2000 Chevrolet Suburban Car Insurance Rates

Looking for cheaper car insurance rates for your Chevrolet Suburban? If you’ve never shopped for car insurance online, it’s easy to get overwhelmed due to the large number of companies competing for business.

Insurance Coverage Comparisons

To find the best insurance coverage prices, there are several ways of comparing rates from insurance coverage companies in your area. By far the easiest way to find the lowest 2000 Chevy Suburban rates is to use the internet to compare rates. This can be done in just a few minutes using one of these methods.

1. The most efficient way consumers can analyze rates is a comparison rater form click here to open form in new window. This form eliminates the need for separate quotes for each company you want a rate for. One form gets you coverage quotes from several companies. This is by far the quickest method.
2. Another way to get quotes online requires a trip to the website of each company and request a quote. For sake of this example, we’ll pretend you want to compare rates from State Farm, Geico and GMAC. You would have to take the time to go to each site and enter your policy data, and that’s why the first method is more popular. For a list of links to companies insuring cars in your area, click here.
3. The least efficient way of getting rate comparisons is to spend your day driving to different agent offices. The internet has reduced the need for local agents unless you require the personal advice of a local agent. You can, however, compare the best prices online but buy from a local insurance agent and we’ll touch on that later.

It’s up to you which method you use, but make darn sure you compare identical deductibles and coverage limits for every company. If you compare higher or lower deductibles then you won’t be able to determine the lowest rate for your Chevy Suburban. Quoting even small variations in insurance coverages may cause a big price difference. It’s important to know that obtaining a wide range of quotes will improve the odds of getting the best offered rates.

Save with discounts on 2000 Chevy Suburban insurance

The price of auto insurance can be rather high, but discounts can save money and there are some available that many people don’t even know exist. A few discounts will automatically apply at the time you complete a quote, but a few must be specifically requested before being credited.

• Multiple Policy Discount – When you have multiple policies with the same insurance company you may save approximately 10% to 15%.
• Drivers Ed for Students – Have your child successfully complete driver’s ed class if offered at their school.
• Paperwork-free – A handful of insurance companies may give you up to $50 just for signing your application digitally online.
• Discount for Life Insurance – Larger companies have a discount if you purchase life insurance from them.
• Anti-lock Brake System – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
• Passive Restraints and Air Bags – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of 20% or more.

Drivers should understand that most of the big mark downs will not be given to your bottom line cost. Some only reduce the cost of specific coverages such as liability and collision coverage. So even though it sounds like all the discounts add up to a free policy, companies don’t profit that way. But all discounts will help reduce the amount you have to pay.

To see a list of insurers offering auto insurance discounts, click here to view.

Tailor your coverage to you

When choosing the best insurance coverage coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s.

Here are some questions about coverages that might point out if your situation might need professional guidance.

• Does my personal policy cover me when driving out-of-state?
• Will my insurance pay for OEM parts?
• Is a fancy paint job covered?
• How can I get my company to pay me more for my totalled car?
• If my pet gets injured in an accident are they covered?
• When would I need rental car insurance?
• Where can I get insurance after a DUI in my state?
• What vehicles should carry emergency assistance coverage?
• When can I cancel my policy?
• Is my teen driver covered when they drive my company car?

If you can’t answer these questions but you know they apply to you then you might want to talk to an agent. If you want to speak to an agent in your area, fill out this quick form.

Specific coverages for a Chevy Suburban

Knowing the specifics of a auto insurance policy can be of help when determining which coverages you need and the correct deductibles and limits. Auto insurance terms can be confusing and nobody wants to actually read their policy.

Collision – This pays for damage to your Suburban caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things like driving through your garage door, sustaining damage from a pot hole, backing into a parked car and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. You can also increase the deductible in order to get cheaper collision rates.

Medical costs insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for things like ambulance fees, EMT expenses, dental work and chiropractic care. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers things like hail damage, hitting a bird, damage from getting keyed and a broken windshield. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

UM/UIM Coverage – This coverage provides protection from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Chevy Suburban.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these limits are set the same as your liablity limits.

Liability coverages – Liability coverage protects you from damage or injury you incur to other’s property or people by causing an accident. It protects you against other people’s claims, and does not provide coverage for 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. As an example, you may have policy limits of 25/50/25 that translate to a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability insurance covers claims like court costs, medical expenses, emergency aid, loss of income and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.