2017 Chevrolet Suburban Insurance Rates – 7 Ways to Save

Looking for cheaper car insurance rates for your Chevrolet Suburban? I really doubt anyone gets a kick out of paying for car insurance, especially when the price is too high. Consumers have many insurance companies to insure vehicles with, and even though it’s nice to have multiple companies, more options can take longer to find the lowest rates.

It is always a good idea to compare rates before your next renewal since rates are adjusted regularly by insurance companies. If you had the lowest rate for Suburban insurance a year ago you will most likely find a better price today. Forget anything you know (or think you know) about car insurance because you’re going to get a crash course in the proper way to find lower rates on car insurance.

The purpose of this article is to let you in on how car insurance quotes work and some tips to save money. If you currently have a car insurance policy, you should be able to cut costs considerably using these tips. Drivers only need to know the proper way to shop for auto insurance on the web.

First Step: Get free auto insurance quotes

There are a lot of ways to compare auto insurance quotes, but there is one way that is easier and takes less work. You can waste hours discussing policy coverages with insurance companies in your area, or you could use online quotes to get the quickest rates.

Most car insurance companies take part in a program that enables customers to only type in their quote data once, and every company provides a quote based on the submitted data. This saves time by eliminating quote requests to each individual auto insurance company.

To compare rates using this form now click here to open in new window.

The one disadvantage to getting quotes like this is that consumers can’t choose the companies you want pricing from. If you wish to select from a list of companies for rate comparison, we have assembled a list of companies who write auto insurance in your area. Click here to view list.

You can choose any of those ways to find more affodable coverage, but make darn sure you compare apples-to-apples coverage limits for each comparison quote. If each company quotes different liability limits it will be next to impossible to make a fair comparison for your Chevy Suburban.

Special considerations

When buying the best auto insurance coverage, there is no “perfect” insurance plan. Each situation is unique so this has to be addressed. For instance, these questions can aid in determining whether your personal situation might need an agent’s assistance.

  • Do I need PIP (personal injury protection) coverage in my state?
  • How do I file an SR-22 for a DUI in my state?
  • Should I carry comprehensive and collision coverage?
  • Am I covered when driving someone else’s vehicle?
  • Do I pay less for low miles?
  • When should I not file a claim?
  • What should my uninsured motorist coverage limits be in my state?

If you don’t know the answers to these questions, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Auto insurance coverage basics

Learning about specific coverages of your policy can be of help when determining the best coverages at the best deductibles and correct limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording. Below you’ll find typical coverage types found on the average auto insurance policy.

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

Comprehensive coverage protects against things such as rock chips in glass, hail damage, damage from flooding and a tree branch falling on your vehicle. The maximum amount your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage will pay to fix damage to your Suburban from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage protects against things like driving through your garage door, backing into a parked car, crashing into a ditch, colliding with another moving vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Chevy Suburban.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family. Normally these coverages do not exceed the liability coverage limits.

Coverage for liability – This provides protection from damages or injuries you inflict on people or other property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that means you have $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Occasionally you may see a combined limit that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things like court costs, legal defense fees, repair costs for stationary objects, repair bills for other people’s vehicles and medical services. How much liability should you purchase? That is a personal decision, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP – Medical payments and Personal Injury Protection insurance provide coverage for expenses for things like surgery, ambulance fees, prosthetic devices, chiropractic care and hospital visits. They are often utilized in addition to your health insurance policy or if there is no health insurance coverage. They cover both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not universally available and may carry a deductible