1991 Chevrolet Suburban Insurance Rates – 9 Tips to Save

Looking for lower insurance coverage rates for your Chevrolet Suburban? Confused by the sheer number of insurance coverage options? You’re not alone. There are so many companies to choose from that it can be a big hassle to locate the lowest price.

If you currently have car insurance, you will most likely be able to cut costs considerably using these techniques. Shopping for the cheapest car insurance can be fairly easy. But vehicle owners must know how big insurance companies price online insurance and take advantage of how the system works.

Companies offer discounts so take them!

Car insurance can cost a lot, but you can get discounts that many people don’t even know exist. Certain discounts will be applied when you get a quote, but some may not be applied and must be inquired about before they will apply.

  • Clubs and Organizations – Affiliation with a civic or occupational organization is a good way to get lower rates on your policy for Suburban coverage.
  • No Accidents – Drivers who don’t have accidents can save substantially compared to accident-prone drivers.
  • Drive Safe and Save – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Suburban coverage than drivers with accidents.
  • Paperless Signup – Some insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Braking Control Discount – Vehicles with anti-lock braking systems can reduce accidents and qualify for as much as a 10% discount.
  • Good Student Discount – A discount for being a good student can save 20 to 25%. The good student discount can last well after school through age 25.
  • Anti-theft Discount – Vehicles with anti-theft systems help deter theft and qualify for as much as a 10% discount.
  • Auto/Life Discount – Larger companies have lower rates if you buy auto and life insurance together.
  • Senior Citizens – If you’re over the age of 55, you may be able to get a discount up to 10% for Suburban coverage.

It’s important to understand that many deductions do not apply to the overall cost of the policy. Some only reduce individual premiums such as liability and collision coverage. So despite the fact that it appears all the discounts add up to a free policy, it doesn’t quite work that way. Any qualifying discounts will cut the cost of coverage.

To see a list of insurers offering car insurance discounts, click here to view.

Do I just need basic coverages?

When buying proper insurance coverage, there is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that may help highlight whether you may require specific advice.

  • What is UM/UIM insurance?
  • Are rental cars covered under my policy?
  • Why does it cost so much to insure a teen driver?
  • What is covered by UM/UIM coverage?
  • Does car insurance cover theft of personal property?
  • If my 1991 Chevy Suburban is totaled, can I afford another vehicle?
  • Do I have coverage when pulling a U-Haul trailer?
  • Where can I find high-risk insurance?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with an insurance agent. To find lower rates from a local agent, simply complete this short form.

Ads can be misleading

Auto insurance companies such as Allstate and Progressive regularly use ads in print and on television. They all seem to make an identical promise that you’ll save big if you move to them. How can each company claim to save you money? It’s all in the numbers.

All companies have a preferred profile for the right customer that makes them money. For example, a driver they prefer might be between the ages of 30 and 50, is a homeowner, and drives newer vehicles. Any driver who fits that profile will get very good rates and therefore will save quite a bit of money when switching.

Consumers who don’t measure up to this ideal profile will be charged more money and ends up with the driver buying from a lower-cost company. Company advertisements say “people who switch” not “everyone that quotes” save that much. That is how companies can truthfully advertise the way they do.

That is why you should get as many comparisons as possible. It’s just too difficult to predict which insurance companies will fit your personal profile best.

Specifics of your auto insurance policy

Learning about specific coverages of a auto insurance policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.

Due to the fact that many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.

Medical payments coverage and PIP

Med pay and PIP coverage pay for bills for dental work, chiropractic care, rehabilitation expenses, pain medications and X-ray expenses. The coverages can be used in conjunction with a health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like vandalism, a tree branch falling on your vehicle, damage from getting keyed and rock chips in glass. The maximum amount 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.

Coverage for collisions

Collision coverage will pay to fix damage to your Suburban resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as colliding with a tree, scraping a guard rail and driving through your garage door. Collision coverage makes up a good portion of your premium, so you might think about dropping it from older vehicles. You can also bump up the deductible to get cheaper collision coverage.

Liability car insurance

Liability coverage protects you from damage that occurs to other people or property by causing 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. You might see policy limits of 25/50/25 that means you have a $25,000 limit per person for injuries, $50,000 for the entire accident, and a limit of $25,000 paid for damaged property. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage protects against things like legal defense fees, pain and suffering and repair bills for other people’s vehicles. How much liability should you purchase? That is your choice, but buy higher limits if possible.

And the best car insurance company is…

As you restructure your insurance plan, it’s not a good idea to sacrifice coverage to reduce premiums. There have been many cases where drivers have reduced comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. The proper strategy is to get the best coverage possible for the lowest price, not the least amount of coverage.

In this article, we covered many tips how you can get a better price on 1991 Chevy Suburban insurance. The most important thing to understand is the more times you quote, the better your comparison will be. You may even discover the biggest savings come from a small local company.

Discount insurance is possible online and also from your neighborhood agents, and you need to comparison shop both to have the best rate selection. Some insurance companies may not provide online price quotes and many times these smaller companies only sell through independent insurance agents.

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