Compare 1996 Chevrolet Suburban Insurance Rates

Are you a victim of an expensive auto insurance policy? Trust us when we tell you there are many consumers feeling the pinch from expensive auto insurance. Numerous car insurance companies battle for your business, so it can be very hard to choose a company to get the lowest rate possible.

Cheap insurance

The majority of larger companies such as Allstate, Geico and Progressive give price estimates on the web. Getting online rates doesn’t take much effort because it’s just a matter of typing in your required coverages on the page. Once you submit the form, the company’s rating system automatically orders your driving and credit reports and quotes a price based on the information you submitted. This simplifies rate comparisons, but the process of having to visit many different websites and type in the same information can be a bit repetitive. But it’s also necessary to get many rate quotes if you want to find the best price on insurance.

The quickest way to lower your rates is to use a quote form to return rates from several companies at one time. The form is fast, helps eliminate reptitive entry, and makes online quotes much more enjoyable and efficient. As soon as you send your information, it is rated and you can select any of the quote results.

If the quotes result in lower rates, you can click and sign and buy the policy. This process can be completed in less than 10 minutes and may result in a nice savings.

To save time and get comparison pricing now, click here to open in a new tab and enter your information. If you have coverage now, it’s recommended that you enter coverages and limits exactly as they are listed on your policy. This ensures you’re receiving a price comparison for similar insurance coverage.

How you can control Chevy Suburban insurance costs

One of the most helpful ways to save on car insurance is to to have a grasp of the different types of things that help determine your policy premiums. When you know what positively or negatively impacts premium levels, this allows you to make good choices that can earn you lower premium levels.

The factors shown below are a few of the things that factor into prices.

• Combine policies with the same company – Most major insurance companies give better rates to people that purchase more than one policy in the form of a multi-policy discount. Even with this discount applied, you still need to shop around to confirm you are receiving the best rates possible. Consumers may save more without the discount even if you have your coverage with different companies
• Better rates on cars with good safety ratings – Vehicles with good safety scores can get you lower premiums. Highly rated vehicles reduce the chance of injuries and reduced instances of injuries translates into fewer and smaller insurance claims and more competitive rates for policyholders.
• Rates also based on gender – Over time, data shows that women are safer drivers than men. Now that doesn’t mean males are worse at driving than females. Men and women get in fender benders in similar numbers, but males cause more damage and cost insurance companies more money. They also get cited for more serious violations like driving under the influence (DUI).
• Avoid coverage lapses – Allowing your coverage to lapse will be a fast way to trigger a rate increase. Not only will you pay higher rates, failure to provide proof of insurance will get you a license revocation or jail time. You may have to file a SR-22 with your state DMV.
• Age of drivers impacts costs – Older drivers are more cautious drivers, file fewer claims and tend to be get fewer driving tickets.Teen drivers are statistically shown to be inattentive and easily distracted when driving with friends so car insurance rates are higher.

Earn discounts on insurance coverage

Properly insuring your vehicles can get expensive, but you might already qualify for some discounts that can help lower your rates. A few discounts will be applied at the time you complete a quote, but a few need to be asked about before you will receive the discount.

• Driver Education Discount – Require your teen driver to successfully complete driver’s ed class if offered at their school.
• Pay Upfront and Save – If you pay your entire premium ahead of time rather than spreading payments over time you could save up to 5%.
• Early Renewal Discounts – Select insurance coverage companies give a discount for buying a new policy prior to your current policy expiration. This can save 10% or more.
• Sign Online – Certain insurance coverage companies will give you a small discount shop insurance on their website.
• Discounts for New Vehicles – Buying coverage on a new vehicle can save you some money because newer models have to meet stringent safety requirements.

As a footnote on discounts, some of the credits will not apply the the whole policy. Some only apply to the price of certain insurance coverages like comp or med pay. Despite the appearance that adding up those discounts means a free policy, that’s just not realistic.

Companies and some of the premium reductions they offer are detailed below.

• 21st Century discounts include good student, early bird, anti-lock brakes, defensive driver, and homeowners.
• State Farm offers premium reductions for multiple policy, safe vehicle, accident-free, anti-theft, and passive restraint.
• AAA includes discounts for good driver, good student, AAA membership discount, multi-policy, and anti-theft.
• Liberty Mutual may offer discounts for newly retired, good student, new graduate, exclusive group savings, new move discount, safety features, and teen driver discount.
• Progressive offers discounts for multi-vehicle, good student, online quote discount, homeowner, and online signing.

Double check with each company which discounts can lower your rates. Some credits might not apply in your area. To find providers offering insurance coverage discounts, follow this link.

Tailor your car insurance coverage to you

When choosing the best car insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Each situation is unique so your insurance needs to address that. For example, these questions might point out if your situation would benefit from professional advice.

• Am I covered when pulling a rental trailer?
• Is my state a no-fault state?
• Do I need replacement cost coverage?
• Will filing a claim cost me more?
• Do I really need UM/UIM coverage?
• Am I getting all the discounts available?
• Why does it cost so much to insure a teen driver?
• How can I force my company to pay a claim?
• Do all my vehicles need collision coverage?
• I have good health insurance, so how much medical payments coverage do I need?

If you’re not sure about those questions but one or more may apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Learn about insurance coverages for a 1996 Chevy Suburban

Knowing the specifics of your policy can help you determine which coverages you need for your vehicles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. Shown next are the usual coverages available from insurance companies.

Liability insurance

This coverage can cover damage or injury you incur to other people or property by causing an accident. This coverage protects you from claims by other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one number which is a combined single limit which provides one coverage limit without having the split limit caps.

Liability insurance covers claims such as court costs, medical services, pain and suffering, attorney fees and medical expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive or Other Than Collision

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as hitting a deer, falling objects, fire damage and a tree branch falling on your vehicle. The maximum amount your insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like hospital visits, doctor visits, funeral costs, X-ray expenses and prosthetic devices. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your Chevy Suburban.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for collisions

Collision insurance pays for damage to your Suburban caused by 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 such as crashing into a ditch, scraping a guard rail, sustaining damage from a pot hole and hitting a mailbox. This coverage can be expensive, so consider dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Take this to the bank

When shopping online for insurance coverage, do not buy less coverage just to save a little money. There have been many situations where an accident victim reduced collision coverage only to discover later they didn’t purchase enough coverage. The aim is to find the BEST coverage at the lowest possible cost and still be able to protect your assets.

Some companies do not provide online quoting and usually these smaller companies prefer to sell through independent agencies. Cost effective 1996 Chevy Suburban insurance can be found online and from local insurance agents, and you need to price shop both in order to have the best price selection to choose from.

More information can be found on the following sites:

• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• Car Insurance: When not to Skimp (BankRate.com)
• Auto Insurance for Teen Drivers (Insurance Information Insitute)
• Teen Driver Statistics (Insurance Information Insitute)