2012 Chevrolet Suburban Car Insurance Quotes – 7 Savings Tips

When searching for lower-cost insurance, do you get frustrated by the wide range of insurance providers in your area? Many other people are as well. Drivers have so many choices that it can turn into a challenge to compare premium rates.

It’s a great practice to get comparison quotes as often as possible because insurance prices go up and down regularly. Even if you got the best rates on Suburban insurance a couple years back there is a good chance you can find better rate quotes now. Forget anything you know (or think you know) about insurance because you’re about to learn one of the easiest ways to find great coverage at a great price.

If you currently have a car insurance policy, you will most likely be able to save some money using these tips. Buying more affordable auto insurance coverage is easy if you know what you’re doing. But drivers do need to understand how insurance companies compete online.

How to get insurance coverage rate quotes

All major insurance coverage companies such as State Farm and Allstate allow consumers to get insurance quotes on their websites. Getting quotes is quite easy as all you need to do is type in the coverages you want into the quote form. After you submit the form the system makes automated requests for your credit score and driving record and gives you a price quote based on the data you entered.

This streamlines rate comparisons, but the time required to go to different websites and type in your information can get tiresome after awhile. But it’s necessary to compare as many rates as possible in order to get a lower rate.

Quote rates the easy way

A better way to find cheaper rates utilizes a single form to get prices from several different companies. The form is fast, helps eliminate reptitive entry, and makes rate comparisons a little more enjoyable. Immediately after submitting the form, your coverage is rated and you are able to buy your choice of the pricing results. If the quotes result in lower rates, it’s easy to complete the application and buy the new coverage. The entire process can be completed in less than 10 minutes and you will find out if you’re overpaying now.

In order to get comparison pricing now, click here and begin entering your coverage information. If you have a policy now, it’s recommended you type in exactly as shown on your declarations page. This ensures you will be getting a price comparison based on the exact same insurance coverage.

Insurance Coverage Discounts

Insurance coverage is neither fun to buy or cheap, but there could be significant discounts that may help make it more affordable. Certain reductions will be credited at the time you complete a quote, but some may not be applied and must be asked about prior to getting the savings.

  • Telematics Data Discounts – Policyholders that allow data collection to study where and when they drive remotely such as Progressive’s Snapshot may see discounts if they show good driving skills.
  • Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them successfully complete driver’s ed class if it’s offered in school.
  • Accident-Free Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on insurance coverage quote compared to policyholders that have many claims.
  • Anti-lock Brakes – Cars and trucks with ABS and/or traction control can stop better under adverse conditions and will save you 10% or more.
  • Pay Early and Save – If you can afford to pay the entire bill rather than paying monthly you can avoid the installment charge.
  • Safety Restraint Discount – Drivers who always wear seat belts and also require passengers to wear their seat belts could save 15% off the personal injury premium cost.
  • Professional Memberships – Participating in certain professional organizations may earn a discount on your policy.

As a sidenote, most discounts do not apply to your bottom line cost. Most only cut specific coverage prices like medical payments or collision. Even though the math looks like all those discounts means the company will pay you, company stockholders wouldn’t be very happy.

To see a list of companies who offer discounts, click here.

Tailor your car insurance coverage to you

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

For instance, these questions may help you determine if your situation would benefit from professional advice.

  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Can I make deliveries for my home business?
  • How high should my medical payments coverage be?
  • Does liability extend to a camper or trailer?
  • How much liability do I need to cover my assets?
  • Do I really need UM/UIM coverage?
  • When would I need additional glass coverage?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed agent. To find an agent in your area, complete this form.

Slick advertising tricks that work

Respected companies like State Farm and Allstate seem to constantly run television, radio, and online ads. All the companies say the same thing about savings if you change your policy. How does each company charge you a lower premium? Here is how they do it.

Companies have an ideal profile for a prospective insured they prefer to insure. For example, this type of driver could possibly be a married male, owns a home, and drives less than 10,000 miles a year. Any new insured that hits that “sweet spot” gets the lowest car insurance rates and as a result will probably cut their rates if they switch.

Potential customers who may not quite match the requirements must pay higher prices which translates to the customer not buying. Company advertisements say “people that switch” not “everyone who quotes” save money. That’s the way companies can truthfully advertise the savings. That is why drivers must compare free insurance coverage quotes often. It’s impossible to know which insurance companies will have the lowest rates.

Auto insurance coverage breakdown

Knowing the specifics of your policy can be of help when determining the best coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Uninsured Motorist or Underinsured Motorist insurance

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as damage to your Chevy Suburban.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Collision protection

Collision insurance will pay to fix damage to your Suburban resulting from a collision with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as rolling your car, scraping a guard rail, colliding with a tree and hitting a mailbox. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Liability

Liability coverage provides protection from injuries or damage you cause to other’s property or people. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show limits of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for claims like court costs, funeral expenses, repair bills for other people’s vehicles, attorney fees and repair costs for stationary objects. How much coverage you buy is up to you, but you should buy as large an amount as possible.

Insurance for medical payments

Personal Injury Protection (PIP) and medical payments coverage pay for short-term medical expenses like ambulance fees, surgery and hospital visits. They are utilized in addition to your health insurance plan or if you are not covered by health insurance. It covers you and your occupants as well as if you are hit as a while walking down the street. PIP is only offered in select states and gives slightly broader coverage than med pay

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage 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 protects against claims such as damage from flooding, fire damage, vandalism, rock chips in glass and hitting a bird. The most a auto insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Don’t be a big spender

As you restructure your insurance plan, it’s a bad idea to buy poor coverage just to save money. There have been many situations where an accident victim reduced comprehensive coverage or liability limits and discovered at claim time that it was a big error on their part. Your goal is to find the BEST coverage for the lowest price, but don’t skip important coverages to save money.

In this article, we covered many ways to save on 2012 Chevy Suburban insurance. The key thing to remember is the more companies you get premium rates for, the higher your chance of finding inexpensive insurance coverage. You may be surprised to find that the lowest priced insurance coverage comes from the smaller companies.

Cheaper 2012 Chevy Suburban insurance can be purchased both online and from local insurance agents, so you need to shop insurance coverage with both to get a complete price analysis. Some insurance providers may not offer rate quotes online and usually these regional insurance providers only sell through independent insurance agents.

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