1994 GMC Suburban Car Insurance Quotes – 8 Tricks for Cheaper Rates

Want cheaper auto insurance rates for your GMC Suburban? Nobody rejoices having to buy auto insurance, especially when they are aware that their premiums are through the roof.

Having so many different company options, it’s nearly impossible to locate the right company.

Choosing the best insurance company for you is not rocket science. If you currently have car insurance, you should be able to reduce your rates substantially using these methods. Although vehicle owners must know how companies compete online and apply this information to your search.

Compare auto insurance rate quotes online

There are a lot of ways to compare auto insurance prices but some are less time-consuming than others. You could waste a few hours talking about coverages with insurance companies in your area, or you could use the internet to maximize your effort.

Many insurance companies participate in an industry program where prospective buyers complete one form, and each participating company then gives them pricing based on that information. This saves time by eliminating quotation requests for every auto insurance company. To use this form to compare rates click here (opens in new window).

The only downside to pricing coverage this way is buyers cannot specifically choose the companies you want pricing from. So if you prefer to pick individual companies to receive pricing from, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

It’s your choice how you get your quotes, but make sure you compare the same quote data for each price quote. If you compare unequal deductibles or liability limits you can’t possibly make a fair comparison for your GMC Suburban. Just slight variations in coverages can result in a big premium difference. Just remember that comparing a wide range of rates will enable you to find better pricing.

Car insurance discounts are available to cut your rates

Buying car insurance is not cheap, but there could be available discounts to cut the cost considerably. Some trigger automatically at the time of purchase, but a few must be specifically requested prior to receiving the credit.

• Fewer Miles Equal More Savings – Maintaining low annual mileage could be rewarded with discounted rates on garaged vehicles.
• Military Rewards – Having a family member in the military may lower your prices slightly.
• Driver Training Discounts – Taking a course teaching driver safety skills could cut 5% off your bill and make you a better driver.
• Accident Free – Claim-free drivers have much lower rates in comparison to drivers with a long claim history.
• ABS Braking Discount – Vehicles equipped with ABS or steering control can reduce accidents so companies give up to a 10% discount.
• Online Discount – Some insurance companies will give you a small discount for buying a policy and signing up over the internet.
• Safety Restraint Discount – Drivers who require all vehicle occupants to wear their seat belts can save 10% or more off the medical payments premium.
• Multi-policy Discount – If you combine your home and auto policies with one company you will save nearly 15% which can help you find the cheapest insurance.

A little note about advertised discounts, some of the credits will not apply the the whole policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like all the discounts add up to a free policy, you won’t be that lucky.

Larger car insurance companies and a selection of discounts are:

• State Farm policyholders can earn discounts including multiple autos, Drive Safe & Save, good driver, student away at school, good student, and safe vehicle.
• Esurance has discounts for paid-in-full, defensive driver, Pac-12 alumni, good student, anti-lock brakes, DriveSense, and claim free.
• Progressive includes discounts for online quote discount, good student, online signing, multi-policy, continuous coverage, and multi-vehicle.
• Liberty Mutual offers discounts for teen driver discount, safety features, new vehicle discount, newly married, multi-car, and multi-policy.
• Auto-Owners Insurance discounts include paid in full, group or association, mature driver, student away at school, and company car.
• Geico offers discounts including driver training, defensive driver, daytime running lights, emergency military deployment, and membership and employees.

When comparing rates, check with every insurance company the best way to save money. All car insurance discounts may not apply in every state. If you would like to choose from a list of companies that provide some of the discounts listed above, follow this link.

Everyone needs different insurance coverages

When it comes to choosing the best insurance coverage, there really is no “perfect” insurance plan. Everyone’s needs are different so your insurance needs to address that. Here are some questions about coverages that can help discover if your insurance needs might need professional guidance.

• What vehicles should carry emergency assistance coverage?
• Do I have newly-aquired coverage?
• Can I rent a car in Mexico?
• What should my uninsured motorist coverage limits be in my state?
• Does my insurance cover a custom paint job?
• When can my company non-renew my policy?
• Am I covered when pulling a rental trailer?
• Should I drop comprehensive coverage on older vehicles?
• Who is covered when they drive my 1994 GMC Suburban?
• How do I insure my teen driver?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Information about specific coverages

Knowing the specifics of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. Insurance terms can be impossible to understand and reading a policy is terribly boring. These are the normal coverages found on the average insurance policy.

Liability coverages

This coverage provides protection from damage that occurs to a person or their property in an accident. It protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 25/50/25 which stand for a limit of $25,000 per injured person, $50,000 for the entire accident, and property damage coverage for $25,000.

Liability coverage pays for claims like loss of income, attorney fees and repair costs for stationary objects. How much liability should you purchase? That is your choice, but consider buying higher limits if possible.

Comprehensive insurance

This pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things like vandalism, hitting a deer and fire damage. The maximum payout a insurance company will pay at claim time is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your GMC Suburban.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Auto collision coverage

This coverage will pay to fix damage to your Suburban from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a ditch, sideswiping another vehicle, colliding with a tree and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. You can also bump up the deductible to save money on collision insurance.

Coverage for medical expenses

Med pay and PIP coverage pay for expenses for things like prosthetic devices, nursing services and dental work. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers you and your occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible

Make an honest buck

Budget-friendly auto insurance can be purchased on the web and also from your neighborhood agents, so you should be comparing quotes from both so you have a total pricing picture. Some auto insurance companies may not have online price quotes and these small, regional companies only sell coverage through local independent agencies.

We covered many ideas to reduce 1994 GMC Suburban insurance prices online. The most important thing to understand is the more price quotes you have, the better your comparison will be. Drivers may discover the best price on auto insurance is with a company that doesn’t do a lot of advertising. Some small companies may often insure only within specific states and give getter rates as compared to the big name companies such as Allstate and Progressive.

Additional information is located at these links:

• Cellphones, Texting and Driving (iihs.org)
• Senior Drivers (Insurance Information Insitute)
• Top Signs Your Brakes are Giving Out (State Farm)
• Side Impact Crash Tests (iihs.org)
• Driving in Bad Weather (Insurance Information Insitute)