used Chevy Traverse in California can turn out to be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to compare car insurance rates and we'll show you the proper way to get price quotes for a new or used Chevy and locate the best price possible either online or from Chula Vista insurance agents.

Insurance for Chevy TraverseIt's safe to assume that car insurance companies want to keep you from comparing prices. Consumers who shop around annually are inclined to switch car insurance companies because the odds are good of finding a lower-cost company. A survey found that consumers who shopped around annually saved as much as $3,500 over four years compared to drivers who never shopped around for lower prices.

If finding the lowest price for Chevy Traverse insurance in Chula Vista is your objective, then learning a little about how to shop and compare insurance rates can make the process more efficient.

It's important to compare premium rates every six months due to the fact that insurance rates fluctuate regularly. Just because you had the best rate on Chevy Traverse insurance in Chula Vista on your last policy there is a good chance you can find better prices now. Forget anything you know (or think you know) about car insurance because I'm going to let you in on the secrets to one of the quickest ways to properly buy coverages while reducing your premium.

Lower the Price of Car Insurance with These Tips

Lots of factors are part of the calculation when you get a price on insurance. A few of the factors are predictable like a motor vehicle report, although some other factors are more obscure such as whether you are married or your financial responsibility. It's important that you understand a few of the rating criteria that come into play when calculating the price you pay for car insurance. If you understand what determines premiums, this allows you to make good choices that may reward you with cheaper rates.

Drive less and save - The more miles you rack up on your Chevy in a year the higher your rate. A lot of insurance companies rate vehicles determined by how the vehicle is used. Cars and trucks used primarily for pleasure use can get a lower rate compared to those used for work or business. It's a good idea to make sure your vehicle rating reflects how each vehicle is driven. Improper usage on your Traverse is throwing money out the window.

Low deductibles can be expensive - Insurance for physical damage, also known as collision and other-than-collision, covers your vehicle from damage. Examples of some claims that would be covered are a windshield shattered by a rock, vandalism, and damage from a fallen tree branch. The deductibles you choose tell how much the insured will be required to pay if a covered claim is submitted. The higher the amount you're willing to pay, the less money you will pay for car insurance.

Vehicle features impact prices - Purchasing a vehicle that has a built-in theft deterrent system can earn a premium discount. Theft deterrent systems like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your vehicle from being stolen.

Getting married can lower premiums - Getting married can actually save you money when buying car insurance. Having a spouse means you're more mature and responsible it has been statistically shown that married couples file fewer claims.

Insurance loss data for a Chevy Traverse - Insurers use claims history to determine a price that will be profitable for them. Vehicles that statistically have higher frequency or amount of claims will have higher rates.

The table below demonstrates the collected loss data for Chevy Traverse vehicles. For each coverage type, the loss probability for all vehicles compiled together is equal to 100. Values that are 100 or less suggest losses that are better than average, while values over 100 indicate more frequent losses or a tendency for claims to be larger.

Auto Insurance Loss Data for Chevrolet Traverse Models
Vehicle 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

Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

Chevy Traverse insurance analysis

The coverage table displayed below covers detailed analysis of insurance coverage prices for Chevy Traverse models. Having insight into how rates are determined is important for you to make decisions when choosing a new policy provider.

Chevrolet Traverse Insurance Rates in Chula Vista, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Traverse LS 2WD $326 $554 $394 $24 $118 $1,416 $118
Traverse LS AWD $370 $554 $394 $24 $118 $1,460 $122
Traverse LT 2WD $370 $554 $394 $24 $118 $1,460 $122
Traverse LT AWD $370 $672 $394 $24 $118 $1,578 $132
Traverse LTZ 2WD $370 $672 $394 $24 $118 $1,578 $132
Traverse LTZ AWD $370 $672 $394 $24 $118 $1,578 $132
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Premium data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Table data does not factor in your specific Chula Vista location which can lower or raise insurance rates substantially.

Where to set your deductibles

When comparing car insurance rates, the most common question is where should you set your physical damage deductibles. The data tables below show the rate difference when you select higher and lower physical damage coverage deductibles. The first rate quote example uses a $250 physical damage coverage deductible and the second rate table uses a $500 deductible.

Chevrolet Traverse insurance premium estimates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Traverse LS 2WD $342 $472 $376 $22 $112 $1,349 $112
Traverse LS AWD $386 $472 $376 $22 $112 $1,393 $116
Traverse LT 2WD $386 $472 $376 $22 $112 $1,393 $116
Traverse LT AWD $386 $576 $376 $22 $112 $1,497 $125
Traverse LTZ 2WD $386 $576 $376 $22 $112 $1,497 $125
Traverse LTZ AWD $386 $576 $376 $22 $112 $1,497 $125
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Chevrolet Traverse insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Traverse LS 2WD $278 $382 $376 $22 $112 $1,170 $98
Traverse LS AWD $314 $382 $376 $22 $112 $1,206 $101
Traverse LT 2WD $314 $382 $376 $22 $112 $1,206 $101
Traverse LT AWD $314 $464 $376 $22 $112 $1,288 $107
Traverse LTZ 2WD $314 $464 $376 $22 $112 $1,288 $107
Traverse LTZ AWD $314 $464 $376 $22 $112 $1,288 $107
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, multi-vehicle, claim-free, and homeowner. Rates do not factor in garaging location in Chula Vista which can impact coverage rates substantially.

Using the premium rates above, we can conclude that using a $250 deductible could cost the average driver approximately $16 more each month or $192 annually than quoting the higher $500 deductible. Because you would be required to pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally go more than 16 months between claims, you would save money by going with a higher deductible.

Careless driving habits raise Chula Vista car insurance rates

The diagram below shows how speeding tickets and at-fault fender-benders increase Chevy Traverse auto insurance costs for different ages of insureds. The price estimates are based on a single male driver, full coverage, $1,000 deductibles, and no additional discounts are factored in.

Earn discounts on Chula Vista car insurance

Car insurance is not cheap nor is it fun to buy but there's a good chance there are discounts to cut the cost considerably. Many discounts should be triggered at the time of quoting, but some may not be applied and must be inquired about before being credited.Car insurance discounts

  • Multi-car Discount - Buying a policy with more than one vehicle on a single policy can get a discount for every vehicle.
  • Employee of Federal Government - Active or former government employment can earn a discount up to 10% with certain companies.
  • Good Student Discount - This discount may save you up to 25%. The good student discount can last until age 25.
  • Student Discount for Driver Training - Reduce the cost of insurance for teen drivers by having them take driver's ed class in school.
  • Save with a New Car - Buying a new car instead of a used Traverse can cost up to 25% less because new vehicles are generally safer.
  • Multi-policy Discount - If you insure your home and vehicles and place coverage with the same company you could get a discount of approximately 10% to 15%.
  • Discount for Low Mileage - Low mileage vehicles could be rewarded with cheaper rates.
  • Accident Forgiveness - This one is not really a discount per se, but companies like State Farm and Allstate may permit one accident before raising your premiums with the catch being you have to be claim-free prior to the accident.

Don't be surprised that most discounts do not apply to the whole policy. The majority will only reduce individual premiums such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, companies don't profit that way.

The illustration below illustrates the comparison of Chevy Traverse car insurance costs with and without discounts applied to the policy premium. The costs are based on a male driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, claim-free, multi-policy, marriage, homeowner, and safe-driver discounts applied.

A few popular companies and some of the discounts are shown below.

  • Progressive offers premium reductions for online signing, continuous coverage, homeowner, good student, multi-policy, multi-vehicle, and online quote discount.
  • AAA includes discounts for multi-policy, AAA membership discount, good driver, good student, multi-car, pay-in-full, and education and occupation.
  • Farmers Insurance offers discounts including homeowner, mature driver, alternative fuel, business and professional, early shopping, bundle discounts, and switch companies.
  • GEICO has savings for seat belt use, anti-theft, military active duty, emergency military deployment, membership and employees, air bags, and multi-vehicle.
  • Esurance may include discounts for online quote, online shopper, renters, good driver, and DriveSense.
  • SAFECO has discounts for bundle discounts, anti-theft, teen safety rewards, drive less, safe driver, homeowner, and accident prevention training.
  • State Farm discounts include good student, safe vehicle, Drive Safe & Save, accident-free, and passive restraint.

Before you buy a policy, ask all the companies to apply every possible discount. Discounts may not be offered in your state. To choose providers with significant discounts in Chula Vista, click this link.

What is the best auto insurance company in California?

Insuring your vehicle with the right car insurance provider can be challenging considering how many choices you have in California. The ranking information listed below can help you select which companies you want to consider putting your business with.

Top 10 Chula Vista Car Insurance Companies Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

Affordable car insurance premiums are possible

Insureds change insurance companies for a number of reasons such as delays in paying claims, denial of a claim, lack of trust in their agent and even poor customer service. Whatever your reason, finding a new company is pretty simple and you could end up saving a buck or two.

Cheaper Chevy Traverse insurance in Chula Vista is possible on the web and also from your neighborhood Chula Vista agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers do not provide internet price quotes and many times these small, regional companies only sell through independent agents.

When trying to cut insurance costs, it's not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where someone sacrificed comprehensive coverage or liability limits and learned later that they should have had better coverage. Your goal should be to get the best coverage possible at an affordable rate while still protecting your assets.

Steps to buying cheaper Chevy Traverse insurance in Chula Vista

The best way to get affordable Chevy Traverse insurance in Chula Vista is to regularly compare quotes from different companies who sell auto insurance in California.

  • Step 1: Try to comprehend coverages and the changes you can make to drop your rates. Many policy risk factors that increase rates such as high-risk driving behaviors and an unacceptable credit score can be remedied by making small lifestyle or driving habit changes.
  • Step 2: Obtain price quotes from direct, independent, and exclusive agents. Direct and exclusive agents can give quotes from one company like Progressive and State Farm, while independent agents can provide rate quotes for a wide range of companies. Compare rates
  • Step 3: Compare the new rates to your current policy premium and see if you can save money. If you can save some money and switch companies, ensure there is no coverage lapse between policies.

A valuable tip to remember is that you'll want to compare the same deductibles and limits on every quote and to quote with as many companies as you can. This helps ensure a level playing field and a better comparison of the market.

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