How Much Does 1998 Chevrolet Suburban Insurance Cost?

Trying to find cheaper insurance rates? Buyers have options when searching for the lowest priced Chevy Suburban insurance. You can either waste hours struggling with agents getting price quotes or leverage the internet to make rate comparisons. There are more efficient ways to shop for insurance so we’re going to tell you the best way to quote coverages for a new or used Chevy and get the cheapest rates from both online companies and local agents.

It’s a good idea to price shop coverage on a regular basis since prices go up and down regularly. Just because you had the best rates for Suburban coverage six months ago you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because you’re about to learn the only way to find lower rates on insurance.

The cheapest car insurance

Finding low cost 1998 Chevy Suburban car insurance prices is a fairly straight forward process. Just spend a few minutes comparing rate quotes to discover which company has the cheapest car insurance quotes. This can be done by following the guidelines below.

  1. The single most time-saving way to get quotes for comparison is a comparison rater form (click to open form in new window). This method keeps you from doing repetitive form submissions for each company you want a rate for. Completing one form gets insurance cost estimates from multiple low-cost companies. It’s definitely the quickest method.
  2. A less efficient way to compare prices consists of going to the website for each individual company to complete a price quote. For sake of this example, let’s say you want to view quotes from Allstate, 21st Century and Progressive. In order to compare rates, you need to go to each individual site to enter your coverage information, and that explains why we recommend the first method.

    To view a list of companies in your area, click here.

However you get your quotes, ensure you’re using equivalent information on every price quote you get. If you use different liability limits it will be impossible to make a fair rate comparison.

Tailor your auto insurance coverage to you

When choosing the best auto insurance coverage, there is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

For instance, these questions might help in determining whether or not you could use an agent’s help.

  • Should I have combined single limit or split liability limits?
  • When can I cancel my policy?
  • Do I have newly-aquired coverage?
  • Is my state a no-fault state?
  • What should my uninsured motorist coverage limits be in my state?
  • What if I don’t agree with a claim settlement offer?
  • When should I buy a commercial auto policy?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and can help protect your family.

Learn about auto insurance coverages for a Chevy Suburban

Having a good grasp of your policy helps when choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be confusing and coverage can change by endorsement.

Protection from uninsured/underinsured drivers

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for medical payments for you and your occupants and damage to your Chevy Suburban.

Due to the fact that many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is a good idea.

Auto liability

This protects you from damage or injury you incur to people or other property that is your fault. It protects you against other people’s claims, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and property damage coverage for $100,000.

Liability coverage pays for claims such as repair bills for other people’s vehicles, legal defense fees and attorney fees. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as large an amount as possible.

Auto collision coverage

This coverage pays for damage to your Suburban from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers things such as colliding with a tree, rolling your car, hitting a parking meter, hitting a mailbox and crashing into a building. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also raise the deductible in order to get cheaper collision rates.

Medical expense insurance

Personal Injury Protection (PIP) and medical payments coverage provide coverage for expenses like rehabilitation expenses, X-ray expenses, dental work and EMT expenses. They are often used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

This will pay to fix damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive can pay for things like theft, a broken windshield, hitting a deer, rock chips in glass and hitting a bird. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.