Auto Insurance Quotes for a Chevy Traverse in San Diego

Insurance rates Chevy Traverse in San DiegoDo you get exhausted from scraping the payment together to pay high car insurance rates every month? You’re in the same situation as many other California consumers.

A recent car insurance study revealed that the majority of drivers kept their policy with the same company for more than four years, and about 40% of consumers have never even compared quotes to find cheaper rates. Many drivers in California could save up to 35% every year just by shopping around, but they just feel it’s too hard to save money by comparing rate quotes. Big companies like GEICO, Farmers Insurance and State Farm constantly bombard you with catchy ads and consumers find it hard to avoid their marketing magic and do the work needed to find the best deal.

The companies shown below offer price quotes in San Diego, CA. If multiple providers are shown, we recommend you visit two to three different companies in order to get a fair rate comparison.

Chevrolet Traverse Insurance Rates in San Diego, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Traverse LS 2WD $216 $324 $360 $22 $108 $1,030 $86
Traverse LS AWD $216 $274 $386 $22 $116 $1,014 $85
Traverse LT 2WD $234 $342 $454 $26 $136 $1,192 $99
Traverse LT AWD $332 $564 $394 $24 $118 $1,432 $119
Traverse LTZ 2WD $386 $576 $376 $22 $112 $1,472 $123
Traverse LTZ AWD $234 $416 $454 $26 $136 $1,266 $106
Get Your Own Custom Quote Go

Data variables include single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Premium amounts do not factor in the specific area where the vehicle is garaged which can revise auto insurance rates greatly.

Annual premiums for males versus females

The chart below shows the comparison of Chevrolet Traverse insurance costs for male and female drivers. The premiums assume no tickets, no at-fault accidents, comp and collision included, $100 deductibles, drivers are not married, and no discounts are factored in.

Here’s why auto insurance is not optional

Despite the fact that auto insurance is not cheap in San Diego, maintaining insurance is required for several reasons.

First, most states have minimum liability requirements which means the state requires a specific minimum amount of liability in order to be legal. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.

Second, if you have a loan on your vehicle, most lenders will have a requirement that you have insurance to ensure they get paid if you total the vehicle. If you do not keep the policy in force, the bank will be required to insure your Chevy at an extremely high rate and make you pay a much higher amount than you were paying before.

Third, insurance safeguards not only your Chevy but also your assets. Insurance will pay for most medical and hospital costs that are the result of an accident. Liability insurance will also pay to defend you in the event you are sued. If damage is caused by hail or an accident, your policy will cover the repair costs.

The benefits of carrying adequate insurance are definitely more than the cost, particularly when you have a large claim. Unknowingly, the average driver overpays more than $865 each year so it’s recommended you shop around at every renewal to ensure rates are competitive.

Cheap San Diego insurance rates with discounts

Insurance is easily one of your largest bills, but you may be missing some discounts that you may not know about. Some trigger automatically when you purchase, but some need to be specifically requested before they will apply.Cheaper insurance with discounts

As a footnote on discounts, most of the big mark downs will not be given to the entire cost. Most cut the cost of specific coverages such as comp or med pay. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way.

Some companies who might offer these benefits include:

If you are trying to find affordable San Diego car insurance quotes, ask each insurance company which credits you are entitled to. Some discounts may not apply in every state. To find insurers that offer many of these discounts in California, click here.

Insurance agencies can help

A small number of people would rather go talk to an agent. Professional insurance agents are very good at helping people manage risk and help file insurance claims. A good thing about comparing insurance online is that drivers can save money and get the best rates and still buy from a local agent. And supporting neighborhood agents is still important in San Diego.

After completing this quick form, your coverage information is sent to agents in your area who will gladly provide quotes and help you find cheaper coverage. It makes it easy because there is no need to drive around as quotes are delivered to you instantly. If you want to compare prices from a specific company, you can always find their quoting web page and fill out their quote form.

Selecting a company should depend on more than just a low price. These are some questions your agent should answer.

The coverage is in the details

Learning about specific coverages of your policy aids in choosing which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring. These are typical coverages offered by insurance companies.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection from other drivers when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your Chevy Traverse.

Because many people carry very low liability coverage limits (California limits are 15/30/5), it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Frequently these limits are similar to your liability insurance amounts.

Liability coverages

Liability coverage can cover damages or injuries you inflict on a person or their property by causing an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 15/30/5 that translate to a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and a total limit of $5,000 for damage to vehicles and property. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against things such as emergency aid, funeral expenses and legal defense fees. How much coverage you buy is your choice, but buy higher limits if possible. California requires drivers to carry at least 15/30/5 but it’s recommended drivers buy higher limits.

Collision coverage

Collision coverage covers damage to your Traverse from colliding with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as hitting a parking meter, colliding with another moving vehicle and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to choose a higher deductible on your Traverse to bring the cost down.

Comprehensive protection

This coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like hail damage, falling objects, fire damage and damage from flooding. The highest amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Medical expense coverage

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like pain medications, ambulance fees and nursing services. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

Persistence is the key to cheap rates

Budget-conscious Chevy Traverse insurance can be purchased from both online companies and from local agencies, so you need to shop San Diego car insurance with both to have the best chance of lowering rates. Some insurance providers may not have the ability to get a quote online and these small insurance companies provide coverage only through independent agents.

As you prepare to switch companies, do not buy less coverage just to save a little money. There have been many cases where an accident victim reduced physical damage coverage and found out when filing a claim that the few dollars in savings costed them thousands. The ultimate goal is to purchase plenty of coverage at the best cost, but don’t skip important coverages to save money.

Throughout this article, we presented quite a bit of information on how to reduce Chevy Traverse insurance car insurance rates online in San Diego. The most important thing to understand is the more quotes you get, the higher the chance of saving money. You may even find the lowest car insurance rates are with a lesser-known regional company. Regional companies may cover specific market segments cheaper compared to the large companies like GEICO and State Farm.

Helpful resources