Trying to find cheaper insurance rates for your Chevrolet Suburban? Nobody I know likes having to buy insurance, especially knowing they are paying too much. Due to the abundance of insurance companies to choose from, it is hard for the average consumer to choose a more affordable insurance company.
Choosing the best insurance company for you is not rocket science. If you have a policy now or are just looking to switch companies, you will benefit by learning to cut your premiums and still get good coverage. Vehicle owners just need to learn the most effective way to shop for auto insurance on the web.
Many factors are part of the equation when you get your auto insurance bill. Most are fairly basic such as your driving record, although some other factors are more transparent like your continuous coverage or your financial responsibility.
The items below are some of the things car insurance companies consider when setting premiums.
Shopping for lower insurance coverage rates can be a daunting task if you aren’t aware of the most efficient way to do it. You could spend the better part of a day talking about coverages with agents in your area, or you could save time and use the web to get rates in a matter of minutes.
Most of the best insurance companies participate in an industry program where prospective buyers submit their information once, and each participating company then returns a price quote based on that data. This saves time by eliminating quote forms to every company. To fill out one form to compare multiple rates now click here (opens in new window).
The only downside to doing it this way is buyers cannot specifically choose which providers you want pricing from. So if you want to select individual companies to compare, we have assembled a list of low cost insurance coverage companies in your area. Click here for list of insurance companies.
It doesn’t matter which method you choose, just compare equivalent quote data with every price quote. If you use higher or lower deductibles it will be nearly impossible to determine the lowest rate for your Chevy Suburban.
Consumers can’t get away from all the ads that claim the best rates by Allstate and Progressive. They all seem to seem to make the promise that you’ll save big if you switch your policy.
How does every insurance coverage company cost less than your current company? This is the trick they use.
Different companies have specific guidelines for the type of customer that will generate a profit. One example of this type of risk profile should be over age 30, has other policies, and drives less than 10,000 miles a year. Any new insured who fits those characteristics may get the lowest rates and most likely will save when they switch companies.
Potential insureds who don’t qualify for the requirements will probably have to pay higher premium rates which usually ends up with the prospect going elsewhere. Company advertisements say “customers who switch” not “all people who quote” save the amount stated. This is how companies can make those claims. This really illustrates why you need to compare free car insurance quotes often. It’s not possible to predict the company that will have the best prices for your profile.
Some companies don’t necessarily list every available discount very clearly, so here is a list a few of the more well known and also the more inconspicuous credits available to lower your premiums when you buy car insurance online. If you’re not getting every credit possible, you’re paying more than you need to.
You should keep in mind that most credits do not apply to your bottom line cost. Some only apply to the cost of specific coverages such as collision or personal injury protection. So even though you would think all the discounts add up to a free policy, you’re out of luck. But any discount will help lower your premiums.
Large auto insurance companies and a summarized list of policyholder discounts are shown below.
If you want affordable car insurance quotes, ask each company which credits you are entitled to. Some discounts listed above may not apply everywhere. If you would like to choose from a list of insurers that can offer you the previously mentioned discounts, follow this link.
When choosing proper insurance coverage, there is no cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. For instance, these questions might point out if your situation might need an agent’s assistance.
If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. If you don’t have a local agent, 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.
Understanding the coverages of a insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find the usual coverages available from insurance companies.
Medical payments and Personal Injury Protection insurance provide coverage for bills like chiropractic care, hospital visits and EMT expenses. The coverages can be used to fill the gap from your health insurance plan or if you lack health insurance entirely. It covers all vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not an option in every state and may carry a deductible
Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive coverage protects against claims like a broken windshield, damage from flooding and falling objects. The maximum amount a insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.
This coverage protects you from injuries or damage you cause to people or other property by causing an accident. It protects YOU from claims by other people. It does not cover damage to your own property or vehicle.
It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have values of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.
Liability coverage protects against things like repair bills for other people’s vehicles, structural damage and emergency aid. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.
Collision insurance will pay to fix damage to your Suburban resulting from a collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.
Collision coverage protects against things such as colliding with a tree, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.
Uninsured or Underinsured Motorist coverage gives you protection when other motorists either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.
Since many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is a good idea.
We just showed you many ways to lower your 2000 Chevy Suburban insurance car insurance rates. It’s most important to understand that the more providers you compare, the higher your chance of finding the cheapest car insurance. You may even find the most savings is with the least-expected company. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as Allstate or State Farm.
As you restructure your insurance plan, never buy less coverage just to save a little money. There have been many situations where an accident victim reduced full coverage and learned later that the savings was not a smart move. The proper strategy is to buy a smart amount of coverage for the lowest cost but still have enough coverage for asset protection.
Lower-priced insurance coverage is possible both online as well as from insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers do not provide rates over the internet and many times these small insurance companies sell through independent insurance agents.
To read more, take a look at the resources below:
Elza Calhoun
Lots of useful info here. I live just outside Des Moines, Iowa. I got free quotes with GEICO, The General, and Encompass for my Chevrolet and saved around $90 a year. Left Safeco to switch. Switched homeowners coverage too. I got a quote from their website. I don’t put full coverage on it.
Yoko Webb
I’ve bought from 21st Century forever. Cheapest rates in Charleston, South Carolina.
Carlita Snow
I live north of Cedar Rapids, IA. Got rates from State Farm, AAA, and Eastwood for my 2000 Chevrolet Suburban and I think I saved around $30 each month. Was with Progressive. I have a teen driver too. You can get a rate quote online. It’s only liability tho.
Traci Haynes
Thanks for putting this site together. I live just to the north of Fort Smith, AR. Received quotes with AIG Insurance, Mercury, and Western Auto Insurance for my Suburban and saved $107 a year. Was with 21st Century.
Shirlene Calhoun
Quoted with Esurance for my Suburban and am saving around $60 a year. Was with The General. I increased coverages a little too. Hardly afford to drive anymore. My Chevrolet doesn’t have full coverage.
Julee Edwards
If you have a clean record and are close to Warwick, RI, check out 21st Century. You might get cheaper rates. Left USAA to switch.
Ernest Bentley
I’m from Fort Smith, AR. Got car insurance prices from Mercury, Encompass, GEICO, and American Family for my Suburban and I’m now saving $20 a month. I just quoted rates online. It’s only liability tho.
Jule Dillon
It all costs too much. I live north of Little Rock, AR. Compared quite a few companies. Saved darn near $20 a month. Allstate was the most affordable for me. Left GEICO to switch.
Rolanda Olson
IT’S ALL TOO EXPENSIVE! From northwest of Philadelphia, Pennsylvania. I don’t recall every quote but I ended up saving about $20 each month.
Elly Burke
Great info, thanks for posting. Proud to be from Nashville, TN. Quoted rates from Amica, Esurance, and Sentry for my Chevrolet and I’m now saving $20 a month. Left Nationwide to switch. Hopefully won’t need it. I just carry liability insurance.
Domitila Strickland
I live in Louisville, KY. Quoted a bunch of companies. Saved darn near $30 a month. State Farm was the cheapest option for me. Insured with Allstate before. Not sure if rates are cheaper online or through an agent.
Kayleigh Lowe
Corporate greed I’m telling you. From northwest of Fort Wayne, IN. I compared lots of rates. Saved roughly $20 a month. Allstate was the cheapest option for me. Got better coverage too. I think I’ll get rid of full coverage next time.
Mimi Vega
I’m from New Orleans, LA. Quoted a bunch of companies. Saved roughly $30 a month. Progressive was the cheapest option for me. Left The General to switch. Hopefully won’t need it.