Cheap Quotes for Chevy Traverse Insurance in Seattle

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

Insurance quote for Chevy Traverse in SeattleShopping for low-cost Seattle Chevy Traverse insurance quotes online may be challenging for consumers that are relatively new to comparing and buying auto insurance on the web. When there are so many insurance companies available, how can you be able to compare every company to locate the best price?

Shocking but true, the vast majority of drivers have stayed with the same insurance company for more than four years, and 38% of customers have never even compared rates from other companies. Drivers in Washington could save about $430 every year just by comparing rates, but they just don't want to find cheap insurance by shopping around.

Consumers need to check auto insurance prices once or twice a year because auto insurance rates go up and down regularly. If you had the lowest rate on Chevy Traverse insurance in Seattle six months ago there is a good chance you can find better prices now. Don't believe everything you read about Traverse insurance online but we're going to give you some solid techniques on how to lower your auto insurance rates in Seattle.

If you have car insurance now, you will surely be able to get lower rates using these techniques. Locating affordable car insurance policy in Seattle is actually quite simple. But Washington consumers must know the methods companies use to charge you for coverage because rates are impacted by many factors.

Companies offering Chevy Traverse insurance in Seattle

The companies shown below offer free quotes in Washington. If more than one company is shown, we suggest you visit as many as you can to get the most affordable price.

Chevrolet Traverse Insurance Cost Estimates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Traverse LS 2WD $290 $376 $328 $20 $98 $1,112 $93
Traverse LS AWD $222 $324 $284 $16 $84 $930 $78
Traverse LT 2WD $152 $224 $326 $20 $98 $820 $68
Traverse LT AWD $234 $354 $258 $16 $78 $940 $78
Traverse LTZ 2WD $208 $310 $250 $14 $76 $858 $72
Traverse LTZ AWD $250 $376 $256 $16 $76 $974 $81
Get Your Own Custom Quote Go

Premium data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, claim-free, homeowner, multi-vehicle, and safe-driver. Premium amounts do not factor in specific location which can lower or raise coverage rates greatly.

Safe drivers Seattle pay cheaper rates

The chart below illustrates how traffic citations and at-fault claims can raise Chevrolet Traverse yearly insurance costs for different age categories. Data assumes a single female driver, full physical damage coverage, $100 deductibles, and no discounts are applied to the premium.

Raise deductibles and save

The illustration below shows how different deductible levels and can impact Chevrolet Traverse insurance premiums for each age group. Data assumes a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

How Your Traverse Insurance Prices are Determined

It's important that you understand the factors that play a part in calculating the price you pay for auto insurance. If you have some idea of what determines premiums, this allows you to make good choices that may result in much lower annual insurance costs. Lots of factors are part of the equation when pricing auto insurance. Some are pretty understandable such as traffic violations, although others are not quite as obvious such as your marital status or your vehicle rating.

The factors shown below are some of the things utilized by car insurance companies to help set prices.

Keep the miles off and save - Driving a lot of miles every year the more you will pay for auto insurance. Most insurance companies charge rates determined by how the vehicle is used. Cars that sit idle most of the time receive better premium rates as compared to vehicles used primarily for driving to work. It's always a good idea to double check that your auto insurance policy correctly shows how each vehicle is driven. Incorrect rating for your Traverse may be costing you.

Better credit means lower prices - Having a bad credit history can be a huge factor in determining what you pay. Therefore, if your credit rating is low, you could save money insuring your Chevrolet Traverse by spending a little time repairing your credit. People with very high credit ratings tend to be less risk to insure than drivers with lower credit scores.

Buy as much liability as you can afford - A critical coverage on your policy, liability insurance kicks in in the event that a court rules you are at fault for causing damage or personal injury in an accident. Your liability coverage provides legal defense up to the limits shown on your policy. Liability is cheap compared to other policy coverages, so do not cut corners here.

Certain employers pay higher rates - Did you know your career choice can influence rates? Jobs like fire fighters, police officers, and financial analysts are shown to have the highest rates in part from high stress and long work hours. Conversely, occupations such as actors, historians and the unemployed have the lowest average rates.

How your age affects rates - Youthful drivers in Washington have a tendency to get distracted easily when driving with friends so they pay higher auto insurance rates. If you've ever had to add a beginning driver to your auto insurance policy can increase premiums substantially. Older drivers are more responsible, are lower risk to insure, and are generally more financially stable.

Policy add-ons may not be needed - Insurance policies have a lot of add-on coverages that can add up if you don't pay attention. Coverages for coverage for rental cars, towing, and membership fees are some examples. These coverages may sound good at first, but your needs may have changed so consider taking them off your policy.

Chevy Traverse claim statistics - Insurers study historical loss data to help determine rates. Models that statistically have increased losses will have higher rates for specific coverages. The table below illustrates the collected loss data for Chevy Traverse vehicles.

For each policy coverage, the claim probability for all vehicles, regardless of manufacturer or model, is equal to 100. Numbers below 100 represent a good loss history, while values that are above 100 indicate frequent claims or an increased likelihood of larger losses.

Chevrolet Traverse Insurance Claim Statistics

Vehicle 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

Score discounts on Seattle insurance

The cost of insuring your cars can be expensive, but there's a good chance there are discounts that you may not even know about. Larger premium reductions will be automatically applied at the time of quoting, but a few must be manually applied before they will apply.Save money with discounts

Policy discounts save money, but most discounts do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as medical payments or collision. Just because you may think having all the discounts means you get insurance for free, you're out of luck. But any discount will help reduce your policy cost.

A list of insurance companies and their offered discounts can be read below.

When comparing rates, check with every company how you can save money. Some of the discounts discussed earlier may not be available in every state. If you would like to see a list of insurers that have a full spectrum of discounts in Seattle, click here to view.

Local Seattle insurance agents and auto insurance

Many people just want to talk to a local agent. The biggest benefit of comparing rate quotes online is you can get cheaper car insurance rates and still have a local agent.

Find insurance agent in SeattleBy using this form (opens in new window), your information is submitted to companies in Seattle who will return price quotes to get your business. It makes it easy because there is no need to visit any agencies due to the fact that quote results will go immediately to you. You can most likely find cheaper rates and a licensed agent to talk to. If you wish to get a price quote for a specific company, don't hesitate to jump over to their website to submit a rate quote request.

Choosing the best insurance company needs to be determined by more than just the premium amount. Below are some questions you should ask.

What types of auto insurance agents are in Seattle?

When narrowing the list to find a local Seattle insurance agency, it helps to know the two types of agencies and how they differ in how they quote coverages. Agencies in Seattle may be either exclusive agents or independent agents.

Exclusive Insurance Agents

These agents generally can only insure with one company such as Allstate and State Farm. Exclusive agents cannot shop your coverage around so you need to shop around if the rates are high. These agents are usually well trained on sales techniques which helps overcome the inability to quote other rates. Some people will only buy from the same agent for years mainly due to the prominence of the brand rather than having the cheapest rates.

Below is a list of exclusive agencies in Seattle who may provide you with price quote information.

More Seattle agents

Independent Agents (or Brokers)

Independent insurance agents do not work for one specific company and that gives them the ability to insure through many different auto insurance companies and possibly get better coverage at lower prices. If your agent finds better pricing, your policy is moved internally and you don't have to do anything. When comparing rate quotes, we recommend you compare quotes from a couple of independent agencies to have the best price comparison. Most also write with smaller mutual companies which can be an advantage.

The following is a short list of independent agents in Seattle willing to provide price quotes.

More Seattle agents

What insurance coverages do I need?

When buying adequate coverage for your personal vehicles, there isn't really a perfect coverage plan. Your needs are unique to you so your insurance should reflect thatHigher deductibles save money For example, these questions can help discover whether or not you might need professional guidance.

If you can't answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form or you can also visit this page to select a carrier

Car insurance savings summarized

As you shop your coverage around, you should never buy less coverage just to save a little money. There have been many cases where drivers have reduced full coverage and found out when filing a claim that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage at the best price, but do not skimp to save money.

Cheap Chevy Traverse insurance in Seattle is definitely available from both online companies in addition to local insurance agencies, so you should be comparing quotes from both to have the best rate selection. A few companies may not offer the ability to get quotes online and usually these regional carriers work with independent agents.

More detailed car insurance information is located at these sites: