Lower Your 1995 Chevrolet Suburban Car Insurance Rates

Buyers have lots of choices when searching for the lowest priced Chevy Suburban insurance. They can either spend hours contacting agents to get rate comparisons or save time using the internet to get rate quotes. There is a right way and a wrong way to shop for auto insurance so we’re going to tell you the quickest way to compare rates for a Chevy and locate the lowest price.

If you are insured now or need a new policy, you can learn to find better prices and possibly find even better coverage. This article will introduce you to how car insurance quotes work and some tips to save money. Consumers only need an understanding of the most effective way to get comparison quotes online.

First Step: Get free insurance quotes

There are a variety of methods to compare insurance quotes, but there is one way that is easier and takes less work. You could waste time driving to insurance agencies in your area, or you can stay home and use online quotes for quick rates.

Most of the larger companies participate in an industry program that enables customers to enter their policy data once, and each participating company then returns a price quote based on that information. This eliminates the need for quote requests to each company.

To enter your information into the quoting system, click here to open in new window.

The one downside to pricing coverage this way is buyers cannot specifically choose which providers you want to price. If you prefer to choose specific providers to compare rates, we put together a list of companies who write insurance in your area. Click here to view list.

However you get your quotes, do your best to enter equivalent deductibles and coverage limits with every price quote. If each company quotes different coverage information you will not be able to truly determine the lowest rate.

Discounts for affordable car insurance quotes

Insurance can cost an arm and a leg, but there could be significant discounts to cut the cost considerably. Many discounts should be triggered when you complete an application, but a few need to be inquired about before they will apply.

Driver Education Discount – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class if offered at their school.
Payment Method – If you pay your entire premium ahead of time instead of paying each month you can avoid monthly service charges.
Bundled Policy Discount – If you have multiple policies and insure them with the same company you will save up to 20% off your total premium.
Discounts for Safe Drivers – Drivers who don’t get into accidents may save up to 50% more for Suburban coverage compared to accident prone drivers.
Club Memberships – Being in a civic or occupational organization could earn you a nice discount on your next renewal.

While discounts sound great, it’s important to understand that many deductions do not apply the the whole policy. Some only apply to specific coverage prices like collision or personal injury protection. So when it seems like you can get free auto insurance, you’re out of luck.

Companies and some of their more popular discounts are detailed below.

State Farm policyholders can earn discounts including anti-theft, multiple autos, Steer Clear safe driver discount, driver’s education, student away at school, multiple policy, and accident-free.
Geico may have discounts that include air bags, anti-theft, daytime running lights, good student, and multi-policy.
Liberty Mutual has discounts for multi-car, exclusive group savings, new graduate, safety features, hybrid vehicle, and good student.
The Hartford offers discounts for bundle, air bag, good student, defensive driver, and driver training.
MetLife offers discounts including good driver, accident-free, claim-free, defensive driver, and good student.
Progressive may include discounts for continuous coverage, homeowner, multi-vehicle, good student, online signing, online quote discount, and multi-policy.

It’s a good idea to ask every insurance company which discounts you qualify for. Depending on the company, some discounts might not be offered on policies in your area.

You may need specialized auto insurance coverage

When buying the best auto insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Everyone’s situation is unique.

For example, these questions could help you determine whether you might need an agent’s assistance.

Am I covered when delivering products for my home-based business?
I have good health insurance, so how much medical payments coverage do I need?
When should I drop full coverage on my 1995 Chevy Suburban?
Should I file a claim if it’s only slightly more than my deductible?
Should I waive the damage coverage when renting a car?
What if I owe more than I can insure my car for?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with an agent. If you don’t have a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

How to lower your insurance premiums

Multiple criteria are considered when pricing auto insurance. Some factors are common sense such as your driving record, although some other factors are less obvious such as whether you are married or your commute time.Smart consumers have a good feel for a few of the rating criteria that go into determining your premiums. When you understand what influences your rates, this enables you to make decisions that may result in lower rates.

The itemized list below are some of the most common factors insurance companies consider when setting prices.

Liability – A critical coverage on your policy, liability insurance kicks in if ever you are found liable for personal injury or accident damage. Your policy’s liability insurance provides legal defense which can be incredibly expensive. Liability insurance is pretty cheap compared to other policy coverages, so drivers should buy more than the minimum limits required by law.
Consolidate policies to earn discounts – Most major companies afford lower prices to customers who carry more than one policy in the form of a multi-policy discount. Discounts can amount to ten or even fifteen percent. If you currently are using one company, it’s always a smart idea to compare rates to confirm you are receiving the best rates possible. Consumers may save money by buying insurance from a different company.
Excellent credit means lower rates – Credit score factor in your rate calculation. Insureds with excellent credit tend to be more responsible than those with lower credit scores. So if your credit score is low, you could be paying less to insure your 1995 Chevrolet Suburban by improving your rating.
Higher insurance rates for stressful employers – Occupations such as doctors, social workers and emergency personnel generally have higher average rates due to stressful work requirements and long work hours. On the other hand, jobs like scientists, engineers and homemakers get better rates for Suburban coverage.
GPS tracking and theft deterrents reduce insurance rates – Owning a car that has a built-in theft deterrent system can earn a premium discount. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can thwart auto theft and help lower rates.
Guys pay more for car insurance – Statistics show females are less aggressive when driving. However, don’t assume that women are better drivers. They both tend to get into accidents at a similar rate, but the male of the species have costlier accidents. They also receive more costly citations like DWI (DUI) or reckless driving. Teenage male drivers are several times more likely to be in an accident and therefore are the most expensive to insure.

Insurance coverages 101

Knowing the specifics of your policy aids in choosing the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Coverage for collisions

This coverage pays to fix your vehicle from damage caused by collision with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as hitting a parking meter, driving through your garage door, crashing into a ditch, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Liability coverage

Liability coverage will cover damages or injuries you inflict on people or other property that is your fault. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see liability limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against claims such as court costs, loss of income, repair bills for other people’s vehicles and structural damage. How much coverage you buy is up to you, but it’s cheap coverage so purchase as much as you can afford.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle when other motorists do not carry enough liability coverage. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Suburban.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Comprehensive or Other Than Collision

This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as falling objects, damage from a tornado or hurricane, rock chips in glass, fire damage and hitting a bird. The most you’ll receive from a claim is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance

Coverage for medical payments and/or PIP pay for immediate expenses for hospital visits, dental work, funeral costs and ambulance fees. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Power to the consumer

Lower-priced insurance is possible online and with local insurance agents, and you need to price shop both in order to have the best chance of saving money. Some companies may not offer online price quotes and most of the time these small insurance companies only sell coverage through local independent agents.

Insureds switch companies for many reasons like denial of a claim, extreme rates for teen drivers, poor customer service or even lack of trust in their agent. It doesn’t matter why you want to switch choosing a new company can be pretty painless.

As you prepare to switch companies, make sure you don’t skimp on coverage in order to save money. There have been many cases where an accident victim reduced full coverage to discover at claim time they didn’t have enough coverage. The proper strategy is to buy enough coverage for the lowest cost, not the least amount of coverage.