A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products, including home, life, auto, and commercial, and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, mainly in the insuranc...

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Reviewed by Leslie Kasperowicz
Farmers Insurance CSR 4 Years

UPDATED: Oct 27, 2021

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The expected price car insurance for a Chevy Tahoe can vary considerably depending on numerous factors. Several factors involve the vehicle itself while others involve facts about you and the people in your household. Some of the factors are items over which you have no control, while others can be amended to get the best rates possible.

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Although companies may use the same general guidelines for setting their insurance rates, those rates can vary drastically from one insurance firm to another. Your rates will also vary based on the types and amount of coverage you choose.

Chevy Tahoe Variations

You can opt for several variations of the 2012 Chevy Tahoe, and other model years also come in various styles. One thing that remains consistent is the Tahoe’s overall class, which is that of a mid-size SUV.

Three trim levels are available for the 2012 Tahoe, each one more expensive and elaborate than the last. The lowest level is the base LS trim, followed by the LT and the top-notch LTZ. An additional variation for the LTZ is its availability as a hybrid, U.S. News reports.

Improvements overall for the 2012 model over past years include a hill assist and trailer sway control feature. Improvements on the LTZ variations include a blind zone alert on the side and a heated steering wheel. Improvement on both the LTZ and LT trim levels include heated and cooled front seats.

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Chevy Tahoe Benefits

U.S. News says the Tahoe is one of the better and more affordable SUVs on the market, particularly when it comes to fuel economy for a vehicle of its class. It also receives high marks for its notable towing and seating capacity, with the ability to seat up to nine people inside the SUV.

Additional praise for the vehicle includes comfort levels, maneuverability, and impressively large cargo area. Specifics from the Chevrolet website put the towing capacity at 8,500 pounds, the cargo area at 108.9 cu. ft. and 21 mpg for highway driving.

All trim levels of the 2012 Chevy Tahoe feature a Vortec 5.3 liter V8 engine.

Optional features include chrome wheels, an off-road suspension package, and a back entertainment system that can play DVDs. A driver information center, which features readouts of the vehicle functions and mileage, is another feature of the vehicle.

How Chevy Tahoe Variations Play a Role in Insurance Rates

One of the most obvious factors about the Tahoe that may affect your insurance rates is the price. The more a vehicle costs to purchase or lease, the more the vehicle is going to cost to insure. Higher trim levels with more elaborate features typically cost more than base models with minimal add-ons.

One example of an additional feature that may boost the price is the back DVD entertainment center. If you add any electronics or other enhancements on top of those that come with the vehicle, those features may not be covered on a standard policy and you may need to purchase additional insurance to cover those options exclusively.

Chevy Tahoe features that can help lower your rates include safety and security devices, according to the Idaho Department of Insurance. Safety devices available in the 2012 Chevy Tahoe include air bags for the driver, front passenger, and passengers in the back, for a total of six air bags in all. Electronic stability control, traction control, and anti-lock brakes are additional safety features.

Each 2012 model is constructed with a steel safety cage, another plus for safety, and buyers receive six months of free OnStar Automatic Crash Response. This feature lets you automatically contact emergency help if you happen to be in a crash.

While it is unclear what security devices are available with the 2012 model, there are several that may help keep your premiums lower. Any device that helps prevent theft or assists with recovering the vehicle after a theft are included on the list. These may include vehicle alarms, automatic ignition shut-off, brake or wheel locks, and tracking devices that automatically alert authorities if your Tahoe is stolen.

Personal Factors that Play a Part in Insurance Rates

Several personal factors go into setting your insurance rates, according to the Illinois Department of Insurance, and they may or may not be beyond your control.

A couple of factors you cannot control include your age and gender. Insurance companies look at statistics to determine which drivers pose the highest risks, and young males typically fit the bill. Marital status plays a part in some cases, with single young males usually posing a greater risk than married young males when it comes to being involved in a crash.

Your driving record is generally a huge determining factor for your insurance rates.

A poor driving record with a history of violations, claims and accidents is generally going to net a higher insurance rate than a good driving record. Insurance companies not only look at these factors for you, or the policyholder, but they examine those of all drivers in your immediate household.

Where you live can also contribute to your car insurance rates. Living in a highly populated urban area with high crime rates and risk of accidents may cost you more than living in a rural area where crime and accidents are both less likely. You may also find lower rates if you park your vehicle in a secure location, such as a covered garage, than you would if you kept it on the streets all night.

One more personal factor that can play a role in your car insurance rates is your credit rating. A poor credit history, low rating, and long list of debts can merit higher rates. Insurance companies may determine you pose a higher risk of paying your insurance premiums on time or at all.

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How Vehicle Use Plays a Part in Car Insurance

How you or household members use your Tahoe also plays a role in your insurance rates. Using the vehicle infrequently, which results in a low annual mileage, generally translates to a lower insurance rate.

Using your vehicle solely for pleasure may cost less than using your vehicle daily to commute to work. You may face even higher rates if you regularly use your Tahoe for work-related purposes, such as making deliveries, hauling cargo, or transporting passengers.

Coverage Types and Limits

The types of coverage you purchase, as well as the amount of each coverage, have a direct link to the amount of premium you will pay. Multiple coverage types and high limits generally result in higher premiums that minimal coverage and limits.

Each state has its own set of laws regarding the absolutely minimum amount and type of car insurance you must have to legally drive in that particular state. Although keeping your insurance limits and types at the minimum may cost the least amount of money, it may not be adequate for your needs.

This may especially apply for a 2012 Tahoe or newer model that may cost a lot to repair or replace. Since some states may not require comprehensive or collision coverage on your own vehicle, you may end up paying all repair or replacements costs out of your pocket if you are in a crash that was your fault.

The amount of your deductibles can also alter your rates, with a higher deductible generally resulting in a lower premium. Once again, however, you would responsible for paying out of pocket until you meet the deductible and the insurance coverage kicked in.

Additional Tips for Buying Car Insurance

Car insurance discounts are often available for various reasons, and some may apply to you and your Tahoe. Car insurance companies may offer discounts for being a good driver, having low annual mileage, insuring more than one vehicle with the same company, or holding more than one type of policy.

Although price may be an important point when purchasing car insurance, it may not be the only important point. A reputable company with a strong financial standing may be preferable to one that is little known or has less financial stability.

A car insurance company with a stellar history of customer service may beat out one that is riddled with complaints. Comparing several car insurance companies is one of the best ways to help ensure you receive fair rates while obtaining the coverage you want for your Chevy SUV.

Check out competitive rates for Chevy Tahoe car insurance by entering your ZIP in our FREE tool!