How Much Does 1996 GMC Suburban Car Insurance Cost?

Drivers have options when trying to find affordable GMC Suburban insurance. You can either spend your time contacting agents trying to get quotes or leverage the internet to get rate quotes.

There is a better way to shop for auto insurance and you need to know the quickest way to quote coverages for a GMC and get the lowest possible price from local insurance agents and online providers.

The purpose of this post is to help educate you on how car insurance quotes work and some money-saving tips. If you are paying for car insurance now, you stand a good chance to be able to save some money using this information. Consumers only need to know the proper way to shop on the web.

Factors that might impact rates for a GMC Suburban

It’s important that you understand the different types of things that go into determining the price you pay for insurance. Having a good understanding of what impacts premium levels helps enable you to make changes that may reward you with much lower annual insurance costs.

Listed below are some of the factors that factor into rates.

  • Men fork out a little more – Statistics show women are more cautious behind the wheel. That doesn’t necessarily mean that women are better drivers. Women and men have accidents at about the same rate, but the males cause more damage. They also receive more costly citations such as DWI and reckless driving. Male drivers age 16 to 19 are the most expensive to insure and are penalized with high insurance rates.
  • Do you qualify for a multi-policy discount? – The majority of companies will give a discount to insureds who carry more than one policy such as combining an auto and homeowners policy. Discounts can add up to anywhere from five to ten percent in most cases. Even though this discount sounds good, you may still want to compare rates to ensure the best deal.
  • Don’t let your coverage lapse – Driving without insurance is illegal and you will pay a penalty because you let your insurance expire. Not only will you pay more, failure to provide proof of insurance can result in a steep fine or even jail time.You may then be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Don’t sacrifice liability coverage – The liability section of your policy provides coverage when a jury decides you are liable for damages caused by your negligence. It provides you with a defense in court which can cost thousands of dollars. Liability insurance is quite affordable compared to insuring for physical damage coverage, so do not skimp.
  • Your job and insurance rates – Did you know your insurance rates can be affected by your occupation? Occupations such as judges, social workers and stock brokers are shown to have the highest rates attributed to stressful work requirements and lengthy work days. On the other hand, occupations such as pilots, students and homemakers pay the least for Suburban coverage.
  • Frequent insurance claims increase rates – Insurance companies generally give discounts to insureds who do not file claims often. If you are a frequent claim filer, you can look forward to higher rates. Auto insurance is intended to be relied upon for the large, substantial claims.
  • Poor driving leads to higher costs – Your driving record has a huge affect on how much you pay. Even a single citation can increase rates by as much as thirty percent. Good drivers receive lower rates than bad drivers. Drivers who get serious violations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 with the DMV in their state in order to continue driving.
  • Extra coverages can waste money – There are a lot of extra bells and whistles that you can buy if you aren’t careful. Coverages like roadside assistance, towing coverage and membership fees are some examples. They may seem like a good idea when talking to your agent, but your needs may have changed so get rid of them and save.

Auto Insurance Prices Online

There are a variety of methods to compare 1996 GMC Suburban auto insurance prices but there is one way that is more efficient than others. You could spend the better part of a day talking to insurance agencies in your area, or you could save time and use online quotes to get rates in a matter of minutes.

Many companies enroll in a system where insurance shoppers submit one quote, and every company can provide price quotes for coverage. This eliminates the need for form submissions to every company.

To compare pricing click here to start a free quote.

The only drawback to getting quotes like this is you can’t choose which providers you want pricing from. If you prefer to choose specific insurance companies to compare, we have assembled a list of companies who write auto insurance in your area. View list of insurance companies.

However you get your quotes, compare exactly the same coverages and limits on every quote. If you have different liability limits it’s not possible to determine which rate is truly the best.

How much can you save with discounts?

Insurance can cost an arm and a leg, buy you may qualify for discounts that many people don’t even know exist. Some discounts apply automatically at the time of purchase, but less common discounts must be specially asked for before they will apply. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Sign Online – Certain companies will discount your bill up to fifty bucks for buying a policy and signing up digitally online.
  • Bundle and Save – When you combine your home and auto insurance with the same insurance company you will save approximately 10% to 15%.
  • New Car Discount – Insuring a new car can save up to 30% compared to insuring an older model.
  • Seat Belts Save – Using a seat belt and requiring all passengers to buckle their seat belts can save 10% or more on the medical payments or PIP coverage costs.
  • Homeowners Discount – Being a homeowner may earn you a small savings because owning a home requires personal responsibility.

Consumers should know that most of the big mark downs will not be given to the entire policy premium. Most only cut specific coverage prices like liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, you’re out of luck. Any amount of discount will reduce the amount you have to pay.

For a list of companies who offer insurance coverage discounts, click here to view.

How much car insurance do I need?

When choosing the best car insurance coverage, there is no one size fits all plan. Everyone’s situation is unique.

For instance, these questions can aid in determining if your insurance needs might need professional guidance.

  • Does medical payments coverage apply to all occupants?
  • Are my tools covered if they get stolen from my vehicle?
  • Can I afford low physical damage deductibles?
  • Do I need added coverage for expensive stereo equipment?
  • How can I get my company to pay me more for my totalled car?
  • Why does it cost so much to insure a teen driver?
  • How much can I save by bundling my policies?
  • Am I covered if I drive in a foreign country?
  • Do I pay less if my vehicle is kept in my garage?

If you’re not sure about those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It only takes a few minutes and you can get the answers you need.

Auto insurance policy specifics

Knowing the specifics of auto insurance aids in choosing the right coverages and proper limits and deductibles. The terms used in a policy can be confusing and coverage can change by endorsement.

Uninsured/Underinsured Motorist coverage

This coverage gives you protection when the “other guys” either are underinsured or have no liability coverage at all. It can pay for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Normally these coverages are identical to your policy’s liability coverage.


This coverage protects you from damage that occurs to a person or their property. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 that means you have $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability can pay for things like repair costs for stationary objects, legal defense fees and medical services. How much coverage you buy is up to you, but consider buying as much as you can afford.

Comprehensive coverage

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like vandalism, damage from a tornado or hurricane, hail damage and a broken windshield. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP reimburse you for expenses like hospital visits, EMT expenses, ambulance fees and chiropractic care. They are used to fill the gap from your health insurance program or if you lack health insurance entirely. They cover both the driver and occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Collision protection

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 have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as damaging your car on a curb, rolling your car, colliding with another moving vehicle and hitting a parking meter. This coverage can be expensive, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Coverage on a shoestring budget

You just read a lot of information how to save on 1996 GMC Suburban insurance. The key concept to understand is the more price quotes you have, the better your chances of lowering your rates. Consumers could even find that the best prices are with a small local company.

Cheaper insurance is available from both online companies as well as from independent agents, and you should be comparing both to get a complete price analysis. Some insurance companies don’t offer the ability to get a quote online and these small insurance companies work with independent agents.

When shopping online for car insurance, it’s not a good idea to reduce needed coverages to save money. In many cases, consumers will sacrifice full coverage only to regret at claim time that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage for the lowest price.

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