Cheap 1994 Chevrolet Suburban Insurance Quotes

Feel like you’re a prisoner to an overpriced auto insurance policy? Trust us when we tell you you’re not alone. Companies like Geico and Progressive all promote huge savings with ad campaigns and it is difficult to ignore the promise of big savings and effectively compare rates to find the best deal.

You should take the time to price shop coverage every six months because insurance rates are adjusted regularly by insurance companies. Even if you think you had the lowest price for Suburban insurance six months ago the chances are good that you can find a lower rate today. Forget all the misinformation about auto insurance because you’re about to learn how to use online quotes to properly buy coverages while reducing your premium.

Factors determining your Chevy Suburban insurance premium

Consumers need to have an understanding of some of the elements that go into determining the rates you pay for auto insurance. When you know what positively or negatively influences your rates enables informed choices that may reward you with much lower annual insurance costs.

  • Credit scores impact auto insurance rates – A driver’s credit history is a important factor in determining your rates. Therefore, if your credit rating is not that good, you could pay less to insure your 1994 Chevrolet Suburban by spending a little time repairing your credit. Drivers with high credit scores tend to file fewer claims and have better driving records as compared to drivers with lower credit scores.
  • Don’t cancel a policy without a new one in place – Letting your insurance expire is a sure-fire way to pay more for auto insurance. Not only will rates go up, getting caught without coverage can result in a revoked license or a big fine.
  • Safe vehicles cost less to insure – Vehicles with good safety scores can get you lower premiums. Safer cars protect occupants better and any reduction in injury severity translates into savings for insurance companies passed on to you as lower rates. If your Chevy Suburban has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Battle of the sexes – The statistics show that women are safer drivers than men. Now that doesn’t mean men are WORSE drivers than women. Men and women are in accidents in similar numbers, but men tend to have more serious accidents. Men also get more serious tickets like reckless driving and DUI.

Discounts on 1994 Chevy Suburban insurance

Insuring your fleet can be pricey, buy you may qualify for discounts that you may not know about. Certain discounts will be applied when you complete an application, but some may not be applied and must be asked for before they will apply. If you’re not getting every credit possible, you’re just leaving money on the table.

  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
  • Organization Discounts – Belonging to a professional or civic organization may earn a discount on insurance coverage for Suburban insurance.
  • Good Student Discount – This discount can earn a discount of 20% or more. The good student discount can last until age 25.
  • Auto/Home Discount – When you combine your home and auto insurance with one company you will save 10% to 20% off each policy.
  • Driver Safety – Completing a course teaching defensive driving skills could cut 5% off your bill depending on where you live.
  • Employee of Federal Government – Employees or retirees of the government can earn a discount up to 10% for Suburban insurance with certain companies.
  • Drivers Education – Have your child enroll in driver’s education in high school.
  • Homeowners Pay Less – Simply owning a home can save you money because owning a home requires personal responsibility.
  • Accident Free – Drivers with accident-free driving histories pay much less when compared to drivers who are more careless.

Keep in mind that most of the big mark downs will not be given to the overall cost of the policy. Most only reduce specific coverage prices like comprehensive or collision. Just because you may think all those discounts means the company will pay you, insurance coverage companies aren’t that generous. But all discounts will reduce your overall premium however.

To see a list of companies who offer insurance coverage discounts, click here to view.

Tailor your coverage to you

When buying coverage, there is no perfect coverage plan. Each situation is unique so this has to be addressed. For instance, these questions can help discover whether your personal situation might need an agent’s assistance.

  • What if I total my 1994 Chevy Suburban and owe more than it’s worth?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?
  • What if I don’t agree with a claim settlement offer?
  • Do I need replacement cost coverage on my 1994 Chevy Suburban?
  • Which companies will insure high-risk drivers?
  • Is my dog or cat covered if injured in an accident?
  • Will my insurance pay for OEM parts?
  • Does my policy cover me when driving someone else’s vehicle?
  • Is my ex-spouse still covered by my policy?

If you’re not sure about those questions, you may need to chat with an agent. If you don’t have a local agent, simply complete this short form or click here for a list of car insurance companies in your area. It’s fast, doesn’t cost anything and you can get the answers you need.

The coverage is in the details

Understanding the coverages of insurance helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording. These are the normal coverages available from insurance companies.

Collision insurance

Collision coverage will pay to fix damage to your Suburban resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for things like backing into a parked car, hitting a parking meter, driving through your garage door, hitting a mailbox and rolling your car. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to bump up the deductible in order to get cheaper collision rates.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for short-term medical expenses such as dental work, EMT expenses and nursing services. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive (Other than Collision)

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as rock chips in glass, vandalism and hail damage. The maximum amount a insurance company will pay at claim time is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. It can pay for medical payments for you and your occupants and damage to your 1994 Chevy Suburban.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea. Normally these limits are similar to your liability insurance amounts.

Auto liability insurance

Liability coverage will cover injuries or damage you cause to other people or property that is your fault. It protects YOU against claims from other people, and does not provide coverage for damage to your own property or vehicle.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Some companies may use one number which is a combined single limit which combines the three limits into one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as funeral expenses, attorney fees, structural damage and repair costs for stationary objects. How much liability coverage do you need? That is a decision to put some thought into, but it’s cheap coverage so purchase higher limits if possible.

Be a Smart Shopper

We’ve covered many tips how you can reduce 1994 Chevy Suburban insurance prices online. It’s most important to understand that the more rate comparisons you have, the higher the chance of saving money. You may even find the lowest premiums are with the least-expected company. Some small companies often have lower prices on specific markets than the large multi-state companies such as Allstate or State Farm.

Cheaper insurance can be sourced online and also from your neighborhood agents, and you need to price shop both in order to have the best price selection to choose from. Some companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

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