1993 GMC Suburban Insurance Quotes – 9 Tricks for Cheaper Rates

Looking for cheaper auto insurance rates for your GMC Suburban? If you’re new to shopping for insurance quotes online, you may be overwhelmed by the diversity of insurance providers that all promise the best rates.

You should make it a habit to check auto insurance prices occasionally because auto insurance prices change frequently. If you had the lowest quotes on Suburban coverage six months ago you will most likely find a better rate today. You can find a lot of wrong information about auto insurance on the web, but we’re going to give you some excellent ideas to find cheap auto insurance.

Discount insurance coverage rates

Insurance coverage is easily one of your largest bills, but companies offer discounts to help bring down the price. Many of these discounts will be applied automatically at the time you complete a quote, but some may not be applied and must be requested specifically prior to getting the savings.

• Early Renewal Discounts – A few larger companies offer discounts for buying a policy prior to your current policy expiring. It could save around 10% when you buy insurance online.
• Government Employee Discount – Active or retired federal employment could cut as much as 10% off on Suburban coverage but check with your company.
• Low Mileage Discounts – Keeping the miles down on your GMC could earn cheaper premium rates.
• Senior Citizens – Drivers that qualify as senior citizens are able to get a discount up to 10% on Suburban coverage.
• Full Payment Discount – If paying your policy premium upfront rather than spreading payments over time you could save 5% or more.
• First Accident Forgiveness – but a few companies such as Libery Mutual, Geico and Allstate will forgive one accident before hitting you with a surcharge if you are claim-free before the accident.
• Discounts for Responsible Drivers – Drivers who don’t get into accidents can save as much as half off their rates on Suburban coverage than drivers with accident claims.
• Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to buckle their seat belts can save up to 10 percent (depending on the company) off the personal injury premium cost.
• Passenger Safety Discount – Vehicles equipped with air bags can receive discounts as much as 30%.

A little disclaimer on discounts, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like liability, collision or medical payments. So when it seems like all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

To see insurers that provide some of the discounts listed above, click here to view.

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Tailor your auto insurance coverage to you

When choosing coverage for your vehicles, there is no cookie cutter policy. Everyone’s situation is unique.

These are some specific questions can aid in determining if you would benefit from professional advice.

• Can I afford to buy a different vehicle if my 1993 GMC Suburban is totaled?
• Is my business laptop covered if it gets stolen from my vehicle?
• Does my liability insurance cover pulling a trailer or camper?
• Is my trailer covered?
• Am I covered by my spouse’s policy after a separation?
• Is there coverage for injuries to my pets?
• Am I getting all the discounts available?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, take a second and complete this form.

Specific coverages for a 1993 GMC Suburban

Having a good grasp of your car insurance policy can help you determine the best coverages and proper limits and deductibles. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording.

Liability insurance

This can cover injuries or damage you cause to other’s property or people in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have liability limits of 25/50/25 which means $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability coverage pays for claims such as emergency aid, structural damage, court costs, pain and suffering and loss of income. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Protection from uninsured/underinsured drivers

This coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your 1993 GMC Suburban.

Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Auto collision coverage

This covers damage to your Suburban resulting from a collision with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things like crashing into a ditch, sustaining damage from a pot hole and colliding with a tree. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to increase the deductible to bring the cost down.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for expenses such as dental work, surgery, prosthetic devices, hospital visits and X-ray expenses. They are often used to fill the gap from your health insurance policy or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This covers damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like hail damage, damage from flooding, falling objects, damage from a tornado or hurricane and theft. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

What is YOUR best insurance company?

People who switch companies do it for a number of reasons such as delays in responding to claim requests, lack of trust in their agent, poor customer service and even not issuing a premium refund. No matter why you want to switch, finding the right insurance coverage provider is pretty easy and you might even save some money in the process.

More affordable insurance coverage is available online and from local agencies, and you should compare rates from both to have the best chance of lowering rates. There are still a few companies who don’t offer the ability to get quotes online and usually these small insurance companies work with independent insurance agencies.

As you go through the steps to switch your coverage, you should never buy poor coverage just to save money. In too many instances, an insured cut liability limits or collision coverage and discovered at claim time that the savings was not a smart move. Your aim should be to purchase a proper amount of coverage at the lowest possible cost.

Other resources

• Keeping Children Safe in Crashes Video (iihs.org)
• Neck Injury FAQ (iihs.org)
• What does Personal Injury Protection (PIP) Cover? (Allstate)
• Comprehensive Coverage (Liberty Mutual)
• Understanding your Policy (NAIC.org)
• Coverage Information (Progressive Insurance)

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