How Much Does 1991 Chevrolet Suburban Car Insurance Cost?

Looking for lower auto insurance rates for your Chevrolet Suburban? If you’re trying to find more affordable insurance on the web, are you confused by the number of auto insurance choices in your area? Many other drivers are as well. Vehicle owners have so many options that it can easily turn into a chore to compare auto insurance rates.

It is always a good idea to compare rates at least once a year since insurance prices are usually higher with each renewal. Just because you found the best deal for Suburban insurance six months ago the chances are good that you can find a lower premium rate today. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to one of the quickest ways to properly buy coverages while reducing your premium.

Decisions you make can impact your insurance prices

Smart consumers have a good feel for some of the things that go into determining the level of your policy premiums. When you know what positively or negatively influences your rates, this enables informed choices that will entitle you to much lower annual insurance costs. Multiple criteria are considered when you get a price on insurance. Some factors are common sense such as your driving history, although others are more obscure like your continuous coverage or your vehicle rating.

The following are a few of the things used by insurance companies to determine prices.

  • Increase deductibles and save – Physical damage deductibles define how much you are required to spend out-of-pocket before your auto insurance pays a claim. Physical damage protection, also known as collision and other-than-collision, protects your car from damage. Some instances where coverage would apply are a windshield broken by a bird, damage from fire, and damage caused by road hazards. The more money the insured is willing to pay, the lower your rates will be for Suburban insurance.
  • Is you occupation costing you more? – Do you have a high-stress occupation? Occupational choices like fire fightersair traffic controllers and stock brokers are shown to have higher average rates in part from stressful work requirements and incredibly demanding work hours. On the other hand, jobs like farmers, athletes and homemakers pay the least for Suburban insurance.
  • Eliminate unneeded incidental coverages – There are many extra add-on coverages that may not really be needed if you aren’t careful. Things like rental car coverage, high-cost glass coverage, and Farm Bureau memberships are examples of these. They may seem good initially, but if you’ve never needed them in the past eliminate them to save money.
  • Discounts for GPS tracking and theft deterrents – Choosing a vehicle with advanced anti-theft systems can save you some money. Anti-theft devices such as GM’s OnStar, tamper alarm systems and vehicle immobilizers help track and prevent auto theft and help lower rates.
  • Avoid coverage lapses – Driving any period of time without insurance is against the law and any future policy may cost more because you let your coverage cancel without a new policy in place. In addition to paying higher rates, the inability to provide proof of insurance might get you a revoked license or a big fine. You may then have to file a SR-22 with your state DMV.
  • How much liability – A critical coverage on your policy, liability insurance provides coverage when you are found to be at fault for an accident. It provides for a legal defense up to the limits shown on your policy. Liability insurance is pretty cheap compared to physical damage coverage, so do not skimp.
  • Youthful drivers cost more – Mature drivers are viewed as being more responsible, cause fewer claims and accidents .Beginning drivers are statistically proven to be easily distracted when behind the wheel so auto insurance rates are higher.
  • Pleasure use saves money – Driving a lot of miles each year the more it will cost to insure it. Most insurance companies rate vehicles partially by how you use the vehicle. Cars and trucks that are left in the garage can get a lower rate than those that get driven frequently. Verify your auto insurance policy is rated on the correct driver usage. An improperly rated Suburban is throwing money out the window.

Low cost auto insurance prices

The are a couple different ways of comparing rate quotes from different companies. The best way to find competitive 1991 Chevy Suburban insurance rates consists of obtaining rate quotes online. This can be done in a couple minutes as outlined below.

  • The easiest and least time consuming way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This form saves time by eliminating separate quotation requests for every auto insurance company. Filling out one form compares rates from multiple low-cost companies. This is perfect if you don’t have a lot of time.
  • A slightly less efficient method to obtain and compare quotes online is going to each individual company website and fill out a new quote form. For instance, let’s say you want to view quotes from State Farm, Esurance and Liberty Mutual. To do that, you would have to go to each individual site and punch in your information repeatedly, and that’s why the first method is more popular. For a list of companies in your area, click here.
  • The most time-consuming method to compare price quotes is physically going to insurance agents’ offices. Shopping for auto insurance online has reduced the need for local agents unless you’re the type of person who wants the trained advice of a local agent. You can, however, price shop online but buy from a local insurance agent.

Take whichever approach you prefer, but ensure you are comparing the exact same coverages and limits for each comparison quote. If you enter differing limits you will not be able to determine the lowest rate for your Chevy Suburban. Just slight variations in insurance coverages or limits could mean much higher rates. Keep in mind that getting more free quotes helps locate more affordable rates.

Use discounts on insurance

The cost of insuring your cars can be expensive, but you may find discounts that may help make it more affordable. A few discounts will be applied when you get a quote, but a few need to be asked about prior to getting the savings.

  • Military Deployment Discount – Having a family member in the military can result in better premium rates.
  • Discounts for Government Workers – Having worked for a branch of the government could qualify for a slight premium decrease for Suburban insurance with some insurance companies.
  • Discount for Multiple Policies – If you insure your home and vehicles and insure them both with the same insurance company they may give you a discount of 10% to 20% off each policy.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase life insurance.
  • No Charge for an Accident – Not really a discount, but some insurance companies permit an accident without getting socked with a rate hike if your claims history is clear prior to the accident.
  • Professional Memberships – Participating in a qualifying organization could qualify you for a break on your next renewal.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or automatic seat belts may earn rate discounts of more than 20%.
  • Senior Citizens – Seniors may receive a slight reduction on a auto insurance quote for Suburban insurance.

Don’t be shocked that most discount credits are not given to the entire cost. Most cut specific coverage prices like medical payments or collision. So when the math indicates having all the discounts means you get insurance for free, company stockholders wouldn’t be very happy.

Companies and a partial list of their discounts are detailed below.

  • Mercury Insurance includes discounts for age of vehicle, ease of repair, type of vehicle, good student, and low natural disaster claims.
  • Farmers Insurance may offer discounts for multi-car, electronic funds transfer, youthful driver, bundle discounts, pay in full, mature driver, and business and professional.
  • Farm Bureau offers discounts for renewal discount, driver training, 55 and retired, multi-policy, multi-vehicle, and safe driver.
  • State Farm has discounts for defensive driving training, driver’s education, multiple policy, multiple autos, safe vehicle, and Drive Safe & Save.
  • Allstate offers discounts including anti-theft, premier discount, good student, auto/life discount, and FullPay discount.
  • GEICO discounts include daytime running lights, emergency military deployment, air bags, driver training, and five-year accident-free.

When quoting, ask every insurance company to give you their best rates. All car insurance discounts might not be available to policyholders in your area. If you would like to choose from a list of insurers who offer discounts, click here.

Tailor your insurance coverage to you

When choosing adequate coverage for your personal vehicles, there really is not a cookie cutter policy. Each situation is unique.

For example, these questions may help you determine whether your personal situation might need an agent’s assistance.

  • Does medical payments coverage apply to all occupants?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Are my tools covered if they get stolen from my vehicle?
  • How can I get my company to pay me more for my totalled car?
  • Do I have coverage for damage caused while driving under the influence?
  • How much can I save by bundling my policies?
  • Does coverage extend to Mexico or Canada?

If you don’t know the answers to these questions then you might want to talk to a licensed agent. To find lower rates from a local agent, simply complete this short form.

Car insurance coverage specifics

Understanding the coverages of a car insurance policy can help you determine the best coverages and proper limits and deductibles. The terms used in a policy can be difficult to understand and even agents have difficulty translating policy wording.

UM/UIM Coverage – This provides protection when the “other guys” either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants as well as damage to your Chevy Suburban.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Normally the UM/UIM limits are set the same as your liablity limits.

Comprehensive or Other Than Collision – This coverage will pay to fix damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as damage from a tornado or hurricane, damage from getting keyed, hail damage, hitting a deer and rock chips in glass. The highest amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage – Collision coverage 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 such as colliding with a tree, crashing into a ditch and rolling your car. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

Medical costs insurance – Med pay and PIP coverage pay for expenses for ambulance fees, funeral costs, pain medications and chiropractic care. They are used in conjunction with a health insurance plan or if you are not covered by health insurance. Coverage applies to all vehicle occupants in addition to if you are hit as a while walking down the street. PIP coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Liability coverages – This provides protection from injuries or damage you cause to people or other 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.

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 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for things like bail bonds, repair costs for stationary objects, court costs, emergency aid and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but consider buying as large an amount as possible.

Find Good Coverage for Less

In this article, we presented a lot of tips how to compare 1991 Chevy Suburban insurance prices online. The key thing to remember is the more times you quote, the better your comparison will be. You may even discover the lowest priced auto insurance comes from an unexpected company.

Consumers switch companies for many reasons like policy cancellation, questionable increases in premium, an unsatisfactory settlement offer and even denial of a claim. Whatever your reason, finding a new auto insurance company is pretty easy and you might even save some money in the process.

Cheaper 1991 Chevy Suburban insurance is possible both online in addition to many insurance agents, and you should be comparing both to have the best rate selection. There are still a few companies who may not have rate quotes online and usually these small, regional companies provide coverage only through independent insurance agencies.

Other resources