Would you like to stop overpaying and find lower-priced car insurance rates in Seattle, WA? Seattle shoppers have lots of choices when shopping for low-cost Chevy Tahoe insurance. You can either waste hours driving around to compare prices or save time using the internet to compare rates.
There is a better way to compare car insurance rates and we’ll show you the absolute fastest way to compare rates on a Chevy and locate the cheapest rates from Seattle insurance agents and online providers.
Remarkably, a study showed that most car insurance policyholders have purchased from the same company for at least the last four years, and just under half have never even compared rates from other companies. Most drivers in Seattle could save themselves as much as $400 a year just by comparing rates, but they mistakenly think it’s difficult to save money by comparing rate quotes.
These discounts can lower your insurance rates
Insurance is not inexpensive, but you may find discounts that could drop your premiums quite a bit. Larger premium reductions will be automatically applied when you get a quote, but some discounts are required to be specially asked for before they will apply. If you’re not getting every credit you deserve, you are just wasting money.
- Lower Rates for Military – Having a deployed family member can result in better prices.
- Defensive Driver Discounts – Completing a class that teaches defensive driving techniques could save 5% or more and make you a better driver.
- Student Discounts – This discount could provide a savings of up to 20% or more. Earning this discount can benefit you well after school through age 25.
- Employee of Federal Government – Being employed by or retired from a federal job can save as much as 8% with some insurance companies.
- Passive Restraints – Factory air bags or automatic seat belts can receive discounts up to 30%.
- Accident Waiver – Not necessarily a discount, but certain companies will turn a blind eye to one accident without the usual rate increase so long as you are claim-free prior to the accident.
Consumers should know that some credits don’t apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like all those discounts means the company will pay you, you aren’t that lucky.
Car insurance companies that may offer these benefits may include but are not limited to:
Before you buy a policy, ask every prospective company what discounts are available to you. Some of the discounts discussed earlier might not be available to policyholders everywhere. To see a list of insurers with the best discounts in Seattle, click this link.
The method we recommend to compare car insurance company rates for Chevy Tahoe insurance in Seattle is to know most insurance companies provide online access to provide you with a free rate quote. All you need to do is provide a small amount of information like how much school you completed, the ages of drivers, distance driven, and how your vehicles are used. The rating information is sent automatically to multiple auto insurance providers and they respond with quotes quickly.
To check rates for your Chevy Tahoe now, click here and find out if lower rates are available in Seattle.
The companies shown below provide free rate quotes in Washington. If several companies are displayed, we recommend you visit as many as you can in order to get a fair rate comparison.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tahoe LS 2WD | $136 | $236 | $300 | $18 | $90 | $780 | $65 |
| Tahoe LS 4WD | $180 | $304 | $310 | $18 | $92 | $904 | $75 |
| Tahoe LT 2WD | $222 | $396 | $334 | $20 | $100 | $1,072 | $89 |
| Tahoe LT 4WD | $294 | $384 | $386 | $22 | $116 | $1,202 | $100 |
| Tahoe LTZ 2WD | $222 | $444 | $334 | $20 | $100 | $1,120 | $93 |
| Tahoe LTZ 4WD | $204 | $420 | $356 | $22 | $106 | $1,108 | $92 |
| Get Your Own Custom Quote Go | |||||||
Premium data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Washington minimum liability limits. Discounts applied include safe-driver, homeowner, multi-policy, multi-vehicle, and claim-free. Table data does not factor in specific location information which can modify insurance rates substantially.
Higher deductibles save money
The information below demonstrates how choosing different deductibles and can affect Chevrolet Tahoe yearly insurance costs for each age group. The price estimates are based on a married female driver, full coverage, and no policy discounts are applied.
Where to set your deductibles
One of the most common car insurance questions is the level to set your comp and collision deductibles. The figures shown below may help to illustrate how much more you’ll pay of buying low and high comp and collision deductibles. The first set of prices uses a $100 physical damage deductible and the second rate table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tahoe LS 2WD | $254 | $458 | $294 | $18 | $88 | $1,137 | $95 |
| Tahoe LS 4WD | $286 | $458 | $294 | $18 | $88 | $1,169 | $97 |
| Tahoe LT 2WD | $286 | $458 | $294 | $18 | $88 | $1,169 | $97 |
| Tahoe LT 4WD | $286 | $458 | $294 | $18 | $88 | $1,169 | $97 |
| Tahoe LTZ 2WD | $286 | $540 | $294 | $18 | $88 | $1,251 | $104 |
| Tahoe LTZ 4WD | $286 | $540 | $294 | $18 | $88 | $1,251 | $104 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tahoe LS 2WD | $186 | $310 | $294 | $18 | $88 | $896 | $75 |
| Tahoe LS 4WD | $208 | $310 | $294 | $18 | $88 | $918 | $77 |
| Tahoe LT 2WD | $208 | $310 | $294 | $18 | $88 | $918 | $77 |
| Tahoe LT 4WD | $208 | $310 | $294 | $18 | $88 | $918 | $77 |
| Tahoe LTZ 2WD | $208 | $364 | $294 | $18 | $88 | $972 | $81 |
| Tahoe LTZ 4WD | $208 | $364 | $294 | $18 | $88 | $972 | $81 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Prices do not factor in your specific Seattle location which can affect coverage rates considerably.
Based on the data above, we can derive that using a $100 deductible will cost you about $21 more each month or $252 a year than quoting the higher $500 deductible. Because you would be required to pay $400 more if you file a claim with a $500 deductible as compared to a $100 deductible, if you normally go at least 19 months between claim filings, you would probably come out ahead if you elect the higher deductible.
Calculation for determining deductible levels
| Average monthly premium for $100 deductibles: | $99 |
| Average monthly premium for $500 deductibles (subtract): | – $78 |
| Monthly savings from raising deductible: | $21 |
| Difference between deductibles ($500 – $100): | $400 |
| Divide difference by monthly savings: | $400 / $21 |
| Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible | 19 months |
One thing to be aware of is that raising deductibles to save money means you will have to pay more out-of-pocket when you file a claim. It will be required that you have access to more funds in the event you need to pay the deductible to have repairs made.
Yearly car insurance costs for men versus women
The chart below illustrates the difference between Chevrolet Tahoe insurance costs for male and female drivers. The price estimates are based on a clean driving record, no at-fault accidents, comprehensive and collision coverage, $100 deductibles, drivers are not married, and no policy discounts are applied.
You may want advice from an insurance agent
Certain consumers would rather get advice from a local agent and there is nothing wrong with that. Good insurance agents can help you build your policy and give you someone to call. One of the great benefits of getting online price quotes is you can get cheap insurance rates and still choose a local agent. Buying from and supporting local insurance agencies is important especially in Seattle.
After filling out this short form, the quote information is sent to local insurance agents who will give competitive quotes and help you find cheaper coverage. You never need to search for an agent since rate quotes are delivered directly to your email. If for some reason you want to get a rate quote from one company in particular, you would need to navigate to their website and fill out their quote form.
Choose the right auto insurance agent
If you want a reliable agent, it’s helpful to know the types of agencies and how they are slightly different. Insurance agencies in Seattle are considered either exclusive agents or independent agents. Either one can properly insure your vehicles, but it is a good idea to know the difference between them because it can impact buying decisions.
Independent Agents (or Brokers)
These agents are not limited to a single company and that is an advantage because they can write policies through many companies and find you cheaper rates. If premiums increase, they simply move your policy to a different company which is easy for the insured.
If you need cheaper insurance rates, you absolutely need to get rate quotes from multiple independent agents to get the most accurate price comparison. Most independent agents also contract with lesser-known insurance companies which may have better rates.
The following are Seattle independent agents that can give you price quotes.
- Ati Agency Inc
2150 N 107th St # 460 – Seattle, WA 98133 – (206) 522-9200 – View Map - Northwest Insurance Group
6055 California Ave SW – Seattle, WA 98136 – (206) 932-2500 – View Map - Christopher Togawa Insurance Agency
222 Etruria St # 110 – Seattle, WA 98109 – (206) 838-9450 – View Map
Exclusive Insurance Agents
Exclusive insurance agents have only one company to place business with like Allstate, State Farm and Farm Bureau. Exclusive agents cannot compare rates from other companies so they have no alternatives for high prices. Exclusive insurance agents receive a lot of sales training in insurance sales and that allows them to sell at a higher price point. Consumers often buy from the same agent for years partially due to high brand loyalty rather than having the cheapest rates.
Listed below are exclusive agents in Seattle willing to provide rate quotes.
- Raymond Insurance-Pemco and Progressive
6011 California Ave SW – Seattle, WA 98136 – (206) 933-8812 – View Map - Allstate Insurance: Barry V. Hasson
7721 Aurora Ave N – Seattle, WA 98103 – (206) 782-5191 – View Map - Andy Hubbard – State Farm Insurance Agent
1515 NW 52nd St a – Seattle, WA 98107 – (206) 789-4211 – View Map
Selecting a car insurance agent requires you to look at more than just the premium amount. Here are some questions you might want to ask.
- If you have an accident, will your rates go up?
- Will high miles depreciate repair valuations?
- Does the company allow you to choose your own collision repair facility?
- Are they in the agency full-time?
- What companies can they write with?
Cover all your bases
You just learned a lot of tips how to find lower-cost Chevy Tahoe insurance in Seattle. The most important thing to understand is the more quotes you get, the better likelihood of getting affordable Chevrolet Tahoe insurance quotes. Consumers may even find the most savings is with a small mutual company.
More affordable insurance in Seattle can be bought from both online companies and also from your neighborhood Seattle agents, so you need to shop Seattle auto insurance with both to get a complete price analysis. There are still a few companies who don’t offer online quoting and many times these regional carriers only sell through independent agents.
As you shop your coverage around, it’s very important that you do not sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced full coverage and learned later they didn’t purchase enough coverage. Your goal is to buy the best coverage you can find at the lowest possible cost while still protecting your assets.
To learn more, take a look at the following helpful articles:
- Red Light Cameras (State Farm)
- What Car Insurance is Cheapest for a Ford Fusion in Seattle? (FAQ)
- Who Has the Cheapest Auto Insurance for Good Drivers in Seattle? (FAQ)
- What Insurance is Cheapest for Safe Drivers in Seattle? (FAQ)
- What Auto Insurance is Cheapest in Seattle, Washington? (FAQ)
- Older Drivers FAQ (iihs.org)
- Speed and Speed Limit FAQ (iihs.org)
- Collision Insurance Coverage (Nationwide)