Insurance quote for Chevy Tahoe in TacomaI doubt anyone is fond of buying auto insurance, especially when they could find lower prices if they just compared rates.

It's hard to fathom, but nearly 70% of customers have stayed with the same insurance company for four years or more, and virtually 40% of consumers have never quoted rates to find affordable coverage. Many consumers in the U.S. could save almost 46.5% every year just by getting comparison quotes, but most undervalue how much they could save if they switched.

Drivers have multiple auto insurance companies to pick from, and although it's a good thing to have multiple companies, so many choices can make it hard to compare company pricing for Chevy Tahoe insurance in Tacoma.

It's a great practice to compare premium rates as often as possible because prices are variable and change quite frequently. Just because you found the lowest rates on Chevy Tahoe insurance in Tacoma on your last policy you will most likely find a better rate quote today. Ignore everything you know about auto insurance because we're going to demonstrate the only way to reduce your cost while improving coverage.

Choosing the best rates in Tacoma is quite easy. In essence, each driver who needs more affordable insurance stands a good chance to be able to reduce their rates. But Washington car owners do need to know how insurance companies market on the web and use it to find better rates.

Cheap companies for Chevy Tahoe insurance

The companies in the list below are ready to provide free quotes in Tacoma, WA. If multiple companies are shown, we recommend you get rate quotes from several of them in order to find the most affordable rates.

Chevrolet Tahoe Insurance Rates in Tacoma, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tahoe LS 2WD $206 $380 $398 $24 $120 $1,128 $94
Tahoe LS 4WD $144 $222 $304 $18 $90 $778 $65
Tahoe LT 2WD $154 $236 $300 $18 $90 $798 $67
Tahoe LT 4WD $234 $354 $304 $18 $90 $1,000 $83
Tahoe LTZ 2WD $318 $664 $398 $24 $120 $1,524 $127
Tahoe LTZ 4WD $124 $242 $282 $16 $84 $748 $62
Get Your Own Custom Quote Go

Prices above based on married male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Premium costs do not factor in vehicle location which can impact premiums noticeably.

Irresponsible driving raises your rates

The diagram below illustrates how speeding tickets and accidents increase Chevrolet Tahoe insurance rates for different ages of insureds. The costs are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no additional discounts are factored in.

How Insurance Companies Calculate Chevy Tahoe Insurance Prices

Lots of things are part of the calculation when you quote your car insurance policy. Some are pretty understandable like an MVR report, although some other factors are more transparent like your vehicle usage or how financially stable you are. A large part of saving on insurance is knowing some of the things that go into determining your premiums. If you have a feel for what influences your rates, this helps enable you to make changes that may reward you with lower insurance prices.

Big cities mean more claims - Residing in small towns and rural areas can be a good thing when buying insurance. Less people means a lower chance of having an accident and a lower car theft rate. Drivers in populated Washington areas tend to have more auto accidents and a longer drive to work. Higher commute times statistically corresponds to a higher accident and claim rate.

Your credit score is important - Having a bad credit score can be an important factor in calculating your premium rate. If your credit can use some improvement, you could potentially save money when insuring your Chevrolet Tahoe if you improve your credit rating. Drivers who have good credit tend to file fewer claims as compared to drivers with lower credit scores.

High performance vehicles cost more to insure - The type of car or truck you are buying insurance for makes a huge difference in how high your rates are. The lowest premiums are usually for the lowest performance passenger cars, but the final cost of insurance is determined by many other factors. Due to the fact that the Chevrolet Tahoe falls in the standard SUV class, insurance will be slightly more compared to average rates in Tacoma.

Gals tend to cost less - Statistics show that females tend to be a little less risky than males. Now that doesn't mean women are better drivers. Men and women are responsible for auto accidents in similar numbers, but the men have accidents that have higher claims. In addition to higher claims, males also get more serious tickets like DWI (DUI) or reckless driving.

Tickets hurt - Even one speeding ticket can bump up the cost forty percent or more. Attentive drivers get better rates than bad drivers. Drivers who have severe citations like hit and run, DWI or reckless driving convictions may face state-mandated requirements to submit a SR-22 form with their state DMV in order to keep their license.

Chevy Tahoe claim probability - Companies use data from past claims when determining insurance costs. Models that the data shows to have higher prevalence or dollar amount of losses will have a higher premium rate. The next table illustrates the collected loss data for Chevy Tahoe vehicles.

For each policy coverage type, the statistical loss for all vehicles, regardless of make or model, is considered to be 100. Numbers under 100 suggest losses that are better than average, while numbers above 100 point to more frequent losses or an increased likelihood of larger losses.

Chevrolet Tahoe Insurance Loss Statistics

Specific Chevrolet Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
Chevrolet Tahoe 4dr 2WD 82 90 105 70 63 88
Chevrolet Tahoe 4dr 4WD 83 89 103 68 62 80
BETTER
AVERAGE
WORSE

Statistics from IIHS.org for 2013-2015 Model Years

Do you qualify for discounts?

Some providers don't list their entire list of discounts in a way that's easy to find, so the next list breaks down some of the more common and the harder-to-find discounts you could be receiving when you buy Tacoma auto insurance online.Save money with discounts

It's important to note that most credits do not apply to the entire policy premium. Most only apply to specific coverage prices like physical damage coverage or medical payments. If you do the math and it seems like all those discounts means the company will pay you, that's just not realistic.

Companies and their possible discounts include:

Double check with all the companies which discounts can lower your rates. Some of the earlier mentioned discounts might not apply in Tacoma. To locate insurers that have a full spectrum of discounts in Washington, click here to view.

When to have guidance from an insurance agent

A lot of people just prefer to visit with an insurance agent and that can be a great decision A good thing about comparing rates online is you may find the best rates and still have a local agent.

Tacoma insurance agentsAfter filling out this short form, your coverage information is instantly submitted to companies in Tacoma who want to provide quotes for your insurance coverage. You don't have to visit any agencies as quotes are delivered to you directly. You can most likely find cheaper rates without a big time investment. If for some reason you want to get a rate quote from a specific insurance company, feel free to find their quoting web page to submit a rate quote request.

Finding a good company should depend on more than just a cheap price quote. You should also get answers to these questions.

Pick the best auto insurance agent in Tacoma for you

If you prefer to buy insurance from a reliable insurance agency, it can be helpful to understand the different types of agents and how they operate. Insurance agencies are categorized either independent or exclusive.

Exclusive Agents

Agents of this type generally can only insure with one company and some examples include Farmers Insurance and State Farm. Exclusive agents cannot compare other company's rates so they have to upsell other benefits. These agents are trained well on what they offer which helps them sell insurance even at higher premiums.

Shown below are exclusive agents in Tacoma that can give you rate quotes.


1106 S Yakima Ave - Tacoma, WA 98405 - (253) 272-1843 - View Map


15 S Oregon Ave #207 - Tacoma, WA 98409 - (253) 474-1521 - View Map


5905 29th St NE - Tacoma, WA 98422 - (253) 927-9295 - View Map

More insurance agents

Independent Agents (or Brokers)

These agents do not have single company limitations so they can write business with any number of different companies and possibly get better coverage at lower prices. If they find a lower price, they can switch companies in-house and you won't have to switch agencies. When searching for an agent, you will want to include price quotes from several independent insurance agents in order to have the best price comparison.

The following is a list of independent agents in Tacoma that can give you price quotes.


4707 S 19th St #101 - Tacoma, WA 98405 - (253) 752-3600 - View Map

Safeco Insurance
9923 75th St SW - Tacoma, WA 98498 - (253) 584-9526 - View Map

Roe Insurance Services LLC
7642 Pacific Ave - Tacoma, WA 98408 - (253) 472-3977 - View Map

More insurance agents

What is the best car insurance coverage?

When buying a policy, there isn't really a one-size-fits-all type of policy. Each situation is unique and a cookie cutter policy won't apply.Car insurance savings Here are some questions about coverages that may help highlight if you might need an agent's assistance.

If it's difficult to answer those questions then you might want to talk to an insurance agent. If you want to speak to an agent in your area, simply complete this short form or go to this page to view a list of companies.

More effort can pay off

Budget-friendly insurance in Tacoma can be sourced both online and from local insurance agents, and you should be comparing both in order to have the best chance of saving money. A few companies may not provide internet price quotes and these smaller companies only sell coverage through independent agencies.

In this article, we presented a lot of information how to get a better price on Chevy Tahoe insurance in Tacoma. The key thing to remember is the more providers you compare, the better your chances of lowering your premium rates. Consumers may even find the lowest priced insurance comes from a small mutual company. These smaller insurers often have lower premium rates on specific markets than their larger competitors like Allstate or State Farm.

Additional information