Lower Your 2008 Chevrolet Suburban Car Insurance Cost

Being forced to pay for pricey car insurance premiums can stress out your checking account and require stricter spending habits. Comparing cost estimates can be a smart way to ensure you are getting the best deal.

Numerous car insurance companies battle for your insurance dollar, so it’s not easy to compare every insurance company and get the definite cheapest price

If you currently have a car insurance policy, you should be able to cut costs considerably using these methods. Finding affordable coverage is not rocket science. But drivers must know how big insurance companies sell insurance online and use this information to your advantage.

These discounts can slash insurance rates

Some insurance providers don’t always list all available discounts very well, so below is a list both the well known in addition to some of the lesser obvious credits that may apply to you.

  • Low Mileage – Maintaining low annual mileage can qualify you for better premium rates on cars that stay parked.
  • Discount for Life Insurance – Insurance carriers who offer life insurance give a discounted rate on car insurance if you buy a life insurance policy as well.
  • E-sign – Some of the larger companies will give you a small discount shop car insurance digitally online.
  • No Accidents – Insureds who avoid accidents and claims are rewarded with significantly better rates on car insurance quote as compared to drivers with a long claim history.
  • Savings for New Vehicles – Adding a new car to your policy is cheaper since new vehicles are generally safer.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course in high school.

As a footnote on discounts, most discounts do not apply to the entire cost. Most only cut the price of certain insurance coverages like liability and collision coverage. Just because you may think you could get a free insurance policy, it’s just not the way it works.

Popular insurance companies and their offered discounts can be read below.

  • GEICO includes discounts for anti-lock brakes, daytime running lights, membership and employees, multi-policy, and defensive driver.
  • MetLife has discounts for defensive driver, multi-policy, good student, claim-free, good driver, and accident-free.
  • State Farm has savings for multiple policy, defensive driving training, Steer Clear safe driver discount, accident-free, and anti-theft.
  • Progressive policyholders can earn discounts including good student, online quote discount, online signing, multi-policy, and homeowner.
  • Mercury Insurance offers discounts for type of vehicle, age of vehicle, ease of repair, good student, location of vehicle, multi-car, and accident-free.
  • 21st Century offers premium reductions for student driver, theft prevention, 55 and older, air bags, and driver training.
  • Allstate offers discounts including FullPay discount, farm vehicle, premier plus, multi-policy, premier discount, and passive restraint.

If you are trying to find cheap car insurance quotes, ask all companies you are considering how many discounts you can get. Some discounts might not apply in your area. To see companies who offer discounts, follow this link.

When do I need an agent’s advice?

When it comes to buying proper insurance coverage for your personal vehicles, there is no one size fits all plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions might help in determining whether your personal situation would benefit from professional advice.

  • Does my policy cover my teen driver if they drive my company car?
  • Am I better off with higher deductibles on my 2008 Chevy Suburban?
  • When do I need to add a new car to my policy?
  • What is the ISO rating for a 2008 Chevy Suburban?
  • What is PIP insurance?
  • Who is covered by my policy?
  • When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an insurance agent. To find an agent in your area, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverage information

Knowing the specifics of a insurance policy can help you determine appropriate coverage and the correct deductibles and limits. Insurance terms can be confusing and coverage can change by endorsement. Shown next are the normal coverages available from insurance companies.

Liability coverage

This coverage protects you from damage or injury you incur to other people or property in an accident. This coverage protects you against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see limits of 50/100/50 that translate to a $50,000 limit per person for 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.

Liability insurance covers claims such as repair bills for other people’s vehicles, legal defense fees, funeral expenses and attorney fees. How much coverage you buy is a personal decision, but buy higher limits if possible.

Comprehensive protection

This pays to fix your vehicle from 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 can pay for claims like damage from getting keyed, fire damage, damage from flooding, vandalism and hail damage. The maximum amount your insurance company will pay is the actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Medical expense coverage

Med pay and PIP coverage pay for expenses for dental work, pain medications and ambulance fees. They are often utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your 2008 Chevy Suburban.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Collision insurance

Collision coverage will pay to fix damage to your Suburban resulting from colliding with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like sideswiping another vehicle, colliding with another moving vehicle, crashing into a building, hitting a parking meter and damaging your car on a curb. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to bring the cost down.

Take this to the bank

Throughout this article, we presented quite a bit of information on how to compare 2008 Chevy Suburban insurance prices online. It’s most important to understand that the more price quotes you have, the more likely it is that you will get a better rate. You may even discover the lowest prices are with some of the lesser-known companies. These smaller insurers can often insure niche markets at a lower cost than the large multi-state companies such as GEICO and State Farm.

A few companies may not offer online price quotes regional insurance providers only sell coverage through local independent agencies. Discount 2008 Chevy Suburban insurance is available online in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection.

More information is located at the links below