Cheaper 2000 Chevrolet Suburban Car Insurance Quotes

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.

You can change your insurance prices

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.

• Job reflects on prices – Do you work in a high-stress field? Jobs such as military generals, architects and emergency personnel tend to have the highest rates because of job stress and lots of time spent at work. On the other hand, jobs such as farmers, engineers and retirees have lower than average premiums for Suburban insurance.
• Having a spouse can lower rates – Having a significant other can actually save you money on car insurance. Having a spouse translates into being more mature and statistics show married drivers tend to file fewer claims.
• Gender and auto insurance – Over time, data shows that women are safer drivers than men. It does not mean males are worse at driving than females. Women and men have accidents in similar percentages, but the male of the species tend to have more serious accidents. Not only that, but men also get higher numbers of serious violations such as driving while intoxicated (DWI) or driving recklessly.
• How many miles do you drive? – Driving more miles each year the more you’ll pay to insure your vehicle. A lot of insurance companies charge to insure your cars based upon how the vehicle is primarily used. Cars that are left in the garage can get a lower rate than vehicles that are driven to work every day. Improper usage on your Suburban is throwing money out the window. Ask your agent if your policy shows the correct driver usage, because improper ratings can cost you money.
• Lower rates for cars with good safety ratings – Safe vehicles tend to have better insurance rates. Vehicles engineered for safety result in less severe injuries and reduced instances of injuries means your insurance company pays less which can mean better rates for you. If the Chevy Suburban scored at minimum four stars on Safercar.gov you may qualify for a discount.
• Premiums drop with age – More experienced drivers are shown to be more cautious, file fewer claims , and are generally more financially stable.Young drivers are known to get distracted easily behind the wheel and because of this, their car insurance rates are much higher.
• Responsible drivers have lower premiums – Your driving record has a lot to do with how much you pay for insurance. Even a single ticket may cause rates to rise to the point where it’s not affordable. Good drivers pay less for auto insurance than their less careful counterparts. Drivers who get severe violations like DUI or reckless driving are required to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to keep their license.

How to buy insurance coverage

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.

The insurance coverage bait and switch

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.

You may qualify for discounts

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.

• Bundle and Save – When you combine your auto and homeowners insurance and insure them with the same company you could save nearly 15% which can help you find the cheapest car insurance.
• ABS Brakes – Cars with ABS braking systems or traction control have fewer accidents so you can save 10 percent or more.
• Home Ownership Discount – Just being a homeowner may trigger a policy discount on auto insurance because of the fact that having a home requires personal responsibility.
• Good Drivers – Accident-free drivers can get discounts for up to 45% lower rates for Suburban insurance than drivers with accident claims.
• Save with More Vehicles Insured – Buying a policy with all your vehicles with one company can get a discount on all vehicles.
• Driver Training Discounts – Taking time to complete a class that teaches defensive driver techniques could cut 5% off your bill and also improve your driving technique.
• Theft Deterent System – Anti-theft and alarm system equipped vehicles have a lower chance of being stolen and can earn a small discount on your policy.
• Club Memberships – Participating in a professional or civic organization is a simple method to lower premiums on your policy.

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.

• State Farm offers discounts including passive restraint, Drive Safe & Save, multiple policy, Steer Clear safe driver discount, multiple autos, anti-theft, and student away at school.
• Esurance policyholders can earn discounts including renters, paid-in-full, good student, emergency road assistance, and claim free.
• Progressive may include discounts for online signing, homeowner, multi-policy, continuous coverage, and good student.
• Liberty Mutual may have discounts that include preferred payment discount, teen driver discount, newly married, new move discount, new vehicle discount, and new graduate.
• Auto-Owners Insurance discounts include teen driver, anti-lock brakes, paid in full, student away at school, mature driver, and safe vehicle.
• Geico has discounts for driver training, defensive driver, military active duty, federal employee, anti-lock brakes, and daytime running lights.

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.

There’s no such thing as the perfect insurance coverage policy

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.

• Does my 2000 Chevy Suburban qualify for pleasure use?
• Do all my vehicles need collision coverage?
• Is my teenager covered with friends in the car?
• Does my 2000 Chevy Suburban need full coverage?
• Are my friends covered when driving my car?
• Am I covered if I hit my neighbor’s mailbox?
• Can I rate high risk drivers on liability-only vehicles?
• What can I do if my company won’t pay a claim?

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.

Insurance policy coverages for a 2000 Chevy Suburban

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.

Insurance for medical payments

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 coverage (or Other than Collision)

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.

Liability

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.

Coverage for collisions

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 Motorist or Underinsured Motorist insurance

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.

The best insurance company isn’t always the cheapest

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:

• Older Drivers FAQ (iihs.org)
• Speed and Speed Limit FAQ (iihs.org)
• Distracted Driving (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)