Compare 2013 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 calling around to get rate comparisons or leverage the internet to compare rates.

There are more efficient ways to buy insurance so we’re going to tell you the proper way to quote coverages on a Chevy and get the cheapest rates from both online companies and local agents.

Smart buyers can slash their insurance premiums

Many things are considered when you get your auto insurance bill. Some are pretty understandable like a motor vehicle report, but some are less obvious such as your credit history or how safe your car is.Smart consumers have a good feel for some of the things that go into determining car insurance rates. When you understand what determines base rates, this helps enable you to make changes that can earn you lower premium levels.

The itemized list below are most of the major factors that factor into your rate level.

  • Vehicles with better crash test results are cheaper to insure – Safe vehicles cost less to insure. Safe vehicles have better occupant injury protection and reduced instances of injuries translates directly to fewer claims and thus lower rates.
  • Only buy coverage you need – There are many extra coverages you can purchase if you aren’t diligent. Coverages like rental car coverage, death and dismemberment, and Farm Bureau memberships are some examples. They may sound like good ideas when deciding what coverages you need, but now you might not need them so eliminate them to save money.
  • Never allow your car insurance policy to lapse – Having a gap between insurance policy dates is a quick way to drive up your policy premiums. Not only will you pay higher rates, being ticketed for driving with no insurance can result in fines or a revoked license.
  • Premiums are high for teenagers – Teen drivers are statistically shown to be less responsible in a vehicle therefore car insurance rates are much higher. Older, more experienced drivers are more responsible, tend to file fewer claims and receive fewer citations.
  • Costs can change based on your address – Living in areas with lower population has definite advantages when it comes to car insurance. City drivers have more traffic problems and higher rates of accident claims. Fewer drivers and short commutes means less chance of accidents as well as less vandalism and auto theft.

How to buy auto insurance online

There are a lot of ways to shop for auto insurance, but there is one way that is easier and takes less work. You can waste a few hours (or days) discussing policy coverages with insurance companies in your area, or you could save time and use online quotes to get prices fast.

All the larger companies participate in a marketplace that enables customers to send in one quote, and every company then gives them pricing determined by their information. This prevents consumers from doing quote requests for every auto insurance company.

To compare pricing click here to open in new window.

The single downside to pricing coverage this way is you are unable to specify which companies you will receive quotes from. If you prefer to choose from a list of companies to compare prices, we have a page of low cost auto insurance companies in your area. Click here to view list.

Which method you use is up to you, but double check that you are using nearly identical quote data for every company. If you use differing limits you can’t possibly make a fair comparison for your Chevy Suburban.

Insurance advertising gotchas

Consumers constantly see and hear ads that claim the best car insurance rates by Progressive, Allstate and GEICO. All the companies seem to make the promise that drivers can save some big amount if you move your insurance policy to them.

It sounds good, but how can they all offer drivers better rates? Here is how they do it.

Insurance companies have specific criteria for the type of customer that makes them money. One example of this type of risk profile could possibly be between the ages of 30 and 50, has no claims, and drives a vehicle with a low ISO rating. Anybody that matches those criteria will get the preferred prices and will also save a lot of money.

People who do not meet the ideal profile will probably have to pay a more expensive rate and this can result in the customer buying from a different company. If you listen to the ad wording, they say “people who switch” not “everyone who quotes” save that much money. This is how companies can truthfully lure you into getting a quote.

Because of the profiling, you need to compare many company’s premium rates. It is impossible to predict which insurance companies will be your best fit.

Pay discount rates with these discounts

The price of auto insurance can be rather high, but companies offer discounts that many people don’t even know exist. Most are applied when you get a quote, but some must be specially asked for before you will receive the discount.

  • Safety Course Discount – Successfully completing a driver safety course can save you 5% or more and make you a better driver.
  • Discount for Good Grades – Maintaining excellent grades can be rewarded with saving of up to 25%. This discount can apply up until you turn 25.
  • Low Mileage – Driving less may allow you to get discounted car insurancerates on garaged vehicles.
  • Early Switch Discount – Some insurance companies reward drivers for signing up early. It can save you around 10%.
  • Driving Data Discount – Insureds that choose to allow driving data collection to track their driving habits remotely such as State Farm’s In-Drive could possibly reduce rates as long as the data is positive.
  • Anti-lock Brake System – Cars, trucks, and SUVs with ABS braking systems or traction control are much safer to drive so you can save 10 percent or more.
  • 55 and Retired – Seniors can possibly qualify for reduced rates for Suburban insurance.
  • Passive Restraints – Options like air bags and/or automatic seat belt systems can get savings of more than 20%.
  • Driver Education Discount – Require your teen driver to take driver’s ed class if it’s offered in school.
  • Seat Belt Discounts – Drivers who always wear seat belts and also require passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.

Discounts reduce rates, but you should keep in mind that most credits do not apply the the whole policy. Some only apply to the cost of specific coverages such as medical payments or collision. So even though you would think having all the discounts means you get insurance for free, it’s just not the way it works.

The best car insurance companies and their possible discounts are shown below.

  • State Farm has discounts for safe vehicle, defensive driving training, driver’s education, passive restraint, and anti-theft.
  • GEICO may have discounts that include anti-lock brakes, good student, federal employee, military active duty, emergency military deployment, air bags, and five-year accident-free.
  • Liberty Mutual may include discounts for new vehicle discount, new graduate, newly retired, teen driver discount, hybrid vehicle, and exclusive group savings.
  • The Hartford offers discounts including anti-theft, bundle, defensive driver, good student, and vehicle fuel type.
  • MetLife offers discounts for defensive driver, multi-policy, claim-free, good driver, and accident-free.
  • Progressive offers premium reductions for homeowner, continuous coverage, online signing, online quote discount, good student, and multi-policy.

Before purchasing a policy, check with every prospective company which discounts they offer. All car insurance discounts may not be offered in your area.

Your situation helps dictate your coverage

When buying the best car insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs.

For example, these questions may help highlight if your insurance needs could use an agent’s help.

  • Do I need PIP coverage since I have good health insurance?
  • Should I rate my 2013 Chevy Suburban as pleasure use or commute?
  • When do I need to add a new car to my policy?
  • When does my teenage driver need to be added to my policy?
  • Why do I need rental car insurance?
  • Who is covered by my policy?
  • Is my nanny covered when driving my vehicle?
  • Where can I get insurance after a DUI in my state?
  • Can I afford to buy a different vehicle if my 2013 Chevy Suburban is totaled?
  • Is my 2013 Chevy Suburban covered for smoke damage?

If you’re not sure about those questions but a few of them apply, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and can provide invaluable advice.

Auto insurance coverages

Understanding the coverages of your policy helps when choosing appropriate coverage and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Collision coverage protection

Collision insurance pays for damage to your Suburban from colliding with an object or car. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for claims like sustaining damage from a pot hole, hitting a parking meter and backing into a parked car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Drivers also have the option to bump up the deductible to bring the cost down.

Uninsured or underinsured coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your 2013 Chevy Suburban.

Because many people only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Liability insurance

Liability coverage protects you from damages or injuries you inflict on people or other property. It protects YOU from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which limits claims to one amount rather than limiting it on a per person basis.

Liability coverage pays for things like legal defense fees, repair bills for other people’s vehicles and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses for things like prosthetic devices, funeral costs, dental work and EMT expenses. They can be utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and also covers getting struck while a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Comprehensive protection

This coverage covers damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as fire damage, hitting a bird, falling objects, damage from getting keyed and hitting a deer. The maximum payout you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

More choices the merrier

As you quote auto insurance, it’s not a good idea to buy lower coverage limits just to save a few bucks. Too many times, an insured cut uninsured motorist or liability limits only to find out they didn’t have enough coverage. Your focus should be to find the BEST coverage at the best price, not the least amount of coverage.

More affordable insurance is available on the web and from local insurance agents, so you should compare both to get a complete price analysis. Some companies may not have price quotes online and many times these smaller companies provide coverage only through independent agents.

Consumers switch companies for many reasons like being labeled a high risk driver, policy cancellation, extreme rates for teen drivers or even not issuing a premium refund. Regardless of your reason for switching companies, finding a great new company is actually quite simple.

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