1998 GMC Suburban Car Insurance Quotes

Being forced to pay for overpriced insurance premiums can dry up your accounts and force you to make sacrifices. You have multiple car insurance companies to pick from, and although it’s nice to be able to choose, lots of choices makes it harder to adequately compare rates.

The most recommended method to compare car insurance company rates is to realize most of the larger companies participate in online systems to provide you with a free rate quote. To get started, all you need to do is provide the companies a bit of rating information including if you’re married, deductibles desired, whether you drive to work or school, and whether or not you need a SR-22. Those rating factors is instantly provided to multiple companies and they return quotes instantly to find the best rate.

Reduce insurance rates with these tips

Multiple criteria are part of the calculation when premium rates are determined. Some are obvious like an MVR report, but other factors are more transparent such as your credit history or how safe your car is.

The list below includes just a few of the factors used by insurance companies to determine your premiums.

• Low mileage costs less – The more you drive your GMC annually the more you’ll pay to insure it. Most insurance companies calculate prices based upon how much you drive. Autos used primarily for pleasure use cost less to insure than cars that get driven a lot. An incorrectly rated Suburban can cost quite a bit. Verify your auto insurance coverage is rated on the proper vehicle usage, because it can save money.
• Vehicles with better crash test results means lower premiums – Safer cars are cheaper to insure. Highly rated vehicles reduce the chance of injuries and better occupant protection translates directly to fewer claims and cheaper rates on your policy.
• Teen vs. older drivers – Older drivers have been proven to be more responsible, are lower risk to insure , and usually have better credit.Inexperience drivers have been known to be easily distracted in a vehicle and because of this, their auto insurance rates are much higher.
• Rates impacted by your city – Being located in smaller towns and rural areas of the country can save you money when talking about auto insurance. Urban drivers tend to have more road rage incidents and longer commutes to work. Fewer people corresponds to lower accident rates and a lower car theft rate.
• Men pay more for insurance – The statistics show that females take fewer risks when driving. This data doesn’t prove that females are better drivers. Males and females get in auto accidents at a similar rate, but the men cause more damage. In addition to higher claims, males also receive more costly citations like driving under the influence (DUI). Males from age 16 to 21 are several times more likely to be in an accident so it costs more to insure them.
• Improve your credit history – Your credit score is likely to be a major factor in determining your rates. If your credit score can use some improvement, you could save money insuring your 1998 GMC Suburban by spending a little time repairing your credit. Insureds that have good credit tend to file fewer claims than drivers who have lower credit ratings.
• Being married can lower costs – Getting married may save some money when buying auto insurance. Having a spouse may mean you are more responsible it has been statistically shown that married drivers get in fewer accidents.
• Bump up coverage deductibles to lower rates – Physical damage coverage, also called ‘full coverage’, is used to repair damage to your GMC. Some examples of claims that would be covered would be a broken windshield, vandalism, and windstorm damage. Deductibles for physical damage represent how much money you are required to spend if you file a covered claim. The more expense you are required to pay out-of-pocket, the lower your rates will be on Suburban insurance.

Auto insurance discounts help lower rates

Some providers do not advertise every disount available in a way that’s easy to find, so the list below gives a summary of a few of the more common as well as the least known ways to save on auto insurance.

• New Car Discount – Buying a new car instead of a used car can be considerably cheaper since new vehicles have better safety ratings.
• Full Payment Discount – If paying your policy premium upfront rather than spreading payments over time you could save 5% or more.
• Multiple Vehicles – Buying insurance for several vehicles on a single policy may reduce the rate for each vehicle.
• Organization Discounts – Belonging to a professional or civic organization could trigger savings when shopping for auto insurance.
• Responsible Driver Discount – Drivers who don’t get into accidents can pay as much as 50% less on Suburban insurance as compared to drivers with claims.

A little note about advertised discounts, many deductions do not apply to all coverage premiums. A few only apply to the cost of specific coverages such as comp or med pay. If you do the math and it seems like all the discounts add up to a free policy, you aren’t that lucky.

Larger auto insurance companies and their possible discounts are detailed below.

• State Farm offers discounts for passive restraint, Steer Clear safe driver discount, defensive driving training, good student, good driver, Drive Safe & Save, and anti-theft.
• Geico may have discounts that include military active duty, membership and employees, air bags, defensive driver, multi-policy, and driver training.
• Allstate includes discounts for anti-lock brakes, economy car, multi-policy, FullPay discount, and good student.
• SAFECO has discounts for homeowner, teen safety rewards, bundle discounts, accident prevention training, multi-car, and anti-theft.
• Farm Bureau discounts include 55 and retired, good student, driver training, renewal discount, multi-vehicle, youthful driver, and multi-policy.
• Progressive has savings for continuous coverage, online quote discount, good student, homeowner, and online signing.
• AAA may include discounts for anti-theft, good student, good driver, education and occupation, and AAA membership discount.

Before you buy a policy, ask each company or agent which discounts you qualify for. Some of the earlier mentioned discounts may not be offered in your area. To see providers who offer free auto insurance quotes, follow this link.

Which is the best auto insurance?

When it comes to buying coverage for your vehicles, there is no perfect coverage plan. Each situation is unique and your policy should reflect that. These are some specific questions could help you determine if your insurance needs might need an agent’s assistance.

• Am I covered when pulling a rental trailer?
• Should I sign the liability waiver when renting a car?
• Is extra glass coverage worth it?
• Can I rate high risk drivers on liability-only vehicles?
• Are there companies who specialize in insuring high-risk drivers?
• Can I afford low physical damage deductibles?
• What is the ISO rating for a 1998 GMC Suburban?
• Is my dog or cat covered if injured in an accident?

If you can’t answer these questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It only takes a few minutes and you can get the answers you need.

Coverage specifics

Having a good grasp of your insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. These are the normal coverages offered by insurance companies.

Collision coverages – Collision coverage covers damage to your Suburban caused by collision 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 insurance covers claims such as hitting a parking meter, damaging your car on a curb, scraping a guard rail and hitting a mailbox. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Liability coverage – This protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects YOU against other people’s claims, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Some companies may use a combined limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things such as attorney fees, medical services, emergency aid, structural damage and funeral expenses. How much coverage you buy is a decision to put some thought into, but buy as large an amount as possible.

Comprehensive (Other than Collision) – This will pay to fix damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers things such as hail damage, vandalism and damage from a tornado or hurricane. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – This protects you and your vehicle from other drivers when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries as well as damage to your GMC Suburban.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Normally these coverages are similar to your liability insurance amounts.

Medical expense insurance – Coverage for medical payments and/or PIP provide coverage for expenses like surgery, hospital visits, X-ray expenses, chiropractic care and prosthetic devices. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. PIP is not universally available and gives slightly broader coverage than med pay

Have the Midas touch

Lower-priced 1998 GMC Suburban insurance can be found both online and from local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some companies do not offer the ability to get quotes online and usually these regional carriers sell through local independent agents.

As you go through the steps to switch your coverage, make sure you don’t buy lower coverage limits just to save a few bucks. There have been many cases where drivers have reduced collision coverage to discover at claim time that a couple dollars of savings turned into a financial nightmare. Your aim should be to purchase a proper amount of coverage at the lowest possible cost, but do not sacrifice coverage to save money.

To read more, feel free to visit the following helpful articles:

• Understanding Your Insurance Deductible (Insurance Information Insitute)
• Tread Depth and Tire Safety (State Farm)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)