1997 Chevrolet Suburban Insurance Quotes

Shoppers have options when shopping for low-cost Chevy Suburban insurance. They can either spend hours contacting agents to get rate comparisons or leverage the internet to make rate comparisons.

There is a right way and a wrong way to buy insurance and we’ll show you the quickest way to price shop coverage for a new or used Chevy and get the lowest price.

You need to compare rates every six months since prices change regularly. Just because you had the lowest rates for Suburban insurance a couple years back there is a good chance you can find better rate quotes now. There is a lot of bad information regarding insurance online, but in a few minutes you can learn a bunch of ideas how to lower your insurance premiums.

How to compare auto insurance quotes

Reducing your 1997 Chevy Suburban insurance rates isn’t really that difficult. The only thing you need to do is take a couple of minutes to get quotes to discover which company has the cheapest insurance quotes. It is quite easy and can be accomplished using a couple different methods.

• One of the fastest ways to get quotes is an all-inclusive rate comparison click here to open form in new window. This easy form eliminates the need for separate quotes for every company. A single, simple form gets coverage cost estimates from many national carriers. Just one form and you’re done.
• A less efficient way to shop for auto insurance online requires you to visit each company’s website and get a separate price quote. For sake of this example, let’s say you want rates from Geico, Farmers and Progressive. To get rate quotes you would need to navigate to each company’s site and enter your policy data, which is why most consumers use the first method. To view a list of companies in your area, click here.

Whichever way you choose to compare rates, make sure you compare apples-to-apples information for every company. If the quotes have differing limits it will be impossible to determine the lowest rate for your Chevy Suburban.

These discounts can cut car insurance rates

Car insurance companies don’t always advertise their entire list of discounts in a way that’s easy to find, so the following is a list of both the well known in addition to some of the lesser obvious credits that may apply to you.

• Mature Driver Discount – Mature drivers may qualify for a small decrease in premiums for Suburban insurance.
• College Student Discount – Kids who live away from home at college and don’t have a car could get you a discount.
• Accident-Free Discounts – Insureds with no claims or accidents pay much less compared to drivers who are more careless.
• New Car Discount – Buying a new car instead of a used car can get you a discount since new vehicles have better safety ratings.
• Professional Memberships – Participating in a professional or civic organization could earn you a nice discount on car insurance.
• Active Service Discounts – Being deployed in the military may qualify for rate reductions.
• Multi-Vehicle Discounts – Buying insurance for multiple cars or trucks with the same company can get a discount on all vehicles.

Discounts save money, but please remember that many deductions do not apply to your bottom line cost. Most cut the cost of specific coverages such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

Large car insurance companies and some of the premium reductions they offer can be read below.

• Esurance offers discounts for safety device, Pac-12 alumni, homeowner, renters, anti-lock brakes, DriveSense, and claim free.
• The Hartford includes discounts for defensive driver, driver training, good student, vehicle fuel type, anti-theft, and air bag.
• AAA offers discounts including AAA membership discount, pay-in-full, multi-car, education and occupation, and good driver.
• Geico may have discounts that include defensive driver, federal employee, air bags, membership and employees, emergency military deployment, daytime running lights, and anti-theft.
• State Farm offers premium reductions for defensive driving training, Drive Safe & Save, driver’s education, accident-free, Steer Clear safe driver discount, anti-theft, and safe vehicle.

Double check with all companies you are considering which credits you are entitled to. Some credits might not be offered in your state. To see a list of providers offering car insurance discounts, click here.

How to lower your insurance premiums

Many different elements are part of the calculation when you quote your car insurance policy. A few of the factors are predictable like an MVR report, although some other factors are less apparent like where you live or your commute time.One of the most helpful ways to save on car insurance is to to have a grasp of the rating factors that are used to determine car insurance rates. If you know what influences your rates, this allows you to make educated decisions that can help you get lower premium levels.

• Safeguard your assets with liability coverage – The liability section of your policy provides coverage when you are found to be at fault for causing damage or personal injury in an accident. Liability provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable when compared to the cost of physical damage coverage, so drivers should buy more than the minimum limits required by law.
• Rates increase with driving citations – Your driving record impacts your car insurance rates tremendously. Just one moving violation can increase rates by twenty percent. Drivers who don’t get tickets pay less for auto insurance than bad drivers. Drivers who have multiple citations such as reckless driving or DUI may find they need to submit a SR-22 form with the DMV in their state in order to legally drive.
• Proper usage rating affects prices – The higher the miles on your Chevy in a year’s time the more it will cost to insure it. A lot of companies charge to insure your cars based on their usage. Cars and trucks that are left in the garage qualify for better rates than vehicles that are driven to work every day. It’s always a good idea to double check that your car insurance policy reflects the correct driver usage, because it can save money. Incorrect rating for your Suburban may be costing you.
• Too many insurance claims and you’ll pay more – If you are the type of insured that files lots of claims you should expect either a policy non-renewal or much higher rates. Companies provide the lowest premiums to drivers who are not frequent claim filers. Your car insurance is designed for more catestrophic claims.
• Safer cars mean better premiums – Vehicles that have high safety ratings get lower rates. Safe vehicles reduce occupant injuries and reduced instances of injuries translates into fewer and smaller insurance claims and cheaper rates on your policy.

When do I need an agent’s advice?

When choosing proper insurance coverage, there is no one size fits all plan. Everyone’s needs are different.

For instance, these questions may help highlight if your situation could use an agent’s help.

• When would I need additional glass coverage?
• Is my custom paint covered by insurance?
• What discounts do I qualify for?
• What can I do if my company denied a claim?
• Am I covered when pulling a rental trailer?
• What is roadside assistance coverage?
• Should I sign the liability waiver when renting a car?
• Should I buy only the required minimum liability coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

The coverage is in the details

Knowing the specifics of insurance helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy.

Collision coverage

Collision coverage will pay to fix damage to your Suburban resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, damaging your car on a curb and scraping a guard rail. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.

Comprehensive insurance

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

Comprehensive can pay for claims such as hail damage, a tree branch falling on your vehicle and damage from getting keyed. The most your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much consider dropping full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy Suburban.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Auto liability insurance

This protects you from damage that occurs to other’s property or people by causing an accident. This insurance protects YOU against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 25/50/25 which means $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property. Some companies may use a combined limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things such as pain and suffering, bail bonds, structural damage and repair bills for other people’s vehicles. How much liability should you purchase? That is a personal decision, but buy higher limits if possible.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses such as rehabilitation expenses, surgery and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Don’t be a big spender

We covered many ideas to compare 1997 Chevy Suburban insurance premium rates online. The most important thing to understand is the more rate quotes you have, the higher the chance of saving money. You may even discover the most savings is with the least-expected company.

Cheap 1997 Chevy Suburban insurance is possible on the web in addition to local insurance agencies, and you should be comparing both in order to have the best chance of saving money. Some insurance companies may not offer internet price quotes and most of the time these small, regional companies prefer to sell through independent agents.

Insureds leave their current company for a variety of reasons including high prices, lack of trust in their agent, high rates after DUI convictions and even delays in responding to claim requests. Regardless of your reason for switching companies, switching companies can be less work than you think.

To learn more, feel free to browse the resources below:

• Car Insurance FAQ (Trusted Choice)
• Drunk Driving Statistics (Insurance Information Insitute)
• Auto Insurance Facts and Statistics (Insurance Information Insitute)
• What is Gap Insurance? (Insurance Information Insitute)
• Alcohol Impaired Driving FAQ (iihs.org)
• Teen Driver Statistics (Insurance Information Insitute)