1993 GMC Suburban Car Insurance Rates

Being forced to pay for expensive insurance coverage premiums can dry up your family’s budget and force you to cut corners elsewhere. Doing a rate comparison can be a smart way to make sure you’re not throwing money away.

Big companies like State Farm, Geico and Farmers Insurance all claim big savings with catchy ads and consumers find it hard to not get sucked in by the cute commercials and find the best price available.

It’s a great practice to price shop coverage on a regular basis because insurance coverage prices change frequently. Even if you think you had the lowest rates on Suburban coverage a couple years back a different company probably has better rate quotes today. You can find a lot of misleading information regarding insurance coverage on the web, but in this article, you’re going to get the best ways to stop overpaying for insurance.

Discounts for cheaper insurance rates

Insurance can be prohibitively expensive, but companies offer discounts that could help you make your next renewal payment. Some discounts will apply at the time of purchase, but once in a while a discount must be asked about before you get the savings. If you check and find you aren’t receiving every discount available, you’re just leaving money on the table.

  • Switch and Save Discount – A few insurance companies allow discounts for signing up before your current coverage expires. It could save around 10% when you buy insurance online.
  • Military Discounts – Having an actively deployed family member could qualify you for better prices.
  • Use Seat Belts – Drivers who require all vehicle occupants to fasten their seat belts could cut 10% or more on the premium charged for medical payments and/or PIP.
  • Multi-line Discount – If the company offers life insurance, you could get a lower premium rate if you buy some life insurance too.
  • Accident Forgiveness – Not really a discount, but some insurance companies will let one accident slide before hitting you with a surcharge with the catch being you have to be claim-free for a particular time prior to the accident.
  • Responsible Driver Discount – Drivers without accidents can save as much as half off their rates on Suburban coverage as compared to drivers with claims.

As a sidenote, most discount credits are not given to your bottom line cost. Some only apply to the price of certain insurance coverages like comprehensive or collision. So even though they make it sound like having all the discounts means you get insurance for free, nobody gets a free ride.

If you would like to see a list of companies with the best insurance discounts, click here.

The cheapest auto insurance rate quotes

Getting a low cost price on 1993 GMC Suburban insurance doesn’t have to be difficult. Consumers just need to take a few minutes comparing rate quotes from online providers. It’s super easy and can be done by following the guidelines below.

  1. The easiest and least time consuming way to get the best comparison quotes is a comparison rater form click here to open form in new window. This style of form prevents you from having to do separate quote forms for every company. One form submission gets you coverage quotes instantly.
  2. A less efficient way to analyze rates is going to each company website and go through the quote process again. For instance, let’s say you want comparison quotes from State Farm, Progressive and GMAC. To do that, you would have to spend time going to each site individually and type in your information over and over, which is why first method is reommended.

    To view a list of companies in your area, click here.

You can use whichever method you prefer to find lower rates, just make sure you are using apples-to-apples coverage limits for each comparison quote. If each company quotes different data it will be next to impossible to decipher which rate is best.

Tailor your insurance coverage to you

When it comes to buying coverage for your vehicles, there really is no cookie cutter policy. Every insured’s situation is different so this has to be addressed. These are some specific questions may help you determine whether or not you would benefit from an agent’s advice.

  • Am I covered when driving a rental car?
  • Can my babysitter drive my car?
  • Why do I need rental car insurance?
  • If my pet gets injured in an accident are they covered?
  • What if I owe more than I can insure my car for?
  • What is UM/UIM insurance?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Car insurance 101

Learning about specific coverages of a insurance policy can help you determine appropriate coverage and proper limits and deductibles. Policy terminology can be confusing and nobody wants to actually read their policy. Listed below are typical coverage types found on most insurance policies.

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things such as a tree branch falling on your vehicle, theft, vandalism, hitting a bird and hitting a deer. The most a insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Liability coverages – Liability coverage protects you from damage or injury you incur to people or other property that is your fault. It protects you from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that means you have $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability insurance covers claims such as loss of income, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision coverage – This coverage pays for damage to your Suburban resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like hitting a mailbox, hitting a parking meter, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Another option is to choose a higher deductible to save money on collision insurance.

Medical costs insurance – Medical payments and Personal Injury Protection insurance kick in for expenses like prosthetic devices, doctor visits, hospital visits and rehabilitation expenses. They are used to fill the gap from your health insurance policy or if there is no health insurance coverage. It covers all vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not available in all states and may carry a deductible

UM/UIM Coverage – Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your GMC Suburban.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family.

Buy online or local, you save

We just presented some good ideas how you can save on 1993 GMC Suburban insurance. The most important thing to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even find the most savings is with a company that doesn’t do a lot of advertising. Some small companies may cover specific market segments cheaper as compared to the big name companies such as Progressive or Geico.

When buying insurance coverage, you should never buy less coverage just to save a little money. There are many occasions where someone sacrificed collision coverage to discover at claim time they didn’t purchase enough coverage. The aim is to get the best coverage possible for the lowest cost and still be able to protect your assets.

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Comments About 1993 GMC Suburban Insurance

  1. Reagan Phelps

    Thought I’d throw in my experience. I’m in the west part of Birmingham, AL. Got quotes from USAA, American Family, GMAC, and Safeco for my Suburban and saved just over $70 a year. It’s too old for full coverage.

  2. Leta Parsons

    Does GEICO insure teenage drivers?

  3. Lina Rice

    Great site. I’m just north of Nampa, ID. I got free rates from Amica, Mercury, and a few others for my Suburban and cut my rates about $60 a year. I get lower rates because of my clean driving record.

  4. Hugo Mccarthy

    I’m just east of Cranston, RI. Quoted quotes from AIG Insurance, Safeco, and Western Auto Insurance for my Suburban and saved just over $110 a year. Even increased my liability limits.

  5. Gerard Moran

    It’s all a rip off. I’m in the east part of Green Bay, WI. Quoted with State Farm, Auto-Owners, and Erie for my GMC and saved about $90 a year. Can still barely afford it. I dropped full coverage awhile back.

  6. Celestina Baldwin

    If you have a good history and live around Lincoln, NE, check out Allstate. They seem to be cheaper. I’m a pretty good driver though.

  7. Lissette Kelly

    Affordable car insurance is a myth. Live in Springfield, MA. Received prices from Travelers, American Family, GMAC, and Safeco for my 1993 GMC Suburban and saved just over $70 a year. Good multi-policy discounts. Just waiting to see how claims go. Only insure liability on my GMC.

  8. Delcie Campbell

    Where is cheaper car insurance? Live in the eastern part of Gaithersburg, MD. I quoted with Amica, Sentry, and Travelers for my GMC and I think I saved around $20 each month. You can get a rate quote online.

  9. Jannet Atkinson

    Here’s my quote info. I live just to the north of Mobile, AL. Quoted with Auto-Owners, Sentry, and USAA for my 1993 GMC Suburban and saved just over $60 a year.

  10. Lottie Blair

    I got quite a few price quotes for a 1993 GMC Suburban in Gulfport, MS. Ended up at right around $100 every six months with Amica. Even increased my liability limits.