1996 GMC Suburban Car Insurance Quotes

Looking for lower insurance rates for your GMC Suburban? Did you fall for a flashy sales pitch and buy overpriced insurance? Believe me when I say you are not the only one feeling buyer’s remorse. Multiple auto insurance companies compete to insure your vehicles, and because of this it can be hard to compare car insurance companies and get the best coverage at the best rate

If you are insured now or are just looking to switch companies, you can learn to cut your premiums and still get good coverage. Buying car insurance is not that difficult. Vehicle owners only need to know the most effective way to shop online.

What determines your GMC Suburban insurance premium

It’s important that you understand the rating factors that come into play when calculating auto insurance rates. When you know what positively or negatively controls the rates you pay empowers consumers to make smart changes that will entitle you to lower auto insurance prices.

The list below includes a few of the “ingredients” used by your company to calculate prices.

  • Do you know you’re credit rating? – Your credit score is a big factor in calculating your auto insurance rates. If your credit score is lower than you’d like, you could potentially save money when insuring your 1996 GMC Suburban by spending a little time repairing your credit. Drivers who have good credit tend to be better drivers and file fewer claims than drivers with poor credit.
  • Protect yourself with liability coverage – Liability insurance is the coverage that protects you if ever you are found liable for damages caused by your negligence. Liability provides legal defense starting from day one. This coverage is very inexpensive compared to physical damage coverage, so buy as much as you can afford.
  • Teen drivers pay high rates – Teen drivers are statistically proven to be less responsible in a vehicle so auto insurance rates are higher. Mature drivers tend to be more responsible, file fewer claims and are safer drivers.
  • Higher deductibles cost less – Coverage for physical damage, also known as collision and other-than-collision, is used to repair damage to your GMC. Some examples of claims that would be covered are a windshield shattered by a rock, damage caused by hail, and rolling your vehicle. The deductibles are how much you are required to spend if you file a covered claim. The more expense the insured has to pay upfront, the lower your rates will be on Suburban insurance.

Discounts to lower GMC Suburban insurance rates

Insurance can cost an arm and a leg, but discounts can save money and there are some available to reduce the price significantly. Some trigger automatically when you quote, but some may not be applied and must be manually applied prior to receiving the credit. If you aren’t receiving every discount you qualify for, you’re just leaving money on the table.

  • No Claims – Claim-free drivers can save substantially when compared to accident-prone drivers.
  • Multi-car Discount – Buying coverage for more than one vehicle on the same car insurance policy may reduce the rate for each vehicle.
  • Homeowners Savings – Simply owning a home may earn you a small savings because maintaining a house is proof that your finances are in order.
  • Discount for Good Grades – Performing well in school can save 20 to 25%. Earning this discount can benefit you up until you turn 25.
  • Payment Discounts – If you pay your bill all at once instead of making monthly payments you may reduce your total bill.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and therefore earn up to a 10% discount.
  • Multi-policy Discount – If you insure your home and vehicles with one insurance company you may save up to 20% off your total premium.
  • Life Insurance – Some companies give a discount if you purchase life insurance from them.
  • Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and will save you 10% or more.

Keep in mind that most of the big mark downs will not be given the the whole policy. Most only cut the cost of specific coverages such as comp or med pay. So when the math indicates you could get a free car insurance policy, companies wouldn’t make money that way. But all discounts will help reduce your premiums.

Companies that may have some of the above discounts include:

Check with each company how you can save money. Discounts may not be available in your state.

Advertising myths

Consumers can’t get away from ads that promise big savings from the likes of State Farm, Allstate and Geico. All the companies make the same claim about savings if you move your coverage to them.

How can each company make the same claim?

All companies are able to cherry pick for the type of driver that is profitable for them. An example of a driver they prefer might be profiled as over the age of 50, a clean driving record, and drives less than 10,000 miles a year. A customer getting a price quote who fits that profile will get very good rates and most likely will save quite a bit of money when switching.

Potential insureds who fall outside this ideal profile will be quoted a more expensive rate which leads to business not being written. The ad wording is “customers who switch” not “everyone that quotes” save that much money. That’s why companies can claim big savings.

This emphasizes why drivers should get as many quotes as possible. It is impossible to predict which auto insurance company will have the lowest GMC Suburban insurance rates.

Tailor your coverage to you

When it comes to buying the best auto insurance coverage, there really is not a “best” method to buy coverage. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions might help in determining if you will benefit from professional help.

  • Is pleasure use cheaper than using my 1996 GMC Suburban to commute?
  • Am I covered if I wreck a rental car?
  • Can I rent a car in Mexico?
  • Am I covered when driving someone else’s vehicle?
  • At what point should I drop full coverage?
  • Is other people’s property covered if stolen from my vehicle?
  • What is no-fault insurance?
  • How does medical payments coverage work?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Auto insurance 101

Knowing the specifics of your policy helps when choosing which coverages you need for your vehicles. Policy terminology can be ambiguous and coverage can change by endorsement. Below you’ll find typical coverages found on most insurance policies.

Collision coverage protection

Collision coverage pays for damage to your Suburban from colliding with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for things like colliding with another moving vehicle, driving through your garage door and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from older vehicles. It’s also possible to choose a higher deductible to bring the cost down.

Liability coverage

This coverage provides protection from injuries or damage you cause to a person or their property by causing an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.

Liability can pay for claims such as structural damage, pain and suffering, medical expenses, court costs and emergency aid. The amount of liability coverage you purchase is a decision to put some thought into, but consider buying as large an amount as possible.

Protection from uninsured/underinsured drivers

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your GMC Suburban.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Medical expense insurance

Med pay and PIP coverage provide coverage for immediate expenses like X-ray expenses, ambulance fees, EMT expenses, surgery and prosthetic devices. They can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants in addition to if you are hit as a while walking down the street. PIP is not universally available and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like hitting a bird, a tree branch falling on your vehicle and damage from flooding. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Quote often and quote early

When you buy insurance online, it’s a bad idea to skimp on coverage in order to save money. In too many instances, an insured cut uninsured motorist or liability limits only to find out that they should have had better coverage. The proper strategy is to purchase plenty of coverage at a price you can afford.

Discount 1996 GMC Suburban insurance can be found from both online companies as well as from independent agents, so you should be comparing quotes from both in order to have the best price selection to choose from. Some auto insurance companies don’t offer you the ability to get quotes online and these small insurance companies work with independent agents.

To learn more, take a look at the resources below: