Trying to find better insurance prices for a Chevy Tahoe in California can normally be a lot of work, but you can learn these tips and make it easy. There are both good and bad ways to buy car insurance and you need to know the absolute fastest way to get price quotes for a Chevy and get the lowest possible price either online or from San Jose insurance agents.
If you have a policy now or are looking for a new policy, use these cost-cutting techniques to find the best rates without reducing coverage. Comparing quotes for the best policy in San Jose is easy to do. Consumers just need to use the least time-consuming way to find the lowest price from many different companies.
Finding Chevy Tahoe insurance in San Jose
Lowering your Chevy Tahoe car insurance rates is not a difficult process. Just take a couple of minutes to compare rates from online providers.
The companies in the list below have been selected to offer free quotes in California. If several companies are displayed, it’s highly recommended you get rate quotes from several of them to find the most affordable auto insurance rates.
Get cheap Chevy Tahoe insurance in San Jose with discounts
Insuring your fleet can be pricey, but there could be available discounts that may help make it more affordable. Certain discounts will be triggered automatically when you quote, but a few must be specifically requested in order for you to get them.
- San Jose Homeowners Pay Less – Simply owning a home may earn you a small savings due to the fact that maintaining a home requires a higher level of personal finance.
- Telematics Data – Drivers who elect to allow their company to study driving habits remotely such as Progressive’s Snapshot could save a few bucks if their driving habits are good.
- Anti-lock Brake Discount – Cars, trucks, and SUVs with ABS and/or traction control have fewer accidents and earn discounts up to 10%.
- Waiver for an Accident – Not necessarily a discount, but certain companies will allow you to have one accident before raising your premiums with the catch being you have to be claim-free for a particular time prior to the accident.
- Drivers Education – Cut your cost by having your teen driver enroll and complete driver’s education if it’s offered in school.
- More Vehicles More Savings – Buying a policy with all your vehicles with the same company can reduce rates for all insured vehicles.
- Low Mileage Discounts – Keeping the miles down on your Chevy can qualify you for discounted rates on garaged vehicles.
- Active Service Discounts – Having an actively deployed family member can result in better insurance rates.
- Discounts for Government Workers – Active or former government employment could cut as much as 10% off depending on your company.
- Professional Memberships – Participating in specific professional or occupational memberships or organizations could trigger savings on your policy.
As a footnote on discounts, some of the credits will not apply to the overall cost of the policy. Most only cut the price of certain insurance coverages like collision or personal injury protection. So even though you would think having all the discounts means you get insurance for free, companies wouldn’t make money that way.
The example below illustrates the comparison of Chevy Tahoe premium costs with and without discounts applied to the premium. The prices are based on a male driver, no violations or claims, California state minimum liability limits, full 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, marriage, homeowner, multi-policy, and claim-free discounts applied.
If you would like to see a list of companies who offer discounts in San Jose, click here.
Chevy Tahoe insurance coverage information
The rate table displayed next outlines detailed analysis of insurance policy prices for Chevy Tahoe models. Having knowledge of how policy premiums are calculated can assist in making smart choices when choosing a car insurance company.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tahoe LS 2WD | $366 | $776 | $574 | $34 | $172 | $1,922 | $160 |
| Tahoe LS 4WD | $412 | $776 | $574 | $34 | $172 | $1,968 | $164 |
| Tahoe LT 2WD | $412 | $776 | $574 | $34 | $172 | $1,968 | $164 |
| Tahoe LT 4WD | $412 | $776 | $574 | $34 | $172 | $1,968 | $164 |
| Tahoe LTZ 2WD | $412 | $914 | $574 | $34 | $172 | $2,106 | $176 |
| Tahoe LTZ 4WD | $412 | $914 | $574 | $34 | $172 | $2,106 | $176 |
| Get Your Own Custom Quote Go | |||||||
Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-vehicle, multi-policy, safe-driver, and homeowner. Rate quotes do not factor in your specific San Jose location which can raise or lower prices greatly.
Policy deductibles
One frequently asked question is how low should you set your deductibles. The rates below can help you visualize the differences in price between low and high deductibles. The first data table uses a $250 deductible for comp and collision and the second set of rates uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tahoe LS 2WD | $342 | $576 | $442 | $26 | $132 | $1,543 | $129 |
| Tahoe LS 4WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Tahoe LT 2WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Tahoe LT 4WD | $386 | $576 | $442 | $26 | $132 | $1,587 | $132 |
| Tahoe LTZ 2WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Tahoe LTZ 4WD | $386 | $678 | $442 | $26 | $132 | $1,689 | $141 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tahoe LS 2WD | $278 | $464 | $442 | $26 | $132 | $1,342 | $112 |
| Tahoe LS 4WD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Tahoe LT 2WD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Tahoe LT 4WD | $314 | $464 | $442 | $26 | $132 | $1,378 | $115 |
| Tahoe LTZ 2WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Tahoe LTZ 4WD | $314 | $546 | $442 | $26 | $132 | $1,460 | $122 |
| Get Your Own Custom Quote Go | |||||||
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include multi-policy, homeowner, multi-vehicle, safe-driver, and claim-free. Table data does not factor in your specific San Jose location which can alter rates substantially.
Based on the figures above, using a $250 deductible could cost the average driver approximately $18 more each month or $216 for a full year averaged for all Tahoe models than quoting the higher $500 deductible. Due to the fact that you would have to pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you usually have at a minimum 14 months between claim filings, you would probably save some money if you decide on a higher deductible.
Males versus Females
The example below shows the difference between Chevy Tahoe car insurance costs for male and female drivers. The costs are based on no driving violations, no at-fault accidents, comprehensive and collision coverage, $250 deductibles, marital status is single, and no discounts are factored in.
Does full coverage make sense?
The illustration below shows the difference between Chevy Tahoe insurance rates with full physical damage coverage compared to only buying liability only. The rates are based on no claims or violations, $1,000 deductibles, single status, and no discounts are taken into consideration.
Are you wasting money paying for full coverage?
There is no exact rule to delete full coverage, but there is a general guideline. If the yearly cost of full coverage is more than around 10% of the settlement you would receive from your company, then you may need to consider dropping full coverage.
For example, let’s pretend your Chevy Tahoe claim settlement value is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled, you would only receive $8,000 after paying the physical damage deductible. If premiums are more than $800 annually for full coverage, the it may be a good time to stop paying for full coverage.
There are some situations where only buying liability is not financially feasible. If you haven’t paid off your loan, you have to keep full coverage to protect the lienholder’s interest. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage.
Seven factors that determine insurance rates
Lots of things are considered when pricing auto insurance. Most are fairly basic such as your driving record, but some are more transparent like where you live or your financial responsibility.
The factors shown below are a few of the “ingredients” used by insurance companies to determine prices.
Rates are affected by your address – Residing in less populated areas of the country can be a good thing when insuring your vehicles. Residents of big cities regularly have traffic congestion and longer commute times. Lower population translates into fewer accident claims in addition to fewer liability claims.
No policy lapses lowers prices – Not maintaining insurance is a misdemeanor and any future policy may cost more because you let your insurance coverage expire. And not only will your rates increase, failure to provide proof of insurance may earn you a revoked license or a big fine.
Keep the miles off and save – The more miles you rack up on your Chevy in a year the more you’ll pay to insure it. Most insurance companies rate vehicles based on how the vehicle is used. Autos left parked in the garage qualify for better rates than those used for commuting. Having an incorrect usage rating on your Tahoe may be costing you. Double check that your insurance policy correctly shows how each vehicle is driven.
Do you really need to file that insurance claims? – Companies in California provide discounts to policyholders who do not rely on their insurance for small claims. If you file claims often, you can definitely plan on much higher rates or policy non-renewal. Auto insurance is intended to be relied upon for larger claims.
Marriage can save you money – Having a spouse may cut your premiums on your policy. Marriage means you’re more mature and it’s proven that drivers who are married file infrequent claims.
Bundle and save – Many companies will award a discount to buyers who carry more than one policy such as combining an auto and homeowners policy. Even if you already get this discount, consumers should still compare other San Jose Tahoe insurance rates to confirm you are receiving the best rates possible.
Does your occupation cost you more? – Occupations like doctors, airline pilots, and emergency personnel tend to have higher average rates attributed to high stress and lots of time spent at work. On the flip side, careers like actors, historians and the unemployed have the lowest average rates.
Chevy Tahoe insurance loss statistics – Companies include the past claim history for a vehicle to help determine the price you pay. Vehicles that the data shows to have higher claim amounts or frequency will have higher rates.
The information below illustrates the actual insurance loss data for Chevy Tahoe vehicles. For each insurance policy coverage type, the claim probability for all vehicles combined as an average equals 100. Values that are 100 or less mean the vehicle has better than average losses, while values over 100 indicate more frequent claims or a tendency for claims to be larger.
| Make and 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 |
Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years
Local San Jose car insurance agents
A small number of people would rather visit with an insurance agent and we recommend doing that Good insurance agents are highly skilled in risk management and help submit paperwork. The best thing about getting online price quotes is that you can obtain cheaper prices but still work with a licensed agent.
Upon completion of this quick form, the quote information gets sent to local insurance agents in San Jose that can provide free San Jose car insurance quotes for your business. It simplifies rate comparisons since you won’t have to find an agent on your own due to the fact that quote results will go to you instantly. If you wish to get a price quote from a specific insurance company, you would need to navigate to their website and fill out the quote form the provide.
Selecting a provider shouldn’t rely on just the quoted price. Any agent in San Jose should be willing to answer these questions.
- Will vehicle repairs be made with aftermarket parts or OEM replacement parts?
- Do they regularly work with personal auto policies in San Jose?
- Does the agency provide any after hours assistance?
- Is the agency involved in supporting local community causes?
- Do they carry Errors and Omissions coverage?
- If your car is totaled, how to they determine the replacement cost?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
Types of auto insurance agents
When searching for a good San Jose insurance agent, you should know the different types of agencies that differ in how they can insure your vehicles. Agents in San Jose are either independent or exclusive depending on the company they work for. Either one can sell and service insurance coverage, but it’s good to learn the differences because it can impact the type of agent you choose.
Exclusive Insurance Agencies
Exclusive insurance agents can only quote rates from one company like Allstate, State Farm and Farmers Insurance. Exclusive agencies are unable to shop your coverage around so keep that in mind. Exclusive insurance agents are highly trained on their company’s products which aids in selling service over price. Many people purchase coverage from exclusives mostly because of the brand rather than low price.
The following are San Jose exclusive insurance agents that can give you price quotes.
- Jim Fiorentino – State Farm Insurance Agent
3150 Almaden Expy #204 – San Jose, CA 95118 – (408) 267-3276 – View Map - Joe Fiorentino – State Farm Insurance Agent
1153 Redmond Ave Ste C – San Jose, CA 95120 – (408) 927-7526 – View Map - Tina Choi – State Farm Insurance Agent
4300 Stevens Creek Blvd #130 – San Jose, CA 95129 – (408) 247-4713 – View Map
Independent Agents (or Brokers)
Independent agencies do not have single company limitations and that allows them to write policies through many different insurance companies and find the cheapest rate. To move your coverage to a new company, they simply move the coverage in-house and the insured can keep the same agent.
When shopping rates, we highly recommend that you include rate quotes from at least one independent agent in order to have the best price comparison. Most have the option of insuring with small mutual carriers that can offer cheaper rates than bigger companies.
Below are independent agents in San Jose that are able to give rate quotes.
- San Jose Insurance
2542 S Bascom Ave – Campbell, CA 95008 – (408) 371-3700 – View Map - Mission Counties Insurance Agency
1777 Hamilton Ave – San Jose, CA 95125 – (408) 979-8160 – View Map - All Spectrum Insurance Brokers
4010 Moorpark Ave #117 – San Jose, CA 95117 – (408) 604-0092 – View Map
Do the work, save more money
Insureds leave their current company for a variety of reasons including high rates after DUI convictions, unfair underwriting practices, poor customer service and even lack of trust in their agent. It doesn’t matter what your reason, switching auto insurance companies can be pretty painless.
When buying insurance coverage, don’t be tempted to skimp on critical coverages to save a buck or two. There are a lot of situations where someone dropped full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. The goal is to find the BEST coverage at a price you can afford, but do not skimp to save money.
Cheaper auto insurance in San Jose can be sourced online as well as from independent agents in San Jose, and you should compare price quotes from both to have the best chance of lowering rates. Some companies may not provide rate quotes online and these small, regional companies prefer to sell through local independent agencies.
How to buy lower priced Chevy Tahoe insurance in San Jose
The best way we recommend to find more affordable auto insurance rates in San Jose is to compare prices annually from companies who provide auto insurance in California. You can compare prices by following these guidelines.
- Learn about how insurance companies determine prices and the measures you can take to prevent expensive coverage. Many things that cause high rates such as your driving record and a bad credit rating can be remedied by being financially responsible and driving safely.
- Get rate quotes from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only quote rates from one company like GEICO and State Farm, while agents who are independent can quote rates from multiple insurance companies. Get quotes now
- Compare the price quotes to your existing policy to see if a cheaper price is available in San Jose. If you find a lower rate, make sure there is no lapse between the expiration of your current policy and the new one.
- Give notification to your agent or company of your decision to cancel your current car insurance policy. Submit any necessary down payment along with the completed application to the new company. Once the application is submitted, keep the new proof of insurance certificate with your vehicle’s registration.
One tip to remember is to try to compare similar deductibles and liability limits on every quote request and and to get quotes from every insurance company. This ensures an apples-to-apples comparison and the best price quote selection.
To read more, take a look at the articles below:
- Teen Driver Licensing Information (iihs.org)
- Who Has the Cheapest San Jose Car Insurance Quotes for a Toyota Camry? (FAQ)
- Who Has Affordable Auto Insurance for Good Students in San Jose? (FAQ)
- What Car Insurance is Cheapest for High Mileage Drivers in San Jose? (FAQ)
- Eight Auto Insurance Myths (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)