View 2017 Chevrolet Suburban Insurance Quotes

Scraping up a payment for expensive Chevrolet Suburban insurance can empty your monthly budget, especially in this economy. Doing a rate comparison is free, only takes a few minutes, and is a good way to tighten up your finances.

Companies like Allstate, Liberty Mutual and State Farm all claim big savings, bombarding you with catchy ads and it is difficult to see past the geckos and flying pigs and effectively compare rates to find the best deal.

If you currently have car insurance, you will be able to lower your premiums substantially using this strategy. Choosing the best insurance company for you is quite easy. But vehicle owners do need to understand the methods companies use to price online insurance.

The best way we recommend to compare car insurance rates is to take advantage of the fact most larger insurance companies provide online access to provide you with a free rate quote. The only thing you need to do is give them some information including if you’re married, whether your vehicle is owned or leased, how your vehicles are used, and if you went to college. Your insurance information is sent automatically to insurance carriers in your area and you receive quotes with very little delay.

Reduce your insurance rates with discounts

Insuring your vehicles can cost a lot, but there’s a good chance there are discounts that can help lower your rates. Certain reductions will be credited at the time you complete a quote, but some must be inquired about before they will apply.

• Switch and Save Discount – Select larger companies give a discount for buying a new policy prior to your current policy expiring. This discount can save up to 10%.
• Senior Citizen Rates – If you’re over the age of 55, you could receive a small decrease in premiums for Suburban coverage.
• Discount for Low Mileage – Low annual miles could be rewarded with cheaper premium rates.
• Military Discounts – Having a family member in the military could qualify you for better prices.
• Student Discounts – Performing well in school could provide a savings of up to 20% or more. You can use this discount normally until age 25.
• Multiple Policy Discount – If you have multiple policies and place coverage with the same company you could get a discount of at least 10% off all policies.

As a footnote on discounts, most discounts do not apply to all coverage premiums. Some only apply to the price of certain insurance coverages like medical payments or collision. So when the math indicates all the discounts add up to a free policy, nobody gets a free ride.

To find insurance companies that can offer you the previously mentioned discounts, click here.

You are unique and your car insurance should be too

When it comes to choosing adequate coverage, there really is no cookie cutter policy. Everyone’s needs are different and your policy should reflect that. For instance, these questions may help you determine if your insurance needs may require specific advice.

• Can I make deliveries for my home business?
• Is business equipment covered while in my vehicle?
• When should my teen driver be added to my policy?
• Are rental cars covered under my policy?
• Can I get a multi-policy discount for packaging my home and auto coverage?
• Does my medical payments coverage pay my health insurance deductible?
• How high should my medical payments coverage be?

If you don’t know the answers to these questions, you may need to chat with an agent. If you want to speak to an agent in your area, fill out this quick form or click here for a list of car insurance companies in your area.

Car insurance coverage breakdown

Knowing the specifics of your policy can be of help when determining appropriate coverage for your vehicles. Car insurance terms can be ambiguous and nobody wants to actually read their policy. Shown next are typical coverage types found on the average car insurance policy.

Collision protection

This pays for damage to your Suburban resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, colliding with another moving vehicle and crashing into a building. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

This covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims such as hitting a deer, rock chips in glass, damage from getting keyed, falling objects and hitting a bird. The most you can receive from a comprehensive claim is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for liability

This provides protection from damages or injuries you inflict on other people or property that is your fault. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have values of 25/50/25 that translate to a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount and claims can be made without the split limit restrictions.

Liability can pay for claims such as repair costs for stationary objects, loss of income, pain and suffering, structural damage and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Uninsured Motorist or Underinsured Motorist insurance

This coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants as well as damage to your Chevy Suburban.

Since many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Usually your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Insurance for medical payments

Med pay and PIP coverage pay for bills such as doctor visits, X-ray expenses and EMT expenses. They are often used in conjunction with a health insurance policy or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover if you are hit as a while walking down the street. PIP is not an option in every state but can be used in place of medical payments coverage