Buying competitive auto insurance for a Chevrolet Traverse is fairly simple, but it is dependent upon many rating factors such as your age, where you live, and violations on your driving record. Pennsylvania drivers pay approximately $1,133 a year for Traverse insurance, but that figure is a valuation based upon a 40-year-old single female driver with both comprehensive and collision coverage and $100 deductibles.
The issue with using an average estimated rate is the likelihood you are not 40 years old and maybe not even female, you might be married instead of single, or maybe you are just looking for cheap liability insurance. Just a very minor change in rating variables can result in a big discrepancy in the cost of insuring your Traverse.
Car insurance coverage is unique to each driver, so this is why the only way to find the most affordable coverage for your Chevrolet is to compare as many rates as you can. It takes less than five minutes and you will get price quotes from some of the cheapest companies available.
The trim level of your vehicle tends to have a direct effect on price, so the price you will pay to insure a Traverse LS 2WD will cost $136 less than the cost to insure the more costly Traverse LTZ AWD trim level, as shown below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Traverse LS 2WD||$272||$476||$364||$22||$108||$1,242||$104|
|Traverse LS AWD||$306||$476||$364||$22||$108||$1,276||$106|
|Traverse LT 2WD||$306||$476||$364||$22||$108||$1,276||$106|
|Traverse LT AWD||$306||$578||$364||$22||$108||$1,378||$115|
|Traverse LTZ 2WD||$306||$578||$364||$22||$108||$1,378||$115|
|Traverse LTZ AWD||$306||$578||$364||$22||$108||$1,378||$115|
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Data variables include single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Pennsylvania minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, multi-vehicle, and claim-free. Table data does not factor in zip code location which can change auto insurance rates significantly.
Finding the right car insurance company is hard considering how many different companies insure vehicles in Pittsburgh. The rank data in the next section could help you choose which companies you want to consider when shopping around. These rankings are only comprised of companies with a nationwide focus, so companies with more of a regional focus are not factored into these rankings.
Top 10 Major Auto Insurers in Pittsburgh Ranked by Claims Service
- Liberty Mutual
- State Farm
- Titan Insurance
- The General
- 21st Century
The diagram below shows how choosing a deductible can change insurance rates when searching for cheap insurance for a Chevrolet Traverse. The data is based on a single male driver, full physical damage coverage, and no additional discounts are factored in.
The chart above illustrates that a 50-year-old driver could lower their policy premium by $284 a year by increasing from a $100 deductible to a $500 deductible, or save $428 by using a $1,000 deductible. Youthful drivers, such as the Age 20 example, could roll back prices $914 or more by selecting a higher deductible.
When choosing a higher deductible, it is necessary to have additional savings on hand to be able to pay the extra out-of-pocket expense associated with higher deductibles.
Discount Pittsburgh auto insurance rates
Insurance companies that provide policies for a Chevrolet Traverse may additionally offer premium discounts that can lower rates by 35% or more if you are eligible for them. Popular auto insurance companies and their offered discounts can be found below.
- Farmers Insurance includes discounts for multi-car, distant student, youthful driver, good student, and bundle discounts.
- State Farm offers discounts for anti-theft, safe vehicle, multiple policy, good student, student away at school, and accident-free.
- Liberty Mutual has discounts for new vehicle discount, teen driver discount, multi-car, multi-policy, new move discount, exclusive group savings, and good student.
- MetLife offers discounts including good driver, multi-policy, accident-free, claim-free, and defensive driver.
- Progressive may offer discounts for continuous coverage, online signing, multi-policy, online quote discount, multi-vehicle, good student, and homeowner.
The information below illustrates the comparison of insurance premiums with and without some available policy discounts. The premiums assume a male driver, no violations or claims, Pennsylvania state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple vehicle, safe-driver, vehicle safety, marriage, defensive driving course, and passive restraint discounts applied. When drivers qualify for the discounts, the average amount saved each year on auto insurance for a Chevrolet Traverse is 28% or $438.
Why you are probably overpaying for Traverse insurance
Pittsburgh auto insurance rates are determined by lots of factors that may substantially change the price you have to pay for coverage. Simply improving your credit, having a teen driver, or getting a driving violation can trigger changes in premium that can now make some companies cheaper than competitors. In addition, car insurance companies file new Pennsylvania auto insurance rates as needed in order to be able to pay unexpected claims. An unexpected high level of claims can result in higher priced premiums, while lower claims may result in more affordable Traverse insurance rates.
The bar chart below analyzes the cheapest car insurance in Pittsburgh, PA for a 40-year-old male driver with no violations or accidents, and good financial standing. If we compare prices based on his current risk factors, General Casualty might quote the lowest car insurance rates in Pittsburgh at $896 annually. This is $761 less than the average price paid by Pennsylvania drivers of $1,657. USAA, Travelers, Erie, and Penn National are also included in the most affordable Pittsburgh, PA auto insurance companies.
The chart below compares rates after we give the driver from above a claim or two, less-than-perfect credit, and a few blemishes on his driving record. Since each auto insurance company has their own process for setting rates, analyzing rate quotes most likely will result in a different list of the cheapest companies as shown below.
Auto-Owners now has the lowest price on auto insurance in Pittsburgh with Atlantic States, USAA, Donegal Mutual, and Erie now being in the top five. This example shows why consumers need to take the time to compare as many rates as possible to get the most budget-friendly car insurance quotes for a Chevrolet Traverse.
Insurance rates are determined by many factors and can decrease or increase without notice, so the best company three years ago may now be costing you a lot of money.
Tips for finding budget-friendly auto insurance for a Chevrolet Traverse
The list below details some penny-pinching suggestions that can help Pennsylvania drivers quote more affordable car insurance.
- Buying home and auto together can help save money
- Be a cautious driver
- Drive a car with a high safety rating
- Avoid having at-fault accidents
- Claim-free drivers earn discounts
- Compare rates once a year for cheaper prices
The last tip in the list is remarkably significant, as we discussed in this piece. Prices can change considerably based on profitability, so don’t hesitate to buy from a different company if you can save money.
Many drivers tend to have loyalty to a certain company, but it’s not a great idea if that faithfulness ends up costing you lots of hard earned cash every month. It takes less than five minutes to compare rates and find cheaper insurance for a Chevrolet Traverse in Pittsburgh.
If you aren’t sure which coverage to buy and prefer to get some professional advice when buying car insurance for a Traverse, the insurance agencies below are willing to aid you in deciding which is the best policy.
To locate a Pittsburgh car insurance agency near you, click the button after the list or click here to compare rates now.
- Hurley Insurance Brokers
3508 Fifth Ave – Pittsburgh, PA 15213 – (412) 682-6100
- Jack Dumbaugh – State Farm Insurance Agent
1236 Grove Rd – Pittsburgh, PA 15234 – (412) 884-8100
- Kartsonas Agency, Inc.
421 Cochran Rd – Pittsburgh, PA 15228 – (412) 563-5900
- Casper Insurance Agency, Inc.
611 Mt Royal Blvd – Pittsburgh, PA 15223 – (412) 486-9200
- Feeney Insurance Agency
1350 Old Freeport Rd – Pittsburgh, PA 15238 – (412) 963-8850