2014 Chevrolet Suburban Car Insurance Rates

Trying to find the cheapest auto insurance rates? Buyers have lots of choices when searching for the best price on Chevy Suburban insurance. They can either spend hours struggling with agents to get rate comparisons or save time using the internet to compare rates. There are more efficient ways to find auto insurance online so we’re going to tell you the best way to price shop coverage on a Chevy and locate the lowest price from both online companies and local agents.

Use discounts on insurance

The price of auto insurance can be rather high, but there could be available discounts that can dramatically reduce your bill. Some trigger automatically when you quote, but a few must be requested specifically before being credited.

• Multiple Policy Discount – When you have multiple policies with the same insurance company you could earn a discount of up to 20% off your total premium.
• Professional Memberships – Joining certain professional organizations can get you a small discount on your bill.
• Safe Driver Discounts – Drivers who avoid accidents can save up to 40% or more on their auto insurance quote on Suburban insurance as compared to drivers with claims.
• Early Renewal Discounts – Select companies give a discount for buying a new policy early. Ten percent is about the average savings.
• Multiple Vehicles – Buying insurance for multiple cars or trucks on a single policy can get a discount for every vehicle.
• Driver Education Discount – Require your teen driver to participate in a local driver’s education class if offered at their school.
• Waiver for an Accident – This isn’t a discount exactly, but certain companies will forgive one accident without the usual rate increase with the catch being you have to be claim-free prior to the accident.
• Homeowners Savings – Being a homeowner may trigger a policy discount on insurance since owning and maintaining a home demonstrates responsibility.

A little note about advertised discounts, some credits don’t apply to the entire cost. Most only apply to the price of certain insurance coverages like comprehensive or collision. Despite the fact that it seems like adding up those discounts means a free policy, it just doesn’t work that way.

A few companies who may offer some of the above discounts include:

• Progressive
• The Hartford
• Mercury Insurance
• Geico
• AAA
• State Farm

If you are trying to find inexpensive auto insurance quotes, ask every company which discounts can lower your rates. Savings may not be available in your area. To find providers with the best insurance discounts, click here to view.

Shop insurance online

All the larger insurance companies such as Progressive, Geico, Allstate and State Farm allow you to get insurance quotes on their websites. Getting quotes is pretty painless as you simply enter the coverage amounts you desire into the form. When complete, the quote system gets reports for credit and driving violations and gives you a price quote.

Quoting online streamlines rate comparisons, but having to visit a lot of sites and complete many quote forms is monotonous and tiresome. But it’s necessary to get many rate quotes if you want to find better prices.

The quickest way to find lower prices uses one form to get prices from a bunch of companies at once. The form is fast, eliminates repetitive work, and makes quoting online much simpler. After your information is entered, it is rated and you can choose your choice of the pricing results. If you find a better price it’s easy to complete the application and purchase coverage. This process takes just a few minutes to complete and may result in a nice savings.

To quickly find out if lower rates are available, simply click here to open in new window and begin entering your coverage information. To compare your current rates, we recommend you input as close as possible to your current policy. This way, you will be getting a price comparison for the exact same coverage.

How you can control Chevy Suburban insurance prices

An important part of buying insurance is that you know a few of the rating criteria that play a part in calculating your policy premiums. When consumers understand what determines premiums, this helps enable you to make changes that may reward you with lower premium levels. Many different elements are considered when premium rates are determined. Some are pretty understandable like your driving record, but other factors are more obscure such as your credit history or how financially stable you are.

Shown below are just a few of the factors companies use to determine prices.

• Liability claims can be big – The liability coverage on your policy will afford coverage if ever you are found to be at fault for damages from an accident. Your liability coverage provides you with a defense in court up to the limits shown on your policy. This coverage is very inexpensive as compared to coverage for physical damage, so drivers should carry high limits.
• Do you know you’re credit score? – Having a bad credit score can be a huge factor in your rate calculation. If your credit score is not that good, you could pay less to insure your 2014 Chevrolet Suburban if you clean up your credit. People that have very high credit ratings tend to be better drivers and file fewer claims than those with poor credit.
• Having a spouse can lower rates – Having a spouse may earn you lower rates on your policy. Having a spouse translates into being more responsible and it’s proven that married drivers tend to file fewer claims.
• Higher premiums for coverage lapses – Going without insurance can be a fast way to bump up your auto insurance costs. In addition to paying higher premiums, being ticketed for driving with no insurance could result in a fine, jail time, or a revoked license.

Tailor your insurance coverage to you

When it comes to choosing coverage for your vehicles, there really is not a cookie cutter policy. Every situation is different.

These are some specific questions might point out if your situation could use an agent’s help.

• Am I missing any policy discounts?
• How do I file an SR-22 for a DUI in my state?
• Can I afford to buy a different vehicle if my 2014 Chevy Suburban is totaled?
• Can I get a multi-policy discount?
• Do I really need UM/UIM coverage?
• Should I buy additional glass protection?
• Is my ex-spouse still covered by my policy?
• How high should deductibles be on a 2014 Chevy Suburban?

If you can’t answer these questions, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

What car insurance coverages do you need?

Learning about specific coverages of car insurance helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.

Liability coverage – Liability coverage will cover injuries or damage you cause to people or other property. It protects YOU against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have policy limits of 100/300/100 that means you have $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for claims such as medical expenses, structural damage, pain and suffering, repair costs for stationary objects and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

Collision – This coverage covers damage to your Suburban resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder.

Collision can pay for things like rolling your car, crashing into a building and crashing into a ditch. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage pay for bills such as ambulance fees, dental work, rehabilitation expenses and doctor visits. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This coverage gives you protection when other motorists are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family as well as damage to your 2014 Chevy Suburban.

Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverages – This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as a tree branch falling on your vehicle, fire damage, theft, a broken windshield and hitting a deer. The most a car insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Knowledge is power

People switch companies for a variety of reasons including not issuing a premium refund, delays in responding to claim requests, policy cancellation and high prices. No matter why you want to switch, finding a new company can be easier than you think.

You just learned many ways to shop for 2014 Chevy Suburban insurance online. The most important thing to understand is the more rate comparisons you have, the better your chances of lowering your rates. Drivers may discover the biggest savings come from a small mutual company.

The cheapest 2014 Chevy Suburban insurance can be purchased from both online companies in addition to many insurance agents, and you need to price shop both to have the best chance of lowering rates. A few companies don’t offer online rate quotes and many times these regional carriers only sell through independent insurance agencies.

Additional detailed information can be read in the articles below:

• Teen Driving and Texting (State Farm)
• Parking Tips to Reduce Door Dings (State Farm)
• Medical Payments Coverage (Liberty Mutual)
• Protect Yourself Against Auto Theft (Insurance Information Insitute)
• Frontal Crash Tests (iihs.org)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)