2009 Chevrolet Suburban Insurance Rates – 5 Policy Discounts

Searching for better insurance coverage rates? Consumers have options when looking for the best price on Chevy Suburban insurance. They can either spend hours calling around to get rate comparisons or leverage the internet to compare rates. There are more efficient ways to buy insurance coverage so you’re going to learn the proper way to get price quotes on a Chevy and get the lowest price from both online companies and local agents.

Lots of discounts mean lots of savings

Car insurance companies don’t necessarily list every discount in a way that’s easy to find, so the following is a list of both well-publicized and also the lesser-known discounts you could be receiving. If you aren’t receiving every discount possible, you are paying more than you should be.

  • Anti-lock Brake System – Cars that have steering control and anti-lock brakes can avoid accidents and earn discounts up to 10%.
  • Federal Government Employee – Being employed by or retired from a federal job can earn a discount up to 10% on Suburban coverage depending on your company.
  • Multi-policy Discount – If you have multiple policies with one insurance company you will save approximately 10% to 15%.
  • Homeowners Discount – Simply owning a home may trigger a car insurance policy discount because of the fact that having a home is proof that your finances are in order.
  • Auto/Life Discount – Some companies give lower rates if you buy a life insurance policy as well.

It’s important to understand that many deductions do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you can get free auto insurance, you won’t be that lucky.

To see a list of insurers with the best car insurance discounts, follow this link.

Finding Insurance Deals

Cutting your insurance rates isn’t really that difficult. You just need to invest a little time to compare quotes online from several insurance companies. It is quite easy and can be accomplished in several different ways.

  1. Probably the best way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This type of form eliminates the need for boring form submissions for each company. Just one form will return price quotes from multiple companies. It’s the fastest way to compare.
  2. A more difficult way to obtain and compare quotes online consists of visiting the website for every company you want to comare and request a quote. For instance, let’s say you want comparison quotes from USAA, Safeco and Liberty Mutual. To find out each rate you need to spend time on each company’s site and enter your policy data, which is why the first method is more popular.

    For a handy list of car insurance company links in your area, click here.

It’s your choice how you get your quotes, but ensure you are comparing identical coverages for each comparison quote. If each company quotes higher or lower deductibles you can’t possibly determine which rate is truly the best.

Situations that might require an agent

When it comes to buying adequate coverage, there isn’t really a “perfect” insurance plan. Every situation is different.

For instance, these questions can aid in determining whether or not you might need professional guidance.

  • Should I buy full coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I buy only the required minimum liability coverage?
  • How can I get high-risk coverage after a DUI?
  • Why does it cost so much to insure a teen driver?
  • Am I better off with higher deductibles on my 2009 Chevy Suburban?
  • Is my custom paint covered by insurance?
  • Will filing a claim cost me more?
  • Am I covered when driving in Canada or Mexico?

If you can’t answer these questions, you may need to chat with an insurance agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can provide invaluable advice.

Car insurance coverages 101

Understanding the coverages of car insurance aids in choosing the best coverages and proper limits and deductibles. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring.

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

Comprehensive insurance covers claims like fire damage, hitting a deer, theft, damage from a tornado or hurricane and damage from getting keyed. The maximum amount a car insurance company will pay at claim time is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance reimburse you for expenses such as nursing services, ambulance fees and X-ray expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. It covers all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage – This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your 2009 Chevy Suburban.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Liability auto insurance – Liability insurance provides protection from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU from claims by other people, and does not provide coverage for 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. You commonly see limits of 25/50/25 that translate to a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against things such as loss of income, attorney fees, court costs, bail bonds and pain and suffering. How much coverage you buy is your choice, but consider buying higher limits if possible.

Collision – This covers damage to your Suburban from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things like crashing into a building, rolling your car, crashing into a ditch, hitting a mailbox and colliding with another moving vehicle. 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.

One last thing

As you restructure your insurance plan, never sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced collision coverage and learned later that the small savings ended up costing them much more. Your goal should be to buy the best coverage you can find at an affordable rate while still protecting your assets.

Consumers change insurance companies for many reasons like high rates after DUI convictions, questionable increases in premium, delays in paying claims and even policy cancellation. Regardless of your reason for switching companies, switching car insurance companies is pretty simple and you could end up saving a buck or two.

You just learned some good ideas how to reduce 2009 Chevy Suburban insurance prices online. It’s most important to understand that the more you quote, the more likely it is that you will get a better rate. You may even discover the biggest savings come from an unexpected company.

More information is available at these links: