Lower Your 1996 Chevrolet Suburban Car Insurance Cost

Are you overwhelmed by the dozens of insurance coverage choices? You have a lot of company. You have so many options available that it can turn into a ton of work to find the best price.

How to Compare Insurance Costs

Performing a rate comparison can be a lot of work if you aren’t aware of the easiest way. You can waste hours driving to insurance companies in your area, or you can utilize online quotes to maximize your effort.

The majority of car insurance companies belong to a marketplace that allows shoppers to complete one form, and each participating company then returns a price quote based on that data. This saves time by eliminating quote forms for each company you want a rate for.

To fill out one form to compare multiple rates now click to open in new window.

The one downside to doing it this way is you cannot specify which providers you will receive quotes from. So if you prefer to choose individual companies to request quotes from, we have a listing of companies who write insurance in your area. View list of insurance companies.

However you get your quotes, double check that you are using the exact same coverage information on every quote. If you use different deductibles it will be impossible to find the best deal for your Chevy Suburban. Just a small difference in coverage limits can mean a large discrepancy in price. It’s important to know that more quotes provides better odds of finding the best offered rates.

Cut your car insurance rates with discounts

Insurance can be prohibitively expensive, but there are discounts available to reduce the price significantly. Some trigger automatically when you purchase, but less common discounts must be specifically requested prior to getting the savings.

  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • Homeowners Pay Less – Being a homeowner can save you money because maintaining a house shows financial diligence.
  • New Vehicle Savings – Buying coverage on a new vehicle is cheaper since new cars are generally safer.
  • Life Insurance Discount – Larger companies have a break if you buy life insurance.
  • Fewer Miles Equal More Savings – Low mileage vehicles can earn lower rates on the low mileage vehicles.
  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Paperless Signup – Certain companies may give you up to $50 for buying a policy and signing up on their website.
  • Seat Belts Save – Requiring all passengers to buckle their seat belts could save 15% off your PIP or medical payments premium.

Drivers should understand that some credits don’t apply to the overall cost of the policy. Some only apply to specific coverage prices like collision or personal injury protection. Just because it seems like it’s possible to get free car insurance, car insurance companies aren’t that generous. But any discount will help reduce your overall premium however.

Insurance companies that possibly offer these benefits are:

Check with every prospective company which discounts they offer. Savings may not apply in your state.

You are unique and your car insurance should be too

When it comes to buying the right insurance coverage for your vehicles, there really is not a “perfect” insurance plan. Each situation is unique.

These are some specific questions may help highlight if your situation would benefit from an agent’s advice.

  • What is PIP insurance?
  • Do I pay less for low miles?
  • How much liability coverage do I need in my state?
  • How does medical payments coverage work?
  • Should I buy full coverage?
  • What is high-risk coverage and where do I buy it?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, simply complete this short form.

Complexity of Chevy Suburban insurance rates

An important part of buying insurance is that you know some of the elements that help determine your auto insurance rates. Knowing what determines base rates empowers consumers to make smart changes that will entitle you to much lower annual insurance costs.

  • Do you know your deductibles? – Physical damage insurance, termed comprehensive and collision coverage on your policy, protects your Chevy from damage. Examples of covered claims could be colliding with a building, damage caused by hail, and burglary. Deductibles for physical damage are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The more you’re willing to pay, the less your company will charge you for insurance for Suburban insurance.
  • Never go without insurance – Allowing your auto insurance policy to lapse will be a guaranteed way to increase your auto insurance rates. Not only will you pay more, failure to provide proof of insurance can result in a revoked license or a big fine.Then you may be required to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Protect yourself with liability coverage – Your policy’s liability coverage will protect you in the event that a court rules you are at fault for causing damage or personal injury in an accident. Liability insurance provides legal defense coverage which can be incredibly expensive. Liability is cheap as compared to coverage for physical damage, so drivers should carry high limits.
  • Do you qualify for a multi-policy discount? – The majority of insurance companies will award you with lower prices to policyholders who have multiple policies with them. It’s known as a multi-policy discount. This can amount to 10 percent or more. Even with this discount, it’s in your best interest to comparison shop to confirm you are receiving the best rates possible.
  • Theft deterrents lower rates – Choosing a vehicle that has an advanced theft prevention system can help lower your rates. Anti-theft devices like LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system can thwart auto theft.
  • Older drivers save more – Young drivers have a tendency to be less responsible behind the wheel so they pay higher auto insurance rates. If you’ve ever had to add a teenage driver onto a policy can be quite pricey. Older drivers tend to be more responsible, file fewer claims and receive fewer citations.

Are car insurance companies telling the truth?

Car insurance providers like State Farm and Allstate continually stream television and radio advertisements. They all say the same thing about savings after switching to their company. How can each company say the same thing?

Different companies can use profiling for the driver that is profitable for them. A good example of a profitable customer might be profiled as a mature driver, has no prior claims, and drives less than 7,500 miles a year. A customer who meets those qualifications gets the lowest rates and therefore will cut their rates substantially.

Potential customers who don’t meet these standards will be quoted a more expensive rate which usually ends up with business going elsewhere. Company advertisements say “drivers who switch” not “everyone that quotes” save that much money. This is how insurance companies can confidently advertise the way they do.

This emphasizes why you should compare many company’s rates. It’s just too difficult to predict which car insurance company will provide you with the cheapest Chevy Suburban insurance rates.

Specific coverages for a 1996 Chevy Suburban

Learning about specific coverages of your car insurance policy helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy.

Liability coverage – This can cover damage or injury you incur to people or other property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which stand for a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and a total limit of $50,000 for damage to vehicles and property. Alternatively, you may have a combined limit that pays claims from the same limit without having the split limit caps.

Liability insurance covers claims like attorney fees, structural damage, bail bonds, medical expenses and legal defense fees. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Collision coverage – Collision insurance pays for damage to your Suburban resulting from colliding with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as sustaining damage from a pot hole, driving through your garage door and crashing into a ditch. This coverage can be expensive, so consider dropping it from lower value vehicles. You can also increase the deductible to bring the cost down.

Medical expense coverage – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as chiropractic care, surgery, prosthetic devices, funeral costs and hospital visits. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible

Comprehensive protection – This coverage covers damage that is not covered by collision coverage. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like damage from flooding, fire damage, falling objects and rock chips in glass. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Chevy Suburban.

Since a lot of drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Usually these coverages do not exceed the liability coverage limits.

Affordable insurance is out there

Lower-priced 1996 Chevy Suburban insurance is available both online as well as from independent agents, and you need to comparison shop both to have the best rate selection. Some auto insurance companies don’t offer the ability to get a quote online and these smaller companies work with independent agents.

You just learned some good ideas how to shop for insurance online. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. You may be surprised to find that the best price on auto insurance is with some of the smallest insurance companies.

Drivers switch companies for many reasons like high rates after DUI convictions, not issuing a premium refund, high prices and even delays in paying claims. It doesn’t matter why you want to switch finding a new company can be pretty painless.

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