Save on 1995 Chevrolet Suburban Insurance Quotes

Want cheaper insurance rates for your Chevrolet Suburban? No one likes having to buy insurance, in particular when their premiums are too high.

With so many insurance companies to choose from, it is very difficult to pick the best car insurance company.

The best way we recommend to compare car insurance company rates takes advantage of the fact most of the bigger providers participate in a system to compare their rates. The only thing you need to do is give the companies some data such as if it has an alarm system, if the vehicle is leased, your education level, and whether you have decent credit. Your information is sent automatically to multiple companies and you should receive rate quotes instantly.

Drivers who switch save $453 a year? Really?

Progressive, Allstate and Geico continually stream television and radio advertisements. All the companies make the same claim that you’ll save big after switching to them. How does each company make almost identical claims? It’s all in the numbers.

All companies have a preferred profile for the type of customer they prefer to insure. An example of a driver they prefer could be a mature driver, owns a home, and has a short commute. Any new insured who fits that profile gets the lowest rates and as a result will probably pay quite a bit less when switching companies.

Potential insureds who don’t measure up to this ideal profile will have to pay higher rates which leads to the driver buying from a lower-cost company. The ads state “people who switch” not “everybody who quotes” save that much money. That’s why companies can truthfully advertise the way they do. Because of the profiling, it’s extremely important to get quotes from several different companies. It’s impossible to know which car insurance company will fit your personal profile best.

Cut prices on Chevy Suburban insurance

Companies don’t always advertise all their discounts in a way that’s easy to find, so we took the time to find some of the more common and the more hidden savings tricks you should be using.

  • Safe Drivers – Insureds without accidents may receive a discount up to 45% less on Suburban coverage than drivers with accident claims.
  • Save with a New Car – Adding a new car to your policy can be considerably cheaper because new vehicles have to meet stringent safety requirements.
  • Payment Discounts – If you pay your entire premium ahead of time instead of making monthly payments you could save up to 5%.
  • No Accidents – Good drivers with no accidents pay less compared to bad drivers.
  • Military Discounts – Having a family member in the military may qualify for rate reductions.
  • Multi-policy Discount – If you have multiple policies with the same company you may save 10% to 20% off each policy.

It’s important to understand that most discount credits are not given the the whole policy. Most only apply to specific coverage prices like collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, you won’t be that lucky.

Insurance companies that may offer these benefits include:

Double check with each insurance company which discounts you may be entitled to. Some discounts might not apply in your area.

Tailor your coverage to you

When it comes to buying proper insurance coverage for your vehicles, there isn’t really a best way to insure your cars. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether you would benefit from an agent’s advice.

  • Does my car insurance cover rental cars?
  • Should I have a commercial auto policy?
  • Is pleasure use cheaper than using my 1995 Chevy Suburban to commute?
  • Do I need roadside assistance coverage?
  • Are all vehicle passengers covered by medical payments coverage?
  • Is upholstery damage covered by car insurance?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Do I need higher collision deductibles?
  • Am I covered if my car is in a flood?
  • What are the best liability limits?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, complete this form or you can also visit this page to select a carrier

Auto insurance coverage options for a 1995 Chevy Suburban

Understanding the coverages of auto insurance can help you determine the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by auto insurance companies.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as crashing into a building, damaging your car on a curb and hitting a mailbox. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible to save money on collision insurance.

Comprehensive (Other than Collision)

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things like damage from getting keyed, a tree branch falling on your vehicle and hitting a bird. 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.

Liability insurance

This can cover damage or injury you incur to other people or property by causing an accident. This coverage protects you against other people’s claims. Liability doesn’t cover 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. As an example, you may have liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like structural damage, attorney fees and bail bonds. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage provides protection from other drivers when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants as well as damage to your Chevy Suburban.

Since a lot of 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.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like dental work, pain medications, rehabilitation expenses and EMT expenses. They can be used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and may carry a deductible

What is YOUR best insurance company?

As you prepare to switch companies, make sure you don’t skimp on coverage in order to save money. In too many instances, someone sacrificed liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your aim should be to buy the best coverage you can find for the lowest price.

Lower-priced 1995 Chevy Suburban insurance is attainable both online and with local insurance agents, and you need to price shop both in order to have the best price selection to choose from. Some insurance providers do not offer online price quotes and usually these small, regional companies provide coverage only through local independent agents.

We’ve covered a lot of ways to reduce insurance prices online. It’s most important to understand that the more rate quotes you have, the higher the chance of saving money. Consumers may even find the lowest premiums are with a company that doesn’t do a lot of advertising. They may only write in your state and offer lower rates as compared to the big name companies such as Progressive and Geico.

Much more information about insurance coverage can be read at the links below