1998 Chevrolet Suburban Insurance Quotes

Searching for cheaper insurance rates for your Chevrolet Suburban? Beginners to buying auto insurance online will find sourcing cheap auto insurance can be quite challenging.

You need to do price comparisons quite often since insurance prices are usually higher with each renewal. If you had the lowest rates for Suburban coverage a year ago a different company probably has better premium rates today. Forget all the misinformation about insurance because I’m going to let you in on the secrets to the best way to get good coverage at a lower rate.

Finding affordable coverage is quite easy. If you currently have car insurance, you will be able to reduce your rates substantially using this strategy. But drivers need to have an understanding of how insurance companies compete online because it can help you find the best coverage.

Double check you’re getting these money-saving discounts

Insurance coverage is not cheap nor is it fun to buy but there’s a good chance there are discounts that may help make it more affordable. Most are applied when you get a quote, but once in a while a discount must be specifically requested in order for you to get them.

• Drive Safe and Save – Insureds who avoid accidents could pay up to 40% less for Suburban coverage compared to rates paid by drivers with frequent claims.
• Driver Safety – Taking a defensive driving class can save you 5% or more and also improve your driving technique.
• More Vehicles More Savings – Having several vehicles with the same company can get a discount on all vehicles.
• Policy Bundle Discount – When you combine your auto and home insurance with one company you could save over 10 percent off each policy depending on the company.
• Claim Free – Drivers who stay claim-free pay much less when compared to drivers with a long claim history.
• Distant Student Discount – College-age children who are enrolled in a college that is more than 100 miles from home and do not take a car to college can be insured at a reduced rate.

Drivers should understand that most discount credits are not given the the whole policy. Most only apply to the cost of specific coverages such as liability, collision or medical payments. So despite the fact that it appears you can get free auto insurance, companies don’t profit that way.

Some of the insurance companies that may offer policyholders most of the discounts above include:

• State Farm
• Geico
• Progressive
• 21st Century
• American Family
• The Hartford
• AAA

Check with each insurance company how many discounts you can get. Some discounts listed above might not be offered in your area. To choose insurers who offer online insurance coverage quotes, click this link.

Where can I get affordable insurance coverage?

To get cheaper auto insurance quotes, there a variety of ways to compare rate quotes from local insurance coverage companies. The easiest way by far to find cheaper 1998 Chevy Suburban rates is to perform an online rate comparison. This is very easy and can be done in a couple of different ways.

1. Hands down the most simple method consumers can analyze rates would be an industry-wide quote request form click here to open form in new window. This type of form keeps you from doing repetitive form entry for every prospective company. A single form gets insurance cost estimates from multiple companies. It’s definitely the quickest method.
2. Another way to get comparison quotes is spending the time to visit the website for every company you want to comare to complete their respective quote request forms. For instance, let’s say you need rates from Allstate, Esurance and State Farm. To find out each rate you need to visit each site and punch in your information repeatedly, and that explains why we recommend the first method.

   For a list of links to insurance companies in your area, click here.

Whichever way you use, make darn sure you compare the exact same quote data with each company. If you have unequal deductibles or liability limits it’s not possible to determine the lowest rate for your Chevy Suburban. Having just a slight variation in insurance coverages can result in a big premium difference. It’s important to know that more quotes helps improve the odds of finding better pricing.

Smart consumers can cut insurance costs

Smart consumers have a good feel for the different types of things that help determine your policy premiums. When you understand what positively or negatively impacts your premiums, this enables informed choices that may result in lower insurance coverage prices. Lots of factors are taken into consideration when you get your auto insurance bill. Some factors are common sense like a motor vehicle report, although some other factors are less obvious like your continuous coverage or your vehicle rating.

• Certain occupations raise rates – Did you know your occupation can influence how much you pay for insurance coverage? Occupations such as fire fightersair traffic controllers and stock brokers generally pay the highest average rates attributed to stressful work requirements and long work hours. On the other hand, jobs like scientists, students and performers have the lowest average rates for Suburban coverage.
• Drive fewer miles and save – The more you drive your Chevy annually the higher the price you pay to insure it. Almost all companies charge rates based on their usage. Cars and trucks that do not get driven very much get more affordable rates than those that get driven frequently. Incorrect rating for your Suburban may be costing you higher rates. Double check that your insurance coverage declarations sheet states the right rating data.
• Coverage deductibles are a factor – Physical damage protection, also called ‘full coverage’, covers damage that occurs to your Chevy. Some examples of claims that would be covered would be a windshield shattered by a rock, collision with an animal, or theft. Physical damage deductibles are the amount of money you are required to spend out-of-pocket before your insurance coverage pays a claim. The more you’re willing to pay, the less money you will pay for insurance coverage for Suburban coverage.
• Accidents will cost you – Careful drivers pay lower auto insurance prices than people who have multiple driving citations. Only having one speeding ticket or other violation could increase your next policy renewal substantially. Drivers who have careless tickets such as reckless driving, hit and run or driving under the influence may face state-mandated requirements to file a SR-22 with their state in order to continue driving.
• Which gender costs less? – The statistics show that females take fewer risks when driving. This data doesn’t prove that men are WORSE drivers than women. They both are responsible for at-fault accidents at a similar rate, but men get into accidents with more damage. Men also tend to have more aggressive citations like DUI and reckless driving. Young men ages 16 to 20 are the most expensive to insure and therefore are the most expensive to insure.
• Rates increase with policy add-ons – Insurance policies have a lot of extra bells and whistles that you can buy when buying insurance coverage. Coverages like roadside assistance, better glass coverage, and additional equipment coverage may not be needed and are just wasting money. They may seem good when deciding what coverages you need, but if they’re wasting money remove them from your policy.
• Lower rates for married couples – Walking down the aisle may cut your premiums on insurance coverage. Marriage is viewed as being more responsible and it’s statistically proven that being married results in fewer claims.
• Responsible credit means lower costs – Having a bad credit history is a big factor in your rate calculation. If your credit is lower than you’d like, you could pay less to insure your 1998 Chevrolet Suburban by taking the time to improve your credit score. People that have good credit tend to file fewer claims and have better driving records than drivers who have poor credit scores.

Do I need special coverages?

When it comes to buying proper insurance coverage for your vehicles, there really is not a perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions may help highlight if your situation will benefit from professional help.

• How can I find cheaper teen driver insurance?
• How can I force my company to pay a claim?
• If my pet gets injured in an accident are they covered?
• Should I waive the damage coverage when renting a car?
• Do I pay less for low miles?
• When should I drop full coverage on my 1998 Chevy Suburban?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, complete this form.

Do auto insurance companies bend the truth?

Big name companies like State Farm, Allstate and Geico constantly bombard you with ads in print and on television. All the ads have a common claim of big savings just by switching to them. How can each company offer you a better deal? This is the trick they use.

Different companies have specific guidelines for the type of driver that earns them the highest profit. For instance, a preferred risk may need to be over the age of 35, owns their home, and the vehicle is rated for pleasure use. A propective insured who matches those parameters will get very good car insurance rates and have a good chance to save some money.

People who fall short of this ideal profile will probably be forced to pay a higher rate with the end result being the customer not buying. The trick companies use is to say “people who switch” not “everyone that quotes” save money. This is how companies can make those claims. Because of this risk profiling, you should get price quotes at each policy renewal. It is impossible to guess which auto insurance company will give you lower rates than your current company.

Detailed coverages of your car insurance policy

Learning about specific coverages of your car insurance policy can be of help when determining the best coverages and the correct deductibles and limits. Car insurance terms can be difficult to understand and even agents have difficulty translating policy wording.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses for things like X-ray expenses, prosthetic devices, pain medications and surgery. They are often used to fill the gap from your health insurance plan or if you do not have health coverage. They cover not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Collision coverage

This covers damage to your Suburban from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like sustaining damage from a pot hole, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also increase the deductible to get cheaper collision coverage.

Liability insurance

This provides protection from damage or injury you incur to people or other property that is your fault. It protects YOU from legal claims by others. It does not cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability can pay for things such as emergency aid, loss of income, repair costs for stationary objects, medical expenses and court costs. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Uninsured Motorist or Underinsured Motorist insurance

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered claims include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things such as damage from a tornado or hurricane, hitting a deer, falling objects and rock chips in glass. The maximum payout a car 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.

Smart consumers save more

Consumers switch companies for a number of reasons such as not issuing a premium refund, lack of trust in their agent, unfair underwriting practices or policy non-renewal. It doesn’t matter why you want to switch choosing a new insurance company is pretty simple and you could end up saving a buck or two.

When searching for the cheapest auto insurance quotes, you should never buy less coverage just to save a little money. In too many instances, consumers will sacrifice physical damage coverage only to discover later that it was a big error on their part. Your objective should be to find the BEST coverage at the best cost, but do not sacrifice coverage to save money.

Some insurance companies may not have rates over the internet and usually these regional carriers sell through local independent agents. Affordable 1998 Chevy Suburban insurance can be bought both online and from local agencies, and you need to comparison shop both to get a complete price analysis.

Additional information is available at the links below

• Safety Features for Your New Car (State Farm)
• How to Avoid Buying a Flooded Car (Insurance Information Insitute)
• Learn About Car Insurance (Geico)
• Teen Driver Statistics (Insurance Information Insitute)