1991 Chevrolet Suburban Car Insurance Quotes – 10 Discounts for Best Rates

Having to pay for overpriced Chevrolet Suburban insurance can drain your personal savings and put a big crunch on your finances. Comparison shopping is free and is an excellent way to help make ends meet.

Insurance companies such as State Farm, Progressive and Geico constantly blast consumers with ads and it can be hard to avoid their marketing magic and take the time to shop coverage around.

Smart consumers take time to get comparison quotes at least once a year because insurance rates tend to go up over time. Even if you think you had the lowest price for Suburban coverage a couple years back you can probably find a better price now. So ignore everything you know about insurance coverage because it’s time to teach you the fastest and easiest way to save money, get proper coverage and the best rates.

Don’t miss these ten discounts

Car insurance companies don’t always publicize all available discounts in an easy-to-find place, so we took the time to find both well-publicized as well as the least known ways to save on insurance.

  • Organization Discounts – Participating in a qualifying organization may earn a discount on your policy for Suburban coverage.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and will save you 10% or more.
  • Auto/Life Discount – Some companies give a break if you buy life insurance.
  • Distant Student – Children who are attending college and do not have a car can be insured at a reduced rate.
  • Federal Government Employee – Simply working for the federal government can earn a discount up to 10% for Suburban coverage with certain companies.
  • Drive Safe and Save – Safe drivers can get discounts for up to 45% lower rates for Suburban coverage than less cautious drivers.
  • Paperwork-free – A few companies will give a small break for buying a policy and signing up on their website.
  • Accident Waiver – A handful of insurance companies allow you one accident before raising your premiums if you are claim-free prior to the accident.
  • Military Discounts – Being on active duty in the military can result in better rates.
  • Homeowners Savings – Owning a home can save you money because maintaining a house shows financial diligence.

It’s important to note that most discount credits are not given the the whole policy. Most cut individual premiums such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, you won’t be that lucky.

A partial list of companies that may have these money-saving discounts are:

It’s a good idea to ask every prospective company how you can save money. Discounts may not be available everywhere.

Fast and Easy Insurance Quotes

To find the best insurance prices, there are several ways to get quotes and find the best price. One of the best ways to find the cheapest 1991 Chevy Suburban insurance rates consists of shopping online. This can be done using a couple different methods.

  • The easiest and least time consuming way to get quotes would be an industry-wide quote request form (click to open form in new window). This type of form eliminates the need for repetitive form entry for every insurance company. Taking the time to complete one form gets you price quotes from all major companies.
  • Another way to get quotes online requires a trip to each company website to complete their respective quote request forms. For example, we’ll pretend you want to compare State Farm, Esurance and Travelers. To get each rate you have to spend time on each company’s site to enter your coverage information, which is why the first method is quicker.

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

It’s up to you how you get prices quotes, just make absolute certain that you use identical coverage information with every price quote. If you enter unequal deductibles or liability limits you can’t possibly truly determine the lowest rate. Having just a slight variation in limits may result in a large different in cost. And when price shopping your coverage, quoting more will enable you to find the best rates.

When might I need help?

When it comes to choosing the best auto insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is unique so this has to be addressed. For instance, these questions may help highlight if your situation could use an agent’s help.

  • Should I carry comprehensive and collision coverage?
  • What is medical payments coverage?
  • Does my personal policy cover me when driving out-of-state?
  • What companies insure drivers after a DUI or DWI?
  • Am I covered if I wreck a rental car?
  • Is upholstery damage covered by car insurance?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies.

Car insurance coverage information

Understanding the coverages of your insurance policy aids in choosing the right coverages and the correct deductibles and limits. Policy terminology can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on the average insurance policy.

Uninsured Motorist or Underinsured Motorist insurance – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy Suburban.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance covers damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as hail damage, hitting a deer, damage from a tornado or hurricane, damage from flooding and a broken windshield. The maximum payout your insurance company will pay is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability – This coverage protects you from injuries or damage you cause to other people or property. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see values of 50/100/50 that means you have a $50,000 limit per person for injuries, $100,000 for the entire accident, and $50,000 of coverage for damaged propery.

Liability insurance covers claims such as funeral expenses, attorney fees, medical expenses, court costs and medical services. How much liability coverage do you need? That is up to you, but buy higher limits if possible.

Insurance for medical payments – Med pay and PIP coverage provide coverage for bills for things like surgery, X-ray expenses and rehabilitation expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Collision coverages – Collision coverage pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as sustaining damage from a pot hole, scraping a guard rail, crashing into a building, damaging your car on a curb and backing into a parked car. Collision coverage makes up a good portion of your premium, so consider dropping it from older vehicles. You can also raise the deductible to bring the cost down.

Buy online or local, you save

Discount 1991 Chevy Suburban insurance is available from both online companies in addition to many insurance agents, so you should be comparing quotes from both to have the best chance of lowering rates. There are still a few companies who do not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

In this article, we covered a lot of information how to reduce insurance prices online. It’s most important to understand that the more companies you get rates for, the more likely it is that you will get a better rate. You may be surprised to find that the most savings is with the least-expected company. Regional companies may often insure only within specific states and give getter rates than the large multi-state companies such as Progressive and Geico.

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