View 2002 Chevrolet Suburban Insurance Quotes

Trying to find the cheapest auto insurance rates for your Chevrolet Suburban? Searching for the cheapest insurance for your Chevy Suburban can turn out to be a lot of work, but you can learn these tips to save time.

There are both good and bad ways to compare auto insurance rates so we’re going to tell you the proper way to price shop coverage for a Chevy and find the best price possible either online or from local insurance agents.

Locating the best car insurance coverage is not that difficult. If you have a current car insurance policy or are looking for a new policy, you will benefit by learning to shop for the lowest rates and still get good coverage. Drivers only need an understanding of how to buy car insurance over the internet.

Get lower rates with discounts

Car insurance can cost a lot, but you might already qualify for some discounts that may help make it more affordable. A few discounts will be applied when you quote, but some discounts are required to be asked for before you will receive the discount.

  • Discount for New Cars – Buying a new car model can get you a discount compared to insuring an older model.
  • Distant Student Discount – Children who live away from home to go to college and do not take a car to college may qualify for this discount.
  • Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase auto and life insurance together.
  • Driver Safety – Taking part in a driver safety course may get you a small discount and make you a better driver.
  • Telematics Devices – Drivers who agree to allow their insurance coverage company to look at when and where they use their vehicle by using a telematics device in their vehicle such as State Farm’s In-Drive may get a rate reduction if they exhibit good driving behavior.
  • Claim Free – Drivers who stay claim-free have much lower rates in comparison with policyholders that have many claims.

It’s important to note that some credits don’t apply to the entire policy premium. Most only cut the price of certain insurance coverages like physical damage coverage or medical payments. So when it seems like you would end up receiving a 100% discount, you aren’t that lucky.

If you would like to view companies who offer discounts, click here to view.

Finding insurance coverage

Effectively comparing insurance coverage prices can take time and effort if you don’t utilize the most efficient way. You can spend countless hours talking about coverages with insurance agencies in your area, or you can stay home and use online quotes to get pricing more quickly.

Most major companies take part in a program that enables customers to submit their information once, and every company can give them a price based on the submitted data. This system prevents you from having to do quote forms for each company. To enter your information into the quoting system, click here to open in new window.

The only drawback to getting quotes like this is you are unable to specify which providers you will receive quotes from. So if you want to select from a list of companies to compare rates, we put together a list of insurance coverage companies in your area. Click to view list.

It’s your choice how you get your quotes, but be sure to compare the exact same deductibles and coverage limits on every quote you get. If each company quotes different liability limits you will not be able to make an equal comparison.

Seven things that determine your insurance premiums

Lots of things are used in the calculation when you get a price on insurance. Some are obvious like your driving record, but some are more transparent like your vehicle usage or how financially stable you are.

The following are some of the most rate-impacting factors auto insurance companies consider when setting your rates.

  • Discounts for married couples – Walking down the aisle can get you a discount when shopping for auto insurance. Marriage may mean you are less irresponsible and it’s proven that married drivers tend to have fewer serious accidents.
  • Multiple policies with one company – Many auto insurance companies will award better rates to clients who consolidate policies with them. It’s known as a multi-policy discount. This can amount to ten or even fifteen percent. Even with this discount applied, you still need to compare other insurance prices to verify if the discount is saving money.
  • Low credit rating equals high costs – Your credit score will be a significant factor in your rate calculation. Therefore, if your credit leaves room for improvement, you could pay less to insure your 2002 Chevrolet Suburban by repairing your credit. People that have very high credit ratings tend to be better risks to insure than those with poor credit scores.
  • Optional features can affect auto insurance rates – Driving a car with a theft deterrent system can save you some money. Systems that thwart theives such as OnStar found on GM vehicles, advanced tracking like LoJack, and vehicle immobilization systems all aid in stopping vehicle theft.
  • Your address can influence price – Choosing to live in a rural area may provide you with better prices if you are looking for the lowest rates. Urban drivers have more aggressive driving styles and more time behind the wheel. Less people means less chance of accidents and also fewer theft and vandalism claims.
  • Low deductibles can be expensive – The deductibles you choose define the amount you are willing to pay if a covered claim is submitted. Insurance for physical damage to your car, also called comprehensive and collision insurance, is used to repair damage to your car. Some examples of claims that would be covered would be a windshield broken by a bird, hail damage, and damage caused by road hazards. The more damage repair cost you choose to pay out-of-pocket, the bigger discount you will receive on Suburban insurance.
  • Gender matters – Over time, data shows that women are safer drivers than men. It does not mean men are worse drivers. Both sexes cause accidents at about the same rate, but men tend to have more serious accidents. Men also get more serious tickets such as reckless driving. Young men ages 16 to 20 are the most expensive to insure and thus pay the highest rates.

What is the best insurance coverage coverage?

When buying the right insurance coverage for your vehicles, there isn’t really a cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions may help you determine if your situation could use an agent’s help.

  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Why am I required to get a high-risk car insurance policy?
  • Is pleasure use cheaper than using my 2002 Chevy Suburban to commute?
  • Should I drop comprehensive coverage on older vehicles?
  • Do I pay less if my vehicle is kept in my garage?
  • Are there companies who specialize in insuring high-risk drivers?
  • When should I buy a commercial auto policy?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Can my teen drive my company car?

If you don’t know the answers to these questions, you might consider talking to an agent. If you don’t have a local agent, fill out this quick form. It only takes a few minutes and can help protect your family.

Do car insurance companies bend the truth?

Consumers can’t avoid all the ads for the lowest price car insurance by Progressive, Allstate and GEICO. All the companies convey the message about how much you will save if you just switch your coverage.

How does every company make the same claim?

Many companies have specific criteria for the type of customer that will be a good risk. An example of a profitable insured could be between the ages of 30 and 50, has no claims, and drives a car with an anti-theft system. Someone who fits that profile will get low auto insurance rates and will most likely save when they switch companies.

Insureds who fall short of these stringent criteria will be charged higher prices and ends up with the customer not purchasing. If you pay attention, the ads say “drivers who switch” but not “everyone who gets a quote” save that much money. That’s why insurance companies can confidently lure you into getting a quote.

This really drives home the point why drivers should compare as many free auto insurance quotes as you can. It is just not possible to predict which company will have the lowest premium rates for your situation.

Car insurance 101

Knowing the specifics of your auto insurance policy can help you determine which coverages you need and proper limits and deductibles. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2002 Chevy Suburban.

Since a lot of drivers only carry the minimum required liability limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Collision coverage protection

This pays for damage to your Suburban caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a parking meter, damaging your car on a curb and sustaining damage from a pot hole. This coverage can be expensive, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to save money on collision insurance.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as damage from flooding, hitting a deer and fire damage. The most your auto insurance company will pay is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Auto liability

This can cover injuries or damage you cause to other’s property or people by causing an accident. This coverage protects you against claims from other people, and doesn’t cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 which means $25,000 bodily injury coverage, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Alternatively, you may have one limit called combined single limit (CSL) which limits claims to one amount and claims can be made without the split limit restrictions.

Liability coverage protects against claims like attorney fees, medical services, structural damage and legal defense fees. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage provide coverage for short-term medical expenses for funeral costs, dental work, X-ray expenses, chiropractic care and surgery. They are used in conjunction with a health insurance policy or if you do not have health coverage. It covers both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Never pay more for less

Consumers change insurance companies for many reasons like high prices, delays in paying claims, high rates after DUI convictions and even lack of trust in their agent. It doesn’t matter why you want to switch finding a great new company is actually quite simple.

As you shop your coverage around, don’t be tempted to skimp on critical coverages to save a buck or two. In too many instances, someone sacrificed collision coverage and learned later that it was a big error on their part. Your aim should be to purchase plenty of coverage at a price you can afford.

You just read quite a bit of information on how to get a better price on 2002 Chevy Suburban insurance. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Consumers may even find the lowest premium rates are with a small mutual company.

To learn more, feel free to browse the following helpful articles: