Cheapest Insurance for a Chevrolet Traverse in Florida

Our editors always tell us that when writing about car insurance, the words cheap or affordable really should not be used anywhere in the article as a descriptor for car insurance rates. It’s just a fact that cheap auto insurance for a Chevrolet Traverse is pretty hard to find. But don’t despair, because we are going to show you how you can find and buy auto insurance that is cheaper than what you have now.

The chances of buying cheap insurance for a Chevrolet Traverse in Florida relies on a whole bunch of factors such as annual miles driven, your profession, and your choice of deductibles. Drivers on average will pay $1,140 per year to insure their Traverse, but that is a valuation calculated based on a 40-year-old single male that includes full comprehensive and collision coverage and $500 policy deductibles.

The issue that arises when projecting rates is that it’s very likely that you’re not a 40-year-old male, you might be married instead of single, or maybe your Traverse is old enough that it doesn’t require full coverage. Everyone has different rating factors, so your best chance at finding the cheapest insurance price for your Chevrolet is to get into the habit of comparing rates once a year. Quotes are free and you will get price quotes from some of the best insurers around.

Find Cheaper Chevrolet Traverse Insurance

Your vehicle’s trim level tends to have a direct impact on the cost of coverage, so the price you will be charged to insure a Traverse LS 2WD trim level will be $124 lower than the cost to insure the higher-priced Traverse LTZ AWD trim level, as shown in the prices below.

Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Florida minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Price estimates do not factor in specific location which can alter auto insurance rates noticeably.

Finding out which companies have the most affordable car insurance rates for a Chevrolet Traverse calls for a tad more effort than just comparing rates from one or two companies. Each insurance company uses a slightly different approach for determining prices, so let’s take a look at the lowest cost car insurance companies in Florida.

Keep in mind that Florida car insurance rates are impacted by many things which can substantially decrease or increase the policy price. Improving your credit rating, buying another vehicle, or having an accident can cause premium changes resulting in some rates now being affordable when they were higher priced.

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USAA may offer some of the lowest car insurance rates in Florida at around $977 annually. Amica, Electric, Progressive, and Travelers also qualify as some of the lowest-priced Florida auto insurance companies.

As the example above demonstrates, if you are currently insured with Travelers and switched to Amica, you may realize annual savings of approxmiately $194. Insureds with Allied might save as much as $251 a year, and Mercury insureds might lower prices by up to $279 a year.

To find the cheapest insurance for a Chevrolet Traverse in Florida for your vehicle, click here to start your custom quote or click through to the companies below.

These premium estimates are averaged across all types of drivers and the different vehicles they drive and and are not figured with a specific rating modification for a Chevrolet Traverse. So the car insurance company that fits you best may not even be featured in the above rate chart. That emphasizes why you need to compare rates from as many companies as possible using your own personal information and vehicle type.

Responsible drivers pay cheaper Florida car insurance rates

The obvious way to enjoy the cheapest insurance for a Chevrolet Traverse in Florida is to drive attentively and avoid accidents and violations. The example below shows how speeding tickets and at-fault collisions can impact annual premium costs for each age group. The costs are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are applied.

In the previous chart, the average cost of a car insurance policy in Florida per year with no accidents and a clean driving record is $2,567. Factor in two speeding tickets and the average cost surges to $3,468, an increase of $901 each year. Now get one accident along with the two speeding tickets and the yearly cost of car insurance for a Chevrolet Traverse increases to an average of $4,355. That’s an increase of $1,788, or $149 per month, just for being a careless driver!

How to get discounts on Florida car insurance rates

Insurers that provide the cheapest insurance for a Chevrolet Traverse in Florida may also give you policy discounts that can reduce rates by as much as 30% if you meet the requirements. A few of the larger companies and the discounts they provide are:

• Farm Bureau has savings for multi-policy, safe driver, driver training, multi-vehicle, youthful driver, and renewal discount.
• State Farm may offer discounts for student away at school, driver’s education, good driver, defensive driving training, accident-free, multiple autos, and passive restraint.
• Progressive includes discounts for multi-vehicle, homeowner, continuous coverage, online quote discount, and multi-policy.
• Allstate has discounts for economy car, early signing, defensive driver, 55 and retired, and new car.
• Nationwide offers discounts for easy pay, business or organization, Farm Bureau membership, good student, accident-free, defensive driving, and family plan.
• MetLife discounts include accident-free, multi-policy, claim-free, good student, defensive driver, and good driver.

The information below visualizes the comparison of annual premium costs with and without discounts applied. The premiums are based on a male driver, no tickets, no at-fault accidents, Florida state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with homeowner, claim-free, safe-driver, accident-free, marriage, and anti-theft discounts applied. When these discounts are applied to the policy premium, the the average yearly reduction on car insurance for a Chevrolet Traverse is 28% or $603.

How to find cheaper insurance for a Chevrolet Traverse

The list below summarizes a few money-saving suggestions that can help Florida drivers locate cheaper car insurance.

• On older vehicles, drop full coverage
• Higher credit ratings may save you money
• Avoid getting citations and tickets
• Prevent rate increases by staying accident-free
• Vehicles with good safety ratings are usually cheaper to insure
• Higher deductibles mean lower rates
• Compare prices frequently to find the best deal

That last idea is notably crucial, as was emphasized in the prior information. Auto insurance prices can change considerably in a year, so don’t be hesitant to switch companies if you can find a cheaper rate. Brand loyalty is great, but it’s not a good idea if it’s costing you hundreds of dollars year after year. In just a couple of minutes you could compare prices to find cheaper car insurance for a Chevrolet Traverse.

Cheapest Chevrolet Traverse insurance quotes

There are many ways to get cheap car insurance quotes in Florida, but the most preferred are through an independent insurance agent, a captive (or exclusive) agency such as Auto-Owners or State Farm, or direct from companies such as Progressive or Geico.

They all follow the same basic process, but buyers should know the differences in how they give price quotes.

Independent agencies work for many companies and can compare rates with every one. These types of agents can quote with many companies and give you more rates, which can help you get the best chance of finding a lower price. If you want to switch companies, your policy can be easily switched to a different company which prevents you from having to find a new agency.

An exclusive agent is limited to one insurance company, two popular examples being Liberty Mutual and Allstate agents. Exclusive agents are unable to place coverage with different providers, so drivers will want to get other quotes as well.

Buying from a direct company means bypass an independent or exclusive agent and instead shop buying direct from a company like Progressive or Esurance. Buying direct may be the best choice families who have fewer assets and have some degree of understanding of how their policy works.

Which method works best to buy the cheapest insurance for a Chevrolet Traverse in Florida? Most people would assume that buying direct yields the cheapest rates because you bypass the agent, but that turns out to not be true. We could also assume that an independent agency guarantees the lowest rates because they can quote many companies, but that idea is not necessarily true either. In the right set of circumstances, exclusive agents have extremely competitive rates that cannot be met by either independent or direct companies.

Due to that fact that car insurance uses so many rating variables, the only real way to ensure you are not overpaying for car insurance is to compare, compare, and compare some more. We highly recommend getting rate quotes from independent agents, exclusive agents, and direct companies to have the best selection of rates to choose from. For a list of car insurance companies with low rates, click here to view.

Which auto insurance company is best?

If you’re looking for the best insurance for a Traverse, four of the best places to start are Geico, State Farm, Allstate, and Progressive. The following table ranks ratings for price and service, as well as some optional coverages shoppers can expect to find with each one.