Compare 2004 Chevrolet Suburban Insurance Quotes

Looking for cheaper car insurance rates for your Chevrolet Suburban? If you’ve never shopped for car insurance quotes online, you may be baffled by the vast number of online car insurance companies and websites all offering big savings.

Verify you’re applying every discount

Car insurance companies don’t always publicize every discount they offer in an easy-to-find place, so the following list contains a few of the more well known as well as the least known discounts that you can inquire about if you buy car insurance online.

• Membership in Organizations – Joining certain professional organizations can get you a small discount on insurance.
• Good Student Discount – This discount may save you up to 25%. The discount lasts up to age 25.
• Claim Free – Insureds who avoid accidents and claims have much lower rates in comparison to accident-prone drivers.
• Service Members Pay Less – Having a family member in the military could mean lower insurance rates.
• One Accident Forgiven – Not really a discount, but a few companies such as Liberty Mutual, Allstate and State Farm allow you one accident without the usual rate increase so long as you are claim-free prior to the accident.
• Discount for Multiple Policies – If you can bundle your home and auto insurance with one insurance company you may save up to 20% and get you cheap car insurance.
• Discount for Life Insurance – Companies who offer life insurance give a discounted premium rate on car insurance if you buy some life insurance in addition to your auto policy.
• Homeowners Discount – Owning a house can save you money due to the fact that maintaining a home requires a higher level of personal finance.
• Multi-Vehicle Discounts – Insuring multiple cars or trucks with the same company qualifies for this discount.

A quick disclaimer, most discounts do not apply to the overall cost of the policy. The majority will only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like all the discounts add up to a free policy, you aren’t that lucky.

A few popular companies and some of the premium reductions they offer can be found below.

• Geico policyholders can earn discounts including anti-theft, daytime running lights, multi-vehicle, membership and employees, air bags, and military active duty.
• MetLife offers discounts for good student, good driver, claim-free, accident-free, and multi-policy.
• Progressive has savings for multi-policy, multi-vehicle, homeowner, continuous coverage, online signing, good student, and online quote discount.
• Travelers includes discounts for driver training, new car, save driver, early quote, student away at school, and multi-car.
• SAFECO offers discounts including drive less, safe driver, multi-car, bundle discounts, and accident prevention training.
• AAA may have discounts that include good student, anti-theft, good driver, AAA membership discount, education and occupation, multi-policy, and multi-car.

When getting free car insurance quotes, it’s a good idea to each insurance company which credits you are entitled to. Discounts may not apply in your state. To locate companies who offer cheap insurance quotes, click here.

When should I discuss my situation with an agent?

When buying the right insurance coverage for your personal vehicles, there is no best way to insure your cars. Everyone’s needs are different.

For example, these questions could help you determine if your insurance needs would benefit from professional advice.

• Where can I get insurance after a DUI in my state?
• Can my teen driver be rated on a liability-only vehicle?
• Do I pay less for low miles?
• Can I afford to buy a different vehicle if my 2004 Chevy Suburban is totaled?
• Is my vehicle covered by my employer’s policy when using it for work?
• Is my dog or cat covered if injured in an accident?
• How high should my uninsured/underinsured coverage be in my state?
• Is business equipment covered while in my vehicle?
• Are my friends covered when driving my 2004 Chevy Suburban?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Smaller companies may have the best rates

Big name companies like Allstate, Geico and Progressive regularly use ads on TV and radio. They all try to convey promises that you can save if you switch to them. Is it even possible that every company can have lower policy pricing? Here is how they do it.

Many companies have strict underwriting profiles for the type of driver that will be a good risk. For instance, a desirable risk may be between the ages of 30 and 45, has no claims, and drives newer vehicles. Any new insured that meets those criteria receives the best premium rates and have a good chance to save if they switch.

Potential insureds who are not a match for the requirements will probably have to pay higher prices and the prospect going elsewhere. If you listen to the ad wording, they say “people that switch” not “everybody who quotes” save money. That’s the way insurance companies can state the savings. This really illustrates why you should compare free car insurance quotes often. It is just not possible to predict which insurance coverage company will give you lower premium rates than your current company.

The coverage is in the details

Understanding the coverages of your policy can help you determine which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses for ambulance fees, nursing services, pain medications, prosthetic devices and doctor visits. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability coverage can cover injuries or damage you cause to other’s property or people. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims like medical expenses, funeral expenses and bail bonds. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Collision protection

This coverage covers damage to your Suburban caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with another moving vehicle, sustaining damage from a pot hole, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to bump up the deductible in order to get cheaper collision rates.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Uninsured or Underinsured Motorist coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that 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 should not be overlooked.

Comprehensive auto coverage

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, damage from flooding, vandalism, fire damage and a broken windshield. The maximum amount your car insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Take this to the bank

We just showed you a lot of tips how to get a better price on 2004 Chevy Suburban insurance. The key thing to remember is the more you quote car insurance, the higher the chance of saving money. Consumers could even find that the lowest priced auto insurance comes from a smaller regional carrier.

While you’re price shopping online, it’s not a good idea to skimp on coverage in order to save money. There are too many instances where someone sacrificed liability limits or collision coverage only to regret at claim time that it was a big mistake. Your goal is to purchase a proper amount of coverage at the best possible price, but do not sacrifice coverage to save money.

Lower-priced 2004 Chevy Suburban insurance is attainable from both online companies and also from your neighborhood agents, and you should compare rates from both to have the best chance of lowering rates. A few companies do not provide internet price quotes and most of the time these smaller providers provide coverage only through independent agents.

Even more information is located by following these links:

• Car Insurance for Teen Drivers with Divorced Parents (Allstate)
• What Does No-Fault Insurance Cover? (Allstate)
• Drunk Driving Statistics (Insurance Information Insitute)
• Vehicle Safety Ratings (iihs.org)