Insurance quote for Chevy Traverse in St. LouisAre you looking for a better way to compare lower-priced Chevy Traverse insurance in St. Louis? I doubt anyone likes buying auto insurance, especially when they know their premiums are too high.

Unthinkable but true, most auto insurance policyholders in Missouri kept their coverage with the same auto insurance company for over three years, and approximately 38% of consumers have never quoted rates to find affordable coverage. With the average auto insurance premium being $1,847, U.S. drivers could cut their rates by almost 46.5% a year just by shopping around, but most just don't grasp the rate savings if they switched to a more affordable policy. There is such a variety of auto insurance companies to purchase coverage from, and even though it's nice to have a selection, having more car insurance companies makes it harder to find the lowest cost provider for Chevy Traverse insurance in St. Louis.

The providers in the list below are our best choices to provide comparison quotes in St. Louis, MO. If multiple providers are shown, it's a good idea that you visit several of them to get the best price comparison.

Chevrolet Traverse Insurance Estimates in St. Louis, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Traverse LS 2WD $178 $290 $218 $12 $66 $764 $64
Traverse LS AWD $124 $184 $256 $16 $76 $656 $55
Traverse LT 2WD $164 $180 $296 $18 $88 $746 $62
Traverse LT AWD $124 $224 $256 $16 $76 $696 $58
Traverse LTZ 2WD $160 $268 $306 $18 $92 $844 $70
Traverse LTZ AWD $248 $468 $294 $18 $88 $1,116 $93
Get Your Own Custom Quote Go

Cost estimates assume single female driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include multi-policy, multi-vehicle, homeowner, claim-free, and safe-driver. Prices do not factor in your specific St. Louis location which can affect rates significantly.

Physical damage deductibles

One of the hardest decisions when shopping for auto insurance is which comprehensive and collision deductibles to buy. The comparisons below may help you to understand the costs and benefits when you choose different insurance deductibles. The first pricing table uses a $100 physical damage deductible and the second data table uses a $500 deductible.

Chevrolet Traverse insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Traverse LS 2WD $230 $340 $226 $14 $68 $903 $75
Traverse LS AWD $258 $340 $226 $14 $68 $931 $78
Traverse LT 2WD $258 $340 $226 $14 $68 $931 $78
Traverse LT AWD $258 $414 $226 $14 $68 $1,005 $84
Traverse LTZ 2WD $258 $414 $226 $14 $68 $1,005 $84
Traverse LTZ AWD $258 $414 $226 $14 $68 $1,005 $84
Get Your Own Custom Quote Go
Chevrolet Traverse insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Traverse LS 2WD $168 $230 $226 $14 $68 $706 $59
Traverse LS AWD $188 $230 $226 $14 $68 $726 $61
Traverse LT 2WD $188 $230 $226 $14 $68 $726 $61
Traverse LT AWD $188 $280 $226 $14 $68 $776 $65
Traverse LTZ 2WD $188 $280 $226 $14 $68 $776 $65
Traverse LTZ AWD $188 $280 $226 $14 $68 $776 $65
Get Your Own Custom Quote Go

Data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, multi-vehicle, and homeowner. Rates do not factor in specific garaging location which can decrease or increase coverage prices noticeably.

Using the data above, we can ascertain that using a $100 deductible will cost you about $18 more each month or $216 each year than quoting the higher $500 deductible. Due to the fact that you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you have more than 22 months between claim filings, you would probably save some money going with the higher deductible.

How to determine if raising deductibles makes sense

Average monthly premium for $100 deductibles: $81
Average monthly premium for $500 deductibles (subtract): - $63
Monthly savings from raising deductible: $18
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $18
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 22 months

Drive responsibly or pay higher rates

The chart below demonstrates how citations and at-fault collisions influence Chevrolet Traverse insurance costs for each different age group. The costs are based on a single female driver, comp and collision included, $250 deductibles, and no discounts are taken into consideration.

Three reasons to not skimp on auto insurance

Despite the high cost of buying insurance for a Chevy Traverse in St. Louis, maintaining insurance is mandatory in Missouri but it also protects more than you think.

The benefits of buying enough insurance more than offset the price you pay, particularly when you have a large claim. According to a 2015 survey, the average American driver is wasting up to $869 every year so compare quotes from several companies once a year at a minimum to be sure current rates are still competitive.

How Insurance Providers Calculate Chevy Traverse Insurance Costs

Many different elements are used in the calculation when you quote your car insurance policy. Some are obvious such as traffic violations, although some other factors are less apparent like your vehicle usage and annual miles driven.

Shown below are a few of the things utilized by car insurance companies to help set your rates.

Affordable St. Louis auto insurance rates with discounts

Insurance can be prohibitively expensive, but you might be missing out on some discounts that you may not know about. Many of these discounts will be applied automatically when you purchase, but some need to be requested specifically before you will receive the discount.Discount auto insurance

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only apply to specific coverage prices like medical payments or collision. If you do the math and it seems like all those discounts means the company will pay you, insurance companies wouldn't stay in business.

Larger auto insurance companies and a partial list of their discounts are:

When comparing rates, check with all the companies what discounts are available to you. A few discounts might not be offered everywhere. For a list of auto insurance companies with the best discounts in Missouri, follow this link.

Everyone needs different auto insurance coverages

When quoting and comparing insurance from an agent or online, there is no best way to insure your cars. Each situation is unique and a cookie cutter policy won't apply.Higher deductibles save money These are some specific questions could help you determine whether you might need professional guidance.

If you're not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find an agent in your area, simply complete this short form or you can also visit this page to select a carrier It's fast, free and can help protect your family.

Independent and exclusive insurance agencies

A small number of people still like to talk to an insurance agent and doing so can bring peace of mind Most agents can answer important questions and help you file claims. One of the great benefits of comparing auto insurance online is the fact that you can find better rates and still buy from a local agent.

For easy comparison, once you complete this form (opens in new window), your information is instantly submitted to local insurance agents in St. Louis that provide free St. Louis auto insurance quotes for your auto insurance coverage. You never need to search for an agent because quoted prices will be sent instantly to you. In the event you want to compare rates from a specific company, you just need to visit that company's website to submit a rate quote request.

Picking an company should depend on more than just a cheap price quote. These are some questions you should get answers to.

Pick the best auto insurance agent in St. Louis for you

If you need to find a local agent, there are two different types of agencies from which to choose. Auto insurance agents are classified as either independent agents or exclusive agents depending on their employer. Both do a good job, but it's worth mentioning the differences because it can factor into buying decisions.

Exclusive Insurance Agencies

Exclusive agents normally can only provide a single company's rates like AAA, State Farm, Farmers Insurance, and Allstate. They usually cannot provide prices from multiple companies so it's a take it or leave it situation. Exclusive agents are usually well trained on what they offer which helps them sell insurance even at higher premiums.

Shown below is a list of exclusive insurance agencies in St. Louis that are able to give comparison quotes.

5013 Hampton Ave - St. Louis, MO 63109 - (314) 352-2504 - View Map

4515 Lemay Ferry Rd - St. Louis, MO 63129 - (314) 894-6000 - View Map

12122 Tesson Ferry Rd #203 - St. Louis, MO 63128 - (314) 472-7445 - View Map

View more agents

Independent Agents (or Brokers)

These agents are not required to write business for one company and that gives them the ability to insure with many different companies and get the cheapest rates. If they find a cheaper price, the business is moved internally and you won't have to switch agencies. If you are comparing rate quotes, you definitely need to get several quotes from multiple independent agents to get the most accurate price comparison.

Listed below is a list of independent insurance agencies in St. Louis who can help you get rate quotes.

8204 Gravois Rd - St. Louis, MO 63123 - (314) 781-2263 - View Map

4438 Chippewa St - St. Louis, MO 63116 - (314) 481-1000 - View Map

3537 S Kingshighway Blvd - St. Louis, MO 63139 - (314) 832-8010 - View Map

View more agents

Final considerations

We covered many ways to shop for Chevy Traverse insurance online. The most important thing to understand is the more rate comparisons you have, the higher the chance of saving money. You may even be surprised to find that the most savings is with the least-expected company. Smaller companies may have significantly lower premium rates on certain market segments compared to the large companies like Progressive or GEICO.

The cheapest Chevy Traverse insurance in St. Louis is available from both online companies as well as from insurance agents, and you need to comparison shop both to have the best chance of lowering rates. There are still a few companies who do not provide online quoting and many times these regional carriers sell through independent insurance agents.

To read more, link through to the articles below: