View 1993 Chevrolet Suburban Insurance Rates

Want the cheapest car insurance rates for your Chevrolet Suburban? Finding affordable car insurance can seem to be nearly impossible for consumers not familiar with comparison shopping online. People have so many options available that it can turn into a ton of work to locate the lowest price.

Compare Auto Insurance Today

There are several ways you can shop for Chevy Suburban auto insurance and some are easier and takes less work. You could spend your day driving to agents in your area, or you could use the web to get rates in a matter of minutes.

Many companies belong to an insurance system that allows shoppers to only type in their quote data once, and at least one company provides a quote for coverage. This system prevents you from having to do repetitive form submissions for each company you want a rate for.

To use this form to compare 1993 Chevy Suburban insurance rates click to open in new window.

The one downside to comparing rates this way is buyers cannot specifically choose the insurers to get quotes from. If you wish to select specific providers to compare, we have a listing of the cheapest auto insurance companies in your area. Click here to view list.

Whichever method you choose, compare the exact same coverage limits and deductibles for every company. If you are comparing different deductibles it will be impossible to determine the lowest rate for your Chevy Suburban. Slightly different coverages may result in large price differences. Just keep in mind that getting more free quotes helps you find lower pricing.

Be sure to get all your discounts

The price of auto insurance can be rather high, but there could be available discounts that you may not know about. Most are applied at the time you complete a quote, but less common discounts must be requested specifically prior to getting the savings.

  • Club Memberships – Being a member of a qualifying organization is a good way to get lower rates on car insurance on Suburban coverage.
  • Discount for Swiching Early – A few companies offer discounts for signing up prior to your current policy expiring. The savings is around 10%.
  • Multiple Vehicles – Insuring multiple vehicles on one policy qualifies for this discount.
  • Defensive Driver – Taking part in a defensive driving course could cut 5% off your bill if your company offers it.
  • Claim Free – Good drivers with no accidents pay less as compared to frequent claim filers.
  • Own a Home – Being a homeowner can save you money due to the fact that maintaining a home requires personal responsibility.

It’s important to note that most credits do not apply to your bottom line cost. Most only cut the price of certain insurance coverages like liability and collision coverage. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck. Any amount of discount will cut your overall premium however.

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

Before buying, ask each insurance company how you can save money. Some discounts may not apply in your area.

How do I know if I need professional advice?

When choosing the right insurance coverage for your vehicles, there really is no “best” method to buy coverage. Your needs are not the same as everyone else’s.

These are some specific questions can aid in determining whether your personal situation might need professional guidance.

  • Can I rent a car in Mexico?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How can I force my company to pay a claim?
  • Am I insured when driving a different vehicle?
  • Do I pay less if my vehicle is kept in my garage?
  • Does my 1993 Chevy Suburban need full coverage?
  • What is medical payments coverage?
  • Which is better, split liability limits or combined limits?

If you can’t answer these questions but one or more may apply to you, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form.

Auto insurance coverages

Learning about specific coverages of a insurance policy can help you determine the best coverages and the correct deductibles and limits. Policy terminology can be ambiguous and reading a policy is terribly boring.

Comprehensive or Other Than Collision – Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things such as damage from getting keyed, damage from flooding, theft and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage will pay to fix damage to your Suburban from colliding 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 coverage pays for claims such as backing into a parked car, crashing into a building, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Another option is to increase the deductible to bring the cost down.

Auto liability – Liability insurance can cover damages or injuries you inflict on people or other property by causing an accident. It protects you against claims from other people. Liability doesn’t cover your own vehicle damage or injuries.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 100/300/100 which means a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000. Alternatively, you may have a combined limit which limits claims to one amount with no separate limits for injury or property damage.

Liability can pay for things such as funeral expenses, medical expenses, attorney fees and structural damage. The amount of liability coverage you purchase is a personal decision, but you should buy as large an amount as possible.

UM/UIM Coverage – This coverage protects you and your vehicle when the “other guys” either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage pay for expenses such as EMT expenses, dental work, hospital visits and funeral costs. They are often used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay