View 2013 Chevrolet Suburban Insurance Quotes

Searching for lower auto insurance rates? Consumers have many options when looking for the best price on Chevy Suburban insurance. They can either waste time struggling with agents to compare prices or utilize the internet to find the lowest rates.

There is a right way and a wrong way to buy auto insurance so you’re going to learn the best way to compare rates for your Chevy and obtain the best price possible.

Consumers should take time to take a look at other company’s rates once or twice a year since insurance rates change quite often. Even if you think you had the best rates on Suburban insurance six months ago there is a good chance you can find better rates now. There is a lot of wrong information about auto insurance on the web, but by reading this article, you’re going to learn some great ideas on how to save money.

Where Can I Get Cheap Auto Insurance?

There are multiple methods to compare 2013 Chevy Suburban auto insurance quotes, but one way is less labor-intensive and much quicker. You can waste a lot of time talking about coverages with local insurance agents in your area, or you could save time and use online quoting to get the quickest rates.

Many insurance companies enroll in a system where prospective buyers complete one form, and at least one company provides a quote. This saves time by eliminating repetitive form submissions to each individual auto insurance company.

To find out how much you’re overpaying now click here (opens in new window).

One minor caviat to comparing rates this way is you can’t choose the companies to get quotes from. If you prefer to choose specific providers to receive pricing from, we put together a list of auto insurance companies in your area. Click to view list.

Whichever way you use, make sure you use exactly the same coverages on every quote you get. If you enter different limits and deductibles on each one it will be next to impossible to determine the lowest rate for your Chevy Suburban.

Are you getting all your discounts?

Insurance can be prohibitively expensive, buy you may qualify for discounts that you may not know about. Some discounts apply automatically when you complete an application, but less common discounts must be inquired about before they will apply. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Passive Restraints and Air Bags – Vehicles with factory air bags can get savings of more than 20%.
  • Safety Course Discount – Taking part in a driver safety course could save 5% or more and easily recoup the cost of the course.
  • One Accident Forgiven – Certain companies will forgive one accident without raising rates so long as you haven’t had any claims for a set time period.
  • 55 and Retired – If you qualify as a senior citizen, you may receive reduced rates on Suburban insurance.
  • Lower Rates for Military – Being on active duty in the military could mean lower rates.
  • Auto/Life Discount – Larger companies have a break if you buy life insurance from them.
  • New Vehicle Savings – Putting insurance coverage on a new car can save up to 30% compared to insuring an older model.
  • Good Student Discount – Performing well in school can get you a discount of up to 25%. The discount lasts up to age 25.
  • Homeowners Savings – Simply owning a home can help you save on auto insurance because of the fact that having a home requires personal responsibility.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because you may think you would end up receiving a 100% discount, companies don’t profit that way. Any amount of discount will reduce the cost of coverage.

To see a list of providers offering auto insurance discounts, click this link.

Your Chevy Suburban insurance rate is a complex equation

It’s important that you understand the rating factors that play a part in calculating the price you pay for car insurance. Having a good understanding of what controls the rates you pay allows you to make educated decisions that may reward you with much lower annual insurance costs.

Shown below are a few of the “ingredients” companies use to determine rates.

  • Men are more aggressive – Statistics demonstrate that women are safer drivers than men. However, don’t assume that men are worse drivers. They both have accidents in similar numbers, but the males cause more damage and cost insurance companies more money. They also receive more costly citations such as DWI and reckless driving.
  • Safer occupants lowers premiums – Vehicles with high crash test scores can get you lower premiums. These vehicles result in less severe injuries and lower injury rates means less money paid by your insurance company and lower rates for you. If your Chevy is rated at least four stars on Safercar.gov you are probably receiving a discount.
  • How’s your driving record? – Even one moving violation can bump up the cost twenty percent or more. Drivers who don’t get tickets receive lower rates than bad drivers. If you have serious violations like DUI or reckless driving may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to continue driving.
  • Clean credit earns discounts – Credit score is a big factor in determining your rates. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with lower ratings. If your credit is low, you could pay less to insure your 2013 Chevrolet Suburban by improving your credit score.
  • One company can mean more discounts – The majority of insurers will award you with lower prices to people who have multiple policies with them in the form of a multi-policy discount. Even if you’re getting this discount you still need to compare rates to confirm you are receiving the best rates possible. Consumers may find a better deal by insuring with multiple companies.
  • Drive less and save money – The higher the mileage driven in a year the higher your rates will be. Most companies charge to insure your cars based on their usage. Cars and trucks used primarily for pleasure use get more affordable rates as compared to vehicles used primarily for driving to work. Improper usage on your Suburban can cost quite a bit. Double check that your car insurance declarations sheet is showing the correct usage for each vehicle.
  • Add-on coverages can add up – There are a ton of additional coverages that you can buy if you aren’t careful. Things like vanishing deductibles, towing coverage and additional equipment coverage are examples of these. These coverages may sound good initially, but now you might not need them so remove them from your policy.

When might I need an agent?

When it comes to buying proper insurance coverage for your personal vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs.

For example, these questions may help you determine if you might need an agent’s assistance.

  • Can I afford to buy a different vehicle if my 2013 Chevy Suburban is totaled?
  • Should I buy only the required minimum liability coverage?
  • Do I need special endorsements for business use of my vehicle?
  • When would I need rental car insurance?
  • Is a blown tire covered by insurance?
  • Can I still get insurance after a DUI?
  • Do I need replacement cost coverage?
  • Is my custom paint covered by insurance?
  • Am I better off with higher deductibles on my 2013 Chevy Suburban?

If you’re not sure about those questions but a few of them apply, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Educate yourself about insurance coverages

Learning about specific coverages of insurance aids in choosing the best coverages and the correct deductibles and limits. Policy terminology can be impossible to understand and coverage can change by endorsement.

Insurance for medical payments – Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for things like surgery, X-ray expenses and EMT expenses. The coverages can be used to cover expenses not covered by your health insurance plan or if you do not have health coverage. Medical payments and PIP cover you and your occupants in addition to any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured Motorist or Underinsured Motorist insurance – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered claims include injuries sustained by your vehicle’s occupants and damage to your 2013 Chevy Suburban.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Usually the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive coverage (or Other than Collision) – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims like hitting a bird, vandalism and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Liability car insurance – Liability coverage can cover damage that occurs to people or other property. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 that translate to a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined limit which provides one coverage limit without having the split limit caps.

Liability can pay for things like legal defense fees, court costs, funeral expenses, medical services and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Collision coverages – This covers damage to your Suburban resulting from a collision with an object or car. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with another moving vehicle, hitting a mailbox, crashing into a building, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

More comparisons equals lower rates

Consumers who switch companies do it for a number of reasons such as being labeled a high risk driver, high rates after DUI convictions, high prices or questionable increases in premium. It doesn’t matter what your reason, choosing a new company is easier than you think.

Budget-conscious 2013 Chevy Suburban insurance can be bought from both online companies and also from your neighborhood agents, so compare prices from both to have the best rate selection. Some insurance providers may not provide the ability to get a quote online and these small, regional companies work with independent agents.

We covered many ideas to shop for insurance online. The most important thing to understand is the more times you quote, the higher the chance of saving money. You may even find the best price on insurance is with the least-expected company.

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