Save on 1996 Chevrolet Suburban Car Insurance Rates

Are you a victim of an underperforming, overpriced insurance policy? Trust us, you’re not alone. There are many insurers to insure vehicles with, and although it’s nice to be able to choose, it can be more challenging to find a good deal.

You should make it a habit to do rate comparisons before your policy renews because insurance rates change regularly. Despite the fact that you may have had the lowest rates on Suburban coverage on your last policy you can probably find a lower rate today. Forget all the misinformation about insurance because we’re going to demonstrate the proper way to lower your rates without sacrificing coverage.

Choosing the best insurance company for you is not that difficult. If you have car insurance now, you will be able to save some money using this strategy. Drivers only need an understanding of the proper way to shop for insurance online.

How to reduce Chevy Suburban insurance rates

Companies offering auto insurance don’t always list every available discount in an easy-to-find place, so we researched both the well known and the more hidden ways to save on auto insurance. If they aren’t giving you every credit possible, you’re just leaving money on the table.

  • 55 and Retired – If you’re over the age of 55, you may qualify for a small decrease in premiums on Suburban coverage.
  • Federal Government Employee – Simply working for the federal government could cut as much as 10% off on Suburban coverage with a few auto insurance companies.
  • Anti-lock Brake System – Vehicles equipped with ABS or steering control prevent accidents and qualify for as much as a 10% discount.
  • Use Seat Belts – Buckling up and requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
  • Student Driver Training – Require your teen driver to enroll in driver’s education in high school.
  • Air Bag Discount – Vehicles equipped with air bags can get savings of more than 20%.
  • Discounts for Safe Drivers – Drivers who avoid accidents may receive a discount up to 45% less on Suburban coverage than their less cautious counterparts.
  • Multiple Policy Discount – If you insure your home and vehicles with the same company you may save at least 10% off all policies.
  • Discount for Swiching Early – Select companies give a discount for signing up prior to your current policy expiration. The savings is around 10%.
  • Pay Now and Pay Less – By paying your policy upfront rather than paying monthly you may reduce your total bill.

Keep in mind that most discounts do not apply to the overall cost of the policy. Some only apply to individual premiums such as liability, collision or medical payments. So when it seems like it’s possible to get free car insurance, you won’t be that lucky.

To see a list of providers offering auto insurance discounts, click this link.

Comprehensive Insurance Comparison

There are a variety of methods to shop for 1996 Chevy Suburban insurance, but there is one way that is less time-consuming than others. You could spend the better part of a day talking to agents in your area, or you could use online quotes to get pricing more quickly.

All the larger companies take part in a program where prospective buyers enter their policy data once, and every company then gives them pricing. This eliminates the need for quote forms to every company.

To compare 1996 Chevy Suburban rates now click here (opens in new window).

The one disadvantage to comparing rates this way is that you can’t choose the providers to receive prices from. If you wish to select specific insurance companies to compare rates, we have a listing of low cost insurance companies in your area. Click here for list of insurance companies.

It’s your choice how you get your quotes, but ensure you’re using the exact same coverages for each comparison quote. If you have different deductibles it will be very difficult to make an equal comparison.

These factors can influence what you pay for Chevy Suburban insurance

An important part of buying insurance is that you know the rating factors that go into determining your insurance rates. When you know what positively or negatively influences your rates allows you to make educated decisions that can help you get lower insurance prices.

Listed below are a few of the “ingredients” companies use to determine your rates.

  • Better credit scores mean better rates – Your credit history is a large factor in determining what you pay for insurance. If your credit history is not that good, you could potentially save money when insuring your 1996 Chevrolet Suburban by improving your credit score. People with excellent credit tend to be more responsible as compared to drivers with lower credit scores.
  • Allowing your policy to lapse raises rates – Driving without insurance is a misdemeanor and you will pay a penalty because you let your coverage lapse. And not only will your rates increase, but not being able to provide proof of insurance will get you a steep fine or even jail time.You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • Your insurance rates can be influenced by your job – Did you know your occupation can influence how much you pay for insurance? Occupations such as doctors, business owners and accountants tend to have higher rates than average because of stressful work requirements and long work days. On the flip side, occupations like scientists, athletes and homemakers receive lower rates on Suburban coverage.
  • Traffic citations inflate rates – Your driving citation history has a huge affect on how much you pay. Just one speeding ticket can boost insurance rates by twenty percent. Careful drivers tend to pay less for car insurance than their less careful counterparts. Drivers who have dangerous citations such as reckless driving, hit and run or driving under the influence may need to submit a SR-22 or proof of financial responsibility with the DMV in their state in order to prevent a license revocation.
  • Discounts for married couples – Getting married helps lower the price on your insurance policy. Marriage usually means you are more mature and it’s statistically proven that married drivers get in fewer accidents.

Tailor your coverage to you

When choosing the right insurance coverage for your vehicles, there isn’t really a perfect coverage plan. Coverage needs to be tailored to your specific needs and a cookie cutter policy won’t apply. These are some specific questions can aid in determining whether you might need an agent’s assistance.

  • How many claims can I have before being cancelled?
  • When should my teen driver be added to my policy?
  • Is other people’s property covered if stolen from my vehicle?
  • Does my policy cover me when driving someone else’s vehicle?
  • How can I get high-risk coverage after a DUI?
  • Which is better, split liability limits or combined limits?
  • What discounts do I qualify for?
  • What can I do if my company denied a claim?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, free and may give you better protection.

Do you really save 40% when you switch?

Consumers can’t ignore all the ads for car insurance savings by companies like Progressive, Allstate and GEICO. They all make an identical promise that you can save after switching to them.

How can each company claim to save you money?

Insurance companies have a preferred profile for the right customer that makes them money. A good example of a driver they prefer could be between the ages of 30 and 50, has no tickets, and has great credit. A propective insured that hits that “sweet spot” is entitled to the best price and therefore will cut their rates substantially.

Drivers who do not match this ideal profile will be charged higher premiums which leads to business going elsewhere. The ads say “drivers who switch” but not “drivers who get quotes” save money. That’s the way insurance companies can advertise the savings. That is why drivers should get quotes from several different companies. Because you never know which company will provide you with the cheapest Chevy Suburban insurance rates.

Detailed coverages of your insurance policy

Learning about specific coverages of a insurance policy can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be ambiguous and coverage can change by endorsement. Listed below are the usual coverages found on most insurance policies.

Collision protection

This coverage will pay to fix damage to your Suburban from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims like hitting a parking meter, crashing into a ditch, colliding with a tree, scraping a guard rail and driving through your garage door. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible in order to get cheaper collision rates.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for things like funeral costs, pain medications and chiropractic care. They can be used in conjunction with a health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive coverage

This pays for damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as hitting a deer, vandalism, damage from flooding and a tree branch falling on your vehicle. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.


This coverage provides protection from damage or injury you incur to other’s property or people in an accident. This coverage protects you from legal claims by others. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for claims like medical services, attorney fees, medical expenses, funeral expenses and bail bonds. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Uninsured/Underinsured Motorist coverage

This protects you and your vehicle’s occupants when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 1996 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 should not be overlooked.

Get your money’s worth

As you go through the steps to switch your coverage, you should never sacrifice coverage to reduce premiums. In too many instances, consumers will sacrifice uninsured motorist or liability limits only to discover later that the few dollars in savings costed them thousands. The aim is to find the BEST coverage at an affordable rate.

Affordable 1996 Chevy Suburban insurance can be sourced both online and also from your neighborhood agents, so you should compare both to have the best selection. Some companies may not provide online quoting and most of the time these small, regional companies sell through independent agents.

We’ve covered quite a bit of information on how to compare insurance prices online. The most important thing to understand is the more you quote, the higher your chance of finding lower rates. Consumers could even find that the lowest premiums are with a lesser-known regional company. They can often provide lower rates in certain areas compared to the large companies like GEICO and State Farm.

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