2017 Chevrolet Trax Car Insurance Rates

If price shopping insurance coverage quotes online is new to you, most likely you are baffled by the sheer number of car insurance companies all claiming to have the lowest rates.

Find hidden discounts on insurance coverage

Insurance coverage is expensive, but companies offer discounts that can drop the cost substantially. Some of these disounts will be visible when you complete an application, but some must be requested specifically in order for you to get them. If you’re not getting every credit available, you are paying more than you should be.

• Seat Belts Save – Drivers who require all occupants to fasten their seat belts could save 15% on the medical payments or PIP coverage costs.
• Defensive Driving Course – Taking part in a defensive driver course could possibly earn you a 5% discount and easily pay for the cost of the class.
• Multiple Vehicles – Purchasing coverage when you have all your vehicles on a single policy could earn a price break for each car.
• Club Memberships – Having an affiliation with specific professional or occupational memberships or organizations can get you a small discount when shopping for insurance coverage.
• Discount for Home Ownership – Just owning your own home may earn you a small savings since owning and maintaining a home is proof that your finances are in order.
• Paperwork-free – Certain companies provide a small discount shop insurance coverage online.
• ABS Brakes – Cars with ABS braking systems or traction control can stop better under adverse conditions and qualify for as much as a 10% discount.
• Senior Citizens – If you’re over the age of 55, you could receive a small decrease in premiums on Trax insurance.
• Early Signing – Some companies provide a discount for switching policies prior to your current policy expiring. It could save around 10% when you buy insurance coverage online.

A little disclaimer on discounts, most credits do not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, insurance coverage companies aren’t that generous. Any amount of discount will help reduce your policy cost.

Car insurance companies that may offer policyholders these money-saving discounts include:

• 21st Century
• Progressive
• State Farm
• Nationwide
• Esurance
• The Hartford

It’s a good idea to ask every prospective company the best way to save money. Some credits may not apply to policies everywhere. To see a list of insurers with discount insurance coverage rates, click here to view.

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Smart consumers can lower their insurance premiums

Many factors are part of the calculation when premium rates are determined. Most are fairly basic such as traffic violations, although others are less apparent such as your marital status or your vehicle rating.It’s important that you understand some of the things that play a part in calculating your premiums. If you know what impacts premium levels, this allows you to make good choices that will entitle you to lower car insurance prices.

• Pleasure use saves money – The higher the miles on your Chevy in a year’s time the higher the price you pay to insure it. Most companies apply a rate based on how the vehicle is used. Cars used primarily for pleasure use can be on a lower rate level than those used for commuting. Ask your agent if your policy reflects annual mileage. An incorrectly rated Trax may be costing you.
• Raise physical damage deductibles and save – The deductibles you choose state the amount of money you are willing to pay before your car insurance pays a claim. Coverage for physical damage, also called comprehensive and collision insurance, covers damage that occurs to your car. Examples of some claims that would be covered could be collision with another vehicle, damage from fire, and having a roll-over accident. The higher the amount the insured is willing to pay, the better rate you will receive on Trax insurance.
• Being married equates to better premiums – Having a spouse may save some money when shopping for car insurance. Having a significant other demonstrates that you tend to be more stable financially and it’s proven that married drivers tend to have fewer serious accidents.
• Tickets increase rates – A bad driving record can have a huge impact on auto insurance premiums. Even a single driving citation may increase your cost by twenty percent. Careful drivers have lower premiums than bad drivers. Drivers who have received dangerous violations like DUI, reckless driving or excessive speeding may find that they have to to maintain a SR-22 with their state in order to legally drive a vehicle.
• More than one policy can earn a discount – Most companies will give discounts to buyers that purchase more than one policy in the form of a multi-policy discount. Even though this discount sounds good, it’s in your best interest to compare rates to ensure the best deal.
• Avoid unnecessary extra policy coverages – There are a ton of optional add-on coverages that can waste your money if you aren’t diligent. Insurance for replacement cost coverage, accident forgiveness, and motor club memberships are examples of these. They may sound like good ideas when talking to your agent, but if you have no use for them eliminate the coverages to reduce your premium.

Tailor your car insurance coverage to you

When it comes to choosing proper insurance coverage for your vehicles, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

These are some specific questions might point out whether you might need professional guidance.

• When can my company non-renew my policy?
• Do I need medical payments coverage since I have good health insurance?
• Should I get collision insurance on every vehicle?
• Am I covered when driving someone else’s vehicle?
• When do I need to add a new car to my policy?
• Am I missing any policy discounts?
• How can I get high-risk coverage after a DUI?
• Am I covered when delivering products for my home-based business?
• Am I covered if hit by an uninsured driver?
• Am I covered if I hit my neighbor’s mailbox?

If you can’t answer these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Car insurance coverages and their meanings

Knowing the specifics of your car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and also any damage incurred to your 2017 Chevy Trax.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually these coverages are set the same as your liablity limits.

Liability – Liability coverage can cover damages or injuries you inflict on people or other property in an accident. It protects you from claims by other people, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which means a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like loss of income, funeral expenses and attorney fees. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Collision coverage – This coverage covers damage to your Trax resulting from a collision with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things such as rolling your car, crashing into a ditch, hitting a parking meter and sideswiping another vehicle. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Medical payments coverage and PIP – Coverage for medical payments and/or PIP reimburse you for expenses for things like nursing services, pain medications and doctor visits. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive coverage – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like rock chips in glass, damage from getting keyed, falling objects, damage from a tornado or hurricane and a tree branch falling on your vehicle. The maximum amount a car insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

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One last thing

Lower-priced 2017 Chevy Trax insurance is possible from both online companies as well as from insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some auto insurance companies don’t offer internet price quotes and these smaller providers sell through local independent agencies.

When shopping online for auto insurance, don’t be tempted to sacrifice coverage to reduce premiums. In many instances, an insured dropped liability coverage limits only to find out they didn’t have enough coverage. The ultimate goal is to find the BEST coverage for the lowest cost, not the least amount of coverage.

Consumers who switch companies do it for a number of reasons such as high rates after DUI convictions, unfair underwriting practices, not issuing a premium refund or questionable increases in premium. No matter why you want to switch, finding the right auto insurance provider is actually quite simple.

Additional information can be found at these links:

• What is Covered by GAP Insurance? (Allstate)
• Liability Insurance Coverage (Nationwide)
• Child Safety FAQ (iihs.org)
• Auto Insurance Learning Center (State Farm)
• Auto Crash Statistics (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)

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