2013 Chevrolet Suburban Car Insurance Rates – 8 Tricks for Best Quotes

Trying to find cheaper insurance coverage rates for your Chevrolet Suburban? There isn’t a single person who gets a kick out of paying for insurance coverage, especially when they are aware that the cost is too high. With vehicle owners having so many insurance providers from which to choose, it’s nearly impossible to locate a lower cost company.

Consumers need to compare prices every six months because prices are usually higher with each renewal. Despite the fact that you may have had the best deal for Suburban insurance a year ago you will most likely find a better premium rate today. You can find a lot of wrong information about insurance coverage online, but we’re going to give you some solid techniques on how to stop overpaying for insurance.

Finding the best rates is not rocket science. If you are insured now or need a new policy, you can use these tips to shop for the lowest rates and still get good coverage. Vehicle owners just need to know the proper methods to compare price quotes online.

Take these eight policy discounts and save

Auto insurance companies don’t always advertise every possible discount in an easy-to-find place, so here is a list both the well known as well as the least known credits available to lower your premiums when you buy insurance coverage online. If you are not receiving all the discounts possible, it’s possible you qualify for a lower rate.

• Anti-lock Brake Discount – Anti-lock brake equipped vehicles prevent accidents so companies give up to a 10% discount.
• Discount for Home Ownership – Just owning your own home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
• Renewal Discounts – Some insurance companies give discounts for switching companies early. You may see this discount when you get insurance coverage quotes online.
• Discount for Life Insurance – Not all insurance coverage companies offer life insurance, but some may give you better premium rates if you take out a life policy as well.
• Safety Restraint Discount – Using a seat belt and requiring all passengers to buckle up before driving can save a little off the personal injury premium cost.
• Senior Citizen Discount – Drivers over the age of 55 may be able to get better insurance coverage rates for Suburban insurance.
• Online Discount – Some companies may give you up to $50 for completing your application digitally online.
• Discount for Good Grades – Performing well in school may save as much as 25% on a insurance coverage quote. Many companies even apply the discount to college students well after school through age 25.

Discounts reduce rates, but you should keep in mind that some of the credits will not apply the the whole policy. Most only cut individual premiums such as comprehensive or collision. Despite the fact that it seems like you could get a free insurance coverage policy, you aren’t that lucky.

The best insurance coverage companies and some of the discounts are:

• Progressive may offer discounts for continuous coverage, homeowner, online quote discount, multi-vehicle, and good student.
• MetLife may have discounts that include claim-free, good student, accident-free, good driver, defensive driver, multi-policy
• Mercury Insurance offers discounts for multi-car, anti-theft, annual mileage, low natural disaster claims, location of vehicle, ease of repair, and type of vehicle.
• Nationwide offers premium reductions for family plan, good student, easy pay, Farm Bureau membership, multi-policy, and business or organization.
• Geico policyholders can earn discounts including military active duty, federal employee, emergency military deployment, defensive driver, and anti-lock brakes.
• AAA discounts include multi-car, education and occupation, AAA membership discount, anti-theft, multi-policy, and good driver.

Before you buy a policy, ask all the companies how you can save money. Discounts might not be available to policyholders in your area. To find insurance coverage companies with discount rates, click this link.

How to shop insurance online

Finding cheap 2013 Chevy Suburban insurance rates can be quick and easy. Just take the time comparing rate quotes to find the company with low cost insurance coverage quotes. It is quite easy and can be accomplished in a couple of different ways.

• The easiest and least time consuming way to get quotes is a comparison rater form click here to open form in new window. This style of form keeps you from doing a different quote for each price estimate. One form compares rates from multiple low-cost companies.
• A less efficient way to compare prices consists of visiting each company’s website and get a separate price quote. For examples sake, let’s assume you want to compare rates from Farmers, Allstate and Progressive. To get each rate you have to spend time going to each site individually to enter your coverage information, which can be really labor intensive.

  For a list of links to companies insuring cars in your area, click here.

• The hardest method to compare price estimates is to waste gas driving to different agent offices. Doing it all online has reduced the need for local agents unless you have a need for the personal advice that you can only get from talking to an agent. However, consumers can get prices online and get advice from an agent in your area.

It’s your choice how you get your quotes, but try to keep the exact same coverage data for every company. If each company quotes unequal deductibles or liability limits it will be nearly impossible to determine which company has the best rates.

Which policy gives me the best coverage?

When it comes to buying adequate coverage for your vehicles, there really is no best way to insure your cars. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions could help you determine if your situation could use an agent’s help.

• How can I get my company to pay me more for my totalled car?
• Who is covered when they drive my 2013 Chevy Suburban?
• Does having multiple vehicles earn me a discount?
• Can my teen driver be rated on a liability-only vehicle?
• How can I find cheaper teen driver insurance?
• Does car insurance cover theft of personal property?
• Does insurance cover tools stolen from my truck?
• Is a fancy paint job covered?
• Is my teen driver covered when they drive my company car?
• How can I get high-risk coverage after a DUI?

If you can’t answer these questions but a few of them apply then you might want to talk to a licensed agent. If you want to speak to an agent in your area, take a second and complete this form or you can also visit this page to select a carrier It’s fast, free and you can get the answers you need.

The insurance coverage bait and switch

Consumers can’t get away from ads that claim the lowest prices from companies such as Progressive, Allstate and Geico. They all state the claim that people will save if you just switch your coverage to them.

How can each company give you a lower rate? This is the way they can do it.

Insurance providers quote their best rates for the type of insured they prefer to insure. For example, this type of risk profile might be between the ages of 40 and 55, has never had a policy lapse, and drives less than 7,500 miles a year. Any new insured who fits that profile receive the lowest rate quotes and as a result will probably save a lot if they switch.

Potential insureds who are not a match for the ideal profile will see higher prices which usually ends up with the customer not buying. If you listen closely, the ads state “customers that switch” not “all people who quote” can save as much as they claim. That is how insurance companies can confidently make the claims of big savings. Because of the profiling, you should compare quotes as often as possible. Because without a comparison, you cannot know which insurance coverage company will have the lowest rates.

Specific coverage details

Understanding the coverages of your insurance policy aids in choosing which coverages you need for your vehicles. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages available from insurance companies.

Auto collision coverage

Collision insurance will pay to fix damage to your Suburban resulting from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against claims such as hitting a parking meter, scraping a guard rail and colliding with another moving vehicle. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to raise the deductible to save money on collision insurance.

Comprehensive coverages

This coverage pays to fix your vehicle from 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 falling objects, hitting a bird, damage from flooding and a tree branch falling on your vehicle. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for immediate expenses like rehabilitation expenses, pain medications, prosthetic devices and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Liability coverage

This coverage provides protection from damages or injuries you inflict on a person or their property. Liability coverage has three 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 $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability can pay for claims such as repair bills for other people’s vehicles, court costs and structural damage. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase higher limits if possible.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Suburban.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is very important.

Smart consumers save more

When you buy insurance coverage online, you should never sacrifice coverage to reduce premiums. There are many occasions where someone sacrificed full coverage only to regret at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to buy a smart amount of coverage at an affordable rate while still protecting your assets.

You just read some good ideas how you can reduce 2013 Chevy Suburban insurance premium rates online. The most important thing to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the lowest premium rates are with the smaller companies. These smaller insurers may often insure only within specific states and give getter rates than the large multi-state companies such as Allstate or State Farm.

To learn more, link through to these articles:

• Comprehensive Coverage (Liberty Mutual)
• Electronic Stability Control FAQ (iihs.org)
• Credit Impacts Car Insurance Rates (State Farm)
• Cellphones, Texting and Driving (iihs.org)