Chevy Traverse Insurance Rate Quotes in Los Angeles

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How long has it been since you compared quotes for more affordable Chevy Traverse insurance in Los Angeles? Paying low cost rates for Chevy Traverse insurance in Los Angeles is slightly frustrating for drivers new to online price comparisons. You have so many agents and companies to choose from that it can easily turn into a burden to locate the lowest price in California.

Insurance quote for Chevy Traverse in Los AngelesIt's safe to assume that car insurance companies don't want you to look for a cheaper policy. Insureds who shop around for a cheaper policy are likely to switch to a new company because they stand a good chance of finding a policy with better rates. A recent survey found that drivers who routinely shopped around saved as much as $3,400 over four years compared to other drivers who never shopped around for cheaper prices.

If finding the best price on insurance in Los Angeles is your objective, then knowing the best way to quote and compare coverages can save time and money.

Companies offering Chevy Traverse insurance in California

The car insurance companies shown below offer price comparisons in California. If more than one company is shown, it's highly recommended you visit as many as you can to get the best price comparison.

Rate information and statistics

The information shown below showcases different insurance rates for Chevy Traverse models. Understanding how policy premiums are determined can help customers make smart choices when purchasing an auto insurance policy.

Chevrolet Traverse Insurance Rates in Los Angeles, CA
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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Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Rate quotes do not factor in specific zip code location which can lower or raise coverage rates greatly.

Physical damage deductibles

A question often asked by Los Angeles drivers is how high should your deductibles be. The tables below may help you to understand the price difference when you select higher and lower policy deductibles. The first data set uses a $100 physical damage coverage deductible and the second rate table uses a $1,000 deductible.

Chevrolet Traverse insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Traverse LS 2WD $380 $564 $376 $22 $112 $1,479 $123
Traverse LS AWD $430 $564 $376 $22 $112 $1,529 $127
Traverse LT 2WD $430 $564 $376 $22 $112 $1,529 $127
Traverse LT AWD $430 $686 $376 $22 $112 $1,651 $138
Traverse LTZ 2WD $430 $686 $376 $22 $112 $1,651 $138
Traverse LTZ AWD $430 $686 $376 $22 $112 $1,651 $138
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Chevrolet Traverse insurance premium estimates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Traverse LS 2WD $210 $298 $376 $22 $112 $1,018 $85
Traverse LS AWD $238 $298 $376 $22 $112 $1,046 $87
Traverse LT 2WD $238 $298 $376 $22 $112 $1,046 $87
Traverse LT AWD $238 $362 $376 $22 $112 $1,110 $93
Traverse LTZ 2WD $238 $362 $376 $22 $112 $1,110 $93
Traverse LTZ AWD $238 $362 $376 $22 $112 $1,110 $93
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, claim-free, and multi-vehicle. Rate information does not factor in specific garaging location which can influence rates greatly.

Based on this data, using a $100 deductible costs an average of $42 more each month or $504 every year averaged for all Traverse models than requesting the higher $1,000 deductible. Because you would be required to pay $900 more if you turn in a claim with a $1,000 deductible as compared to a $100 deductible, if you average at a minimum 21 months between claim filings, you would probably be better off if you choose a higher deductible.

How to decide to raise your deductibles

Average monthly premium for $100 deductibles: $132
Average monthly premium for $1,000 deductibles (subtract): - $90
Monthly savings from raising deductible: $42
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $42
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 21 months

One important note is that higher deductibles means you will have to pay more out-of-pocket when you have to file a claim. That will require enough money stashed away in the event you need to pay the deductible.

Bad driving habits will cost you more

The information below illustrates how violations and accident claims increase Chevy Traverse insurance costs for different insured age categories. Data assumes a married male driver, comp and collision included, $1,000 deductibles, and no policy discounts are applied.

Chevy Traverse full coverage rates compared to liability only

The information below compares Chevy Traverse insurance prices with full coverage and liability only. The rates are based on a clean driving record, no claims, $100 deductibles, single marital status, and no other discounts are factored in.

When to drop full coverage

There is no definitive guideline to stop paying for full coverage on your policy, but there is a guideline you can consider. If the annual cost of comprehensive and collision coverage is more than 10% of the vehicle's replacement cost less your deductible, the it may be a good time to stop paying for full coverage.

For example, let's say your Chevy Traverse settlement value is $8,000 and you have $1,000 deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $7,000 after the deductible is paid. If it's costing in excess of $700 annually for full coverage, then it might be time to buy liability only.

There are some circumstances where buying only liability insurance is not advised. If you still owe a portion of the original loan, you have to carry full coverage as part of the loan conditions. Also, if your finances do not allow you to purchase a different vehicle if your current one is totaled, you should not drop full coverage.

How to Lower Your Insurance Rates

Many factors are considered when you get a price on insurance. Some are obvious like a motor vehicle report, although others are more obscure like your vehicle usage or your vehicle rating. The best way to find cheaper car insurance is to take a look at some of the elements that go into determining your policy premiums. When consumers understand what positively or negatively impacts your premiums, this allows you to make good choices that may result in lower car insurance prices.

  • Liability preserves assets - Your policy's liability coverage is the coverage that protects you if you are ruled to be at fault for causing personal injury or damage in an accident. Liability insurance provides for a legal defense which can cost thousands of dollars. Liability insurance is pretty cheap when compared with rates for comp and collision, so do not cut corners here.
  • Lower stress equals lower prices - Careers like real estate brokers, social workers, and stock brokers tend to pay higher average rates in part from job stress and lots of time spent away from family. Other careers such as farmers, students and performers have lower than average premiums.
  • Keep the miles off and save - The higher the miles on your Chevy each year the more you will pay for car insurance. Most companies apply a rate based upon how the vehicle is primarily used. Vehicles that are left in the garage cost less to insure as compared to vehicles used primarily for driving to work. Improper usage on your Traverse can result in significantly higher rates. It's a smart idea to ensure your car insurance policy reflects annual mileage, because improper ratings can cost you money.
  • Guys pay higher rates - Over the last 50 years, statistics have shown that females tend to be a little less risky than males. Now that doesn't mean men are WORSE drivers than women. Women and men cause auto accidents in similar percentages, but males tend to have higher claims. In addition to higher claims, males also get higher numbers of serious violations like DUI and reckless driving.

    The illustration below compares Chevy Traverse yearly insurance costs for male and female drivers. The data assumes a clean driving record, no claims, comp and collision included, $250 deductibles, marital status is single, and no discounts are applied.

  • Policy add-ons may be wasting money - There are quite a few extra coverages that may not really be needed if you aren't careful. Insurance for things like rental car coverage, accident forgiveness, and extra life insurance coverage may be wasting your money. These coverages may sound good at first, but if you don't need them remove them and pocket the money.
  • Type of car determines base costs - The performance level of the car you drive makes a significant difference in determining your rates. The lowest base rates will generally be found on low performance passenger models, but many other things help determine your insurance rates.

    The next chart is based on a single male driver age 30, full coverage with $250 deductibles, and no discounts or violations. It shows Chevrolet Traverse insurance rates compared to other models of vehicles that have a range of performance rating factors.

  • Insurance loss data for Chevy Traverse vehicles - Insurers take into consideration historical loss data for every vehicle when determining insurance rates. Vehicles that the statistics show to have increased claim numbers or amounts will have a higher cost to insure. The table below outlines the compiled insurance loss statistics for Chevy Traverse vehicles.

    For each coverage category, the claim probability for all vehicles averaged together is a value of 100. Percentages below 100 indicate a favorable loss history, while values that are above 100 indicate higher probability of having a loss or an increased chance of larger losses than average.

    Car 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

Get discounts on Los Angeles insurance

Insurance is not cheap nor is it fun to buy but you may be missing some discounts to help offset the cost. A few discounts will be applied when you get a quote, but some must be requested specifically before being credited.Insurance discounts

  • Own a Home and Save - Simply owning a home may trigger a policy discount on insurance because maintaining a house shows financial diligence.
  • Discounts for Federal Employees - Employees or retirees of the government can earn a discount up to 10% depending on your insurance provider.
  • Senior Citizen Rates - Drivers over the age of 55 can get lower premium rates.
  • ABS Braking Discount - Cars, trucks, and SUVs with ABS and/or traction control prevent accidents and will save you 10% or more on Traverse insurance in Los Angeles.
  • Payment Discounts - If you can afford to pay the entire bill rather than paying monthly you can avoid monthly service charges.

A little disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Most only apply to individual premiums such as collision or personal injury protection. Even though it appears you could get a free insurance policy, insurance companies aren't that generous.

The example below illustrates the comparison of Chevy Traverse auto insurance rates with and without discounts applied to the rates. The premium estimates are based on a male driver, a clean driving record, no claims, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, safe-driver, claim-free, marriage, multi-policy, and homeowner discounts applied.

To see providers with the best Chevy Traverse insurance discounts in Los Angeles in Los Angeles, click here to view.

Exclusive or independent car insurance agents

Some consumers would prefer to get professional advice from a licensed agent and often times that is recommended One of the best bonuses of comparing rates online is the fact that drivers can get lower car insurance rates and still buy from a local agent. Buying from and supporting neighborhood insurance agencies is especially important in Los Angeles.

Los Angeles insurance agentsTo find an agent, once you fill out this form (opens in new window), your coverage information is emailed to companies in Los Angeles who will return price quotes for your business. It makes it easy because there is no need to contact an agency since rate quotes are delivered to you. You'll get the best rates without the usual hassles of price shopping. If you have a need to get a price quote from a specific auto insurance provider, you would need to search and find their rate quote page and submit a quote form there.

Finding the right insurance company needs to be determined by more than just a cheap price quote. Here are some questions you might want to ask.

  • Are they able to influence company decisions when a claim is filed?
  • Which companies can they place coverage with?
  • Do they regularly work with personal auto policies in Los Angeles?
  • Is working in the agency their full-time job?
  • Are there any extra charges for paying monthly?
  • Do the agents have professional certifications like CPCU or CIC?
  • Do they write coverage based solely on cost?
  • Does the agency support the community they serve?

You are unique and your car insurance should be too

When it comes to buying coverage online or from an agent, there is no "perfect" insurance plan. Your needs are not the same as everyone else's.Safe vehicles cost less to insure

Here are some questions about coverages that might help in determining if your situation might need an agent's assistance.

  • Why am I required to buy liability insurance?
  • Can my babysitter drive my car?
  • How much liability insurance is required?
  • Is motorclub coverage worth it?
  • How high should my uninsured/underinsured coverage be in California?
  • How much can I save by bundling my policies?
  • Am I covered if I crash into my own garage door?
  • Why am I required to buy high-risk coverage?
  • How much liability do I need to cover my assets?

If you don't know the answers to these questions but one or more may apply to you, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form.

Persistent drivers can save

Drivers change insurance companies for a variety of reasons including delays in responding to claim requests, policy non-renewal, questionable increases in premium or even high rates after DUI convictions. Whatever your reason, finding a new company is easier than you think.

You just read many ways to compare Chevy Traverse insurance car insurance rates in Los Angeles. The most important thing to understand is the more companies you get premium rates for, the better chance you'll have of finding inexpensive Los Angeles car insurance quotes. Drivers may even discover the lowest car insurance rates are with an unexpected company.

Cost effective Chevy Traverse insurance can be sourced from both online companies and also from your neighborhood Los Angeles agents, so get free Los Angeles car insurance quotes from both of them in order to have the best chance of saving money. Some insurance companies do not provide internet price quotes and usually these smaller companies work with independent agents.

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