2006 Chevrolet Suburban Insurance Quotes – 8 Tips for Best Rates

Trying to find better insurance rates for your Chevrolet Suburban? Buying lower-cost insurance is somewhat intimidating for consumers not familiar with comparing rates on the web. With a ridiculous number of companies in the marketplace, how can consumers have time to compare the different rates to find the cheapest rates?

The easiest way to get rate comparisons is to understand car insurance companies provide online access to provide you with a free rate quote. All consumers are required to do is take a few minutes to give details such as marital status, what your job is, if it has an anti-theft system, and which vehicles you own. Your details gets transmitted to multiple companies and they respond with quotes within a short period of time.

But they said I’d save $486 a year!

State Farm, Allstate and Geico seem to constantly run ads in print and on television. All the ads tend to make the same promise of big savings after switching your coverage to them. How is it possible that every company can give you a lower rate? It’s all in the wording.

Most companies have specific criteria for the right customer that earns them the highest profit. One example of this type of insured may need to be a mature driver, insures multiple vehicles, and drives a vehicle with a low ISO rating. A customer getting a price quote who fits that profile receives the best prices and as a result will probably save money with a new company.

Potential customers who do not match the requirements will be quoted higher prices which leads to the customer buying from someone else. The ad wording is “people who switch” but not “all drivers who get quotes” will save that much if they switch. That’s why companies can truthfully make the claims of big savings.

This illustrates why you really should do a quote comparison often. It is impossible to predict with any certainty which company will have the best car insurance rates.

Pay discount rates these eight discounts

Properly insuring your vehicles can get expensive, but you might find some hidden discounts that many consumers don’t even know exist. Certain reductions will be credited at quote time, but a few must be asked about prior to getting the savings.

• Pay Early and Save – By paying your entire bill at once rather than paying monthly you can actually save on your bill.
• Telematics Data Discounts – People who choose to allow driving data submission to spy on vehicle usage remotely like Allstate’s Drivewise may get a rate reduction if they exhibit good driving behavior.
• Discount for Low Mileage – Low mileage vehicles may enable drivers to earn cheaper insurancerates.
• Online Discount – Certain insurance companies give back up to $50 for completing your application digitally online.
• Save with More Vehicles Insured – Drivers who insure multiple vehicles on a single policy qualifies for this discount.
• Discounts for Good Drivers – Insureds who avoid accidents can get discounts for up to 45% lower rates for Suburban insurance than drivers with accidents.
• Senior Citizen Rates – Drivers over the age of 55 may receive better insurance rates for Suburban insurance.
• Professional Organizations – Having an affiliation with a professional or civic organization could earn you a nice discount on your bill.

Discounts save money, but please remember that some of the credits will not apply to all coverage premiums. Most only apply to the price of certain insurance coverages like liability and collision coverage. If you do the math and it seems like adding up those discounts means a free policy, company stockholders wouldn’t be very happy.

To choose providers that offer the discounts shown above, follow this link.

Special considerations

When it comes to buying adequate coverage for your personal vehicles, there really is not a one size fits all plan. Everyone’s needs are different.

For example, these questions could help you determine whether your personal situation would benefit from an agent’s advice.

• Can I pay claims out-of-pocket if I buy high deductibles?
• Do I need PIP coverage since I have good health insurance?
• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Do I pay less for low miles?
• Will my vehicle be repaired with OEM or aftermarket parts?
• Am I covered when using my vehicle for business?
• What is roadside assistance coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form.

Insurance specifics

Understanding the coverages of insurance can be of help when determining which coverages you need and the correct deductibles and limits. Policy terminology can be impossible to understand and reading a policy is terribly boring.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This coverage gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Chevy Suburban.

Because many people have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked. Most of the time these limits are similar to your liability insurance amounts.

Collision coverage

This pays for damage to your Suburban caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as hitting a mailbox, crashing into a ditch and driving through your garage door. Collision is rather expensive coverage, so consider removing coverage from lower value vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

Medical payments and PIP coverage

Medical payments and Personal Injury Protection insurance reimburse you for immediate expenses such as EMT expenses, chiropractic care, pain medications, funeral costs and ambulance fees. They are used to fill the gap from your health insurance policy or if you do not have health coverage. They cover you and your occupants and also covers getting struck while a pedestrian. PIP coverage is not available in all states and may carry a deductible

Auto liability insurance

Liability coverage can cover damages or injuries you inflict on people or other property in an accident. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like pain and suffering, funeral expenses, bail bonds, structural damage and loss of income. How much liability coverage do you need? That is up to you, but you should buy higher limits if possible.

Comprehensive auto coverage

Comprehensive insurance pays for 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 can pay for claims such as hitting a bird, rock chips in glass, a tree branch falling on your vehicle and hitting a deer. The maximum amount you’ll receive from a claim 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.

Don’t be a big spender

The cheapest 2006 Chevy Suburban insurance can be sourced online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some insurance coverage companies may not offer price quotes online and most of the time these smaller companies sell through independent agents.

People who switch companies do it for a variety of reasons including high prices, being labeled a high risk driver, policy cancellation and even poor customer service. Whatever your reason, finding a new company is less work than it seems.

We covered a lot of techniques to get a better price on 2006 Chevy Suburban insurance. The most important thing to understand is the more you quote auto insurance, the higher the chance of saving money. You may even discover the best premium rates are with a small local company.

Additional insurance coverage information can be found on the following sites:

• Credit and Insurance Scores (Insurance Information Insitute)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Coverage Information (Progressive Insurance)
• What does Personal Injury Protection (PIP) Cover? (Allstate)