2004 Chevrolet Suburban Insurance Quotes – 10 Tricks for Cheaper Rates

Searching for cheaper car insurance rates for your Chevrolet Suburban? If you are new to getting insurance coverage quotes online, it’s easy to get confused because of the huge number of insurers offering coverage.

If you have car insurance now, you stand a good chance to be able to save some money using this information. Pricing cheaper protection is simple if you know the tricks. But consumers must learn the way companies compete online and use this information to your advantage.

Verify you’re getting every discount

Car insurance companies don’t always list every disount available in an easy-to-find place, so below is a list some of the best known as well as some of the hidden discounts that you may qualify for. If you aren’t receiving every discount available, you may be paying too high a price.

  • Discounts for New Vehicles – Insuring a new car can save you some money compared to insuring an older model.
  • Discount for Low Mileage – Low annual miles could earn substantially lower rates.
  • Accident Free – Insureds who avoid accidents and claims have much lower rates when compared to accident-prone drivers.
  • Multi-car Discount – Having multiple cars or trucks with the same insurance coverage company qualifies for this discount.
  • Telematics Data – Drivers that enable companies to look at vehicle usage through the use of a telematics system such as Progressive’s Snapshot could see a rate decrease if they exhibit good driving behavior.
  • Student in College – Children who live away from home at college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Discounts for Government Workers – Being employed by or retired from a federal job can earn a discount up to 10% for Suburban coverage depending on your insurance coverage provider.
  • Passive Restraint Discount – Factory air bags and/or automatic seat belt systems may qualify for discounts of more than 20%.
  • Membership in Organizations – Belonging to a civic or occupational organization may earn a discount on your bill.
  • Active Military Service – Having an actively deployed family member could mean lower prices.

Keep in mind that most of the big mark downs will not be given the the whole policy. A few only apply to specific coverage prices like comp or med pay. Just because you may think all those discounts means the company will pay you, you won’t be that lucky. Any amount of discount will definitely lower your overall premium however.

A few popular companies and a summarized list of policyholder discounts are detailed below.

  • Mercury Insurance may have discounts that include ease of repair, age of vehicle, good student, multi-car, and multi-policy.
  • Farmers Insurance has savings for business and professional, youthful driver, early shopping, homeowner, electronic funds transfer, bundle discounts, and mature driver.
  • Farm Bureau policyholders can earn discounts including multi-policy, multi-vehicle, 55 and retired, renewal discount, and youthful driver.
  • State Farm offers discounts for student away at school, driver’s education, good driver, multiple policy, good student, and accident-free.
  • Allstate may include discounts for 55 and retired, good student, farm vehicle, FullPay discount, and auto/life discount.
  • GEICO may offer discounts for daytime running lights, five-year accident-free, federal employee, anti-lock brakes, anti-theft, and driver training.

If you are trying to find the cheapest insurance coverage quotes, ask all the companies which credits you are entitled to. Some discounts may not be offered everywhere. If you would like to see a list of insurance companies that can offer you the previously mentioned discounts, click here.

The quickest method we recommend to compare insurance rates from multiple companies utilizes the fact most insurance companies allow for online access to quote your coverage. The only thing you need to do is provide a little information like how much school you completed, how much you drive, deductibles desired, and your general credit rating. Your rating data is instantly sent to multiple top-rated companies and you get price estimates with very little delay.

If you would like to compare rates now, click here and enter your zip code.

When should I discuss my situation with an agent?

When it comes to buying coverage for your vehicles, there isn’t really a cookie cutter policy. Every insured’s situation is different.

These are some specific questions might help in determining whether or not you might need professional guidance.

  • Should I rate my 2004 Chevy Suburban as pleasure use or commute?
  • How many claims can I have before being cancelled?
  • Should I buy more coverage than the required minimum liability coverage?
  • Is motorclub coverage worth it?
  • Is there coverage for injuries to my pets?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Am I insured when driving a different vehicle?
  • How can I force my company to pay a claim?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to a licensed agent. To find an agent in your area, take a second and complete this form.

What insurance coverages do you need?

Learning about specific coverages of your insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, a tree branch falling on your vehicle and hitting a bird. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Insurance for medical payments

Coverage for medical payments and/or PIP provide coverage for bills such as X-ray expenses, hospital visits, doctor visits and nursing services. They are often used in conjunction with a health insurance policy or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. PIP is not universally available and may carry a deductible

Coverage for liability

Liability insurance can cover damage that occurs to other people or property in an accident. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and $50,000 of coverage for damaged propery. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability can pay for claims like legal defense fees, pain and suffering, repair costs for stationary objects, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is up to you, but it’s cheap coverage so purchase higher limits if possible.

Auto collision coverage

Collision coverage covers damage to your Suburban resulting from colliding with another car or object. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things like sideswiping another vehicle, backing into a parked car, damaging your car on a curb and scraping a guard rail. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also choose a higher deductible in order to get cheaper collision rates.

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. Covered claims include hospital bills for your injuries as well as damage to your Chevy Suburban.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important. Usually these limits are similar to your liability insurance amounts.

In any little way, save everyday

When getting insurance coverage quotes online, you should never reduce coverage to reduce premium. There have been many situations where someone dropped liability coverage limits and learned later that the few dollars in savings costed them thousands. Your goal is to buy enough coverage at the best price, but do not skimp to save money.

We’ve covered a lot of ways to get a better price on 2004 Chevy Suburban insurance. The key concept to understand is the more providers you compare, the better your comparison will be. You may even discover the best premium rates are with some of the lesser-known companies.

Insureds who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, policy cancellation, denial of a claim and being labeled a high risk driver. No matter why you want to switch, finding a new insurance coverage company is less work than it seems.

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