Cheap 1998 Chevrolet Suburban Car Insurance Quotes

Looking for better auto insurance rates for your Chevrolet Suburban? Finding better insurance prices for a Chevy Suburban could be a lot of work, but you can use these tips and make it easy. There is a better way to find auto insurance online and we’ll show you the best way to get price quotes for a Chevy and get the lowest possible price from local insurance agents and online providers.

Buying car insurance is not that difficult. If you have insurance now or are shopping for new coverage, you can learn to cut your premiums and possibly find even better coverage. Consumers only need an understanding of the proper way to compare prices over the internet.

The most recommended method to compare car insurance rates takes advantage of the fact auto insurance companies pay for the opportunity to compare rate quotes. To get started, all you need to do is provide information like how much you drive, if you require a SR-22, which vehicles you own, and how much coverage you want. That rating information is then sent to many different companies and you should receive rate quotes instantly to find the best rate.

To start a rate quote now, click here and find out if you can get cheaper insurance.

Policy discounts you shouldn’t miss

Car insurance companies don’t list all their discounts very well, so here is a list both well-publicized and the more hidden car insurance savings. If you don’t get every credit possible, you’re just leaving money on the table.

  • Claim Free – Claim-free drivers can earn big discounts when compared with drivers who are more careless.
  • Student Driver Training – Cut your cost by having your teen driver enroll in driver’s education if it’s offered in school.
  • No Charge for an Accident – A handful of insurance companies will allow you to have one accident before your rates go up if your claims history is clear for a certain period of time.
  • Multiple Cars – Buying insurance for all your vehicles on one policy could earn a price break for each car.
  • Air Bag Discount – Vehicles with factory air bags or automatic seat belts can receive discounts up to 30%.
  • Anti-lock Brake Discount – Vehicles equipped with ABS or steering control are safer to drive and qualify for as much as a 10% discount.
  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out life insurance from them.

Keep in mind that some of the credits will not apply to the entire cost. A few only apply to the cost of specific coverages such as comp or med pay. So even though they make it sound like you can get free auto insurance, companies wouldn’t make money that way.

Insurance companies that possibly offer some of the above discounts include:

Before buying, ask every prospective company how you can save money. Some discounts might not be offered in every state.

Factors that might impact rates for a Chevy Suburban

Consumers need to have an understanding of the different types of things that go into determining the rates you pay for car insurance. Knowing what controls the rates you pay allows you to make educated decisions that could result in better car insurance rates.

  • Where do you drive? – The more miles you rack up on your Chevy in a year’s time the higher your rates will be. The majority of insurers rate vehicles based on how the vehicle is used. Cars that are left in the garage receive lower rates as compared to vehicles used primarily for driving to work. If your policy improperly rates your Suburban may be costing you. Verify your car insurance policy is rated on how each vehicle is driven, because improper ratings can cost you money.
  • Lower deductibles cost more – Coverage for physical damage, also known as collision and other-than-collision, protects your Chevy from damage. Examples of covered claims are colliding with a building, damage caused by hail, or theft. The deductibles are the amount of money you are required to spend if you file a covered claim. The more money you’re willing to pay, the lower your rates will be for Suburban coverage.
  • Theft deterrents lower rates – Choosing a vehicle with an alarm system can save you a little every year. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can thwart auto theft.
  • Careful drivers pay lower rates – Whether or not you get tickets impacts your car insurance rates tremendously. Drivers with clean records tend to pay less for car insurance than their less careful counterparts. Just one moving violation may increase your cost forty percent or more. Drivers with dangerous tickets such as hit and run, DWI or reckless driving convictions are required to file a SR-22 with their state motor vehicle department in order to prevent a license revocation.
  • Younger drivers pay higher rates – Youthful drivers are statistically proven to be careless and easily distracted when driving so they pay higher car insurance rates. If you’ve ever had to add a teenage driver to your car insurance policy can be very expensive. More mature drivers are more cautious drivers, statistically cause fewer accidents and receive fewer citations.
  • Marriage pays dividends – Having a wife or husband helps lower the price on car insurance. Having a spouse is viewed as being more mature it has been statistically shown that drivers who are married are more cautious.
  • High crash test scores lower rates – Vehicles with good safety scores are cheaper to insure. Safe vehicles reduce injuries and lower injury rates translates into savings for insurance companies and lower rates for you. If your Chevy Suburban has ratings of a minimum four stars on it may be receiving lower rates.

Insurance agents can help

When it comes to choosing adequate coverage for your vehicles, there is no “perfect” insurance plan. Every situation is different.

These are some specific questions could help you determine if your situation might need an agent’s assistance.

  • Am I missing any policy discounts?
  • Can I rate high risk drivers on liability-only vehicles?
  • Should I carry comprehensive and collision coverage?
  • How does medical payments coverage work?
  • Is there coverage for injuries to my pets?
  • Am I insured when driving a different vehicle?
  • Should I bundle my homeowners policy with my auto?
  • Can my teen drive my company car?
  • Are rental cars covered under my policy?
  • What if I don’t agree with a claim settlement offer?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It’s fast, free and you can get the answers you need.

Auto insurance policy coverages for a 1998 Chevy Suburban

Learning about specific coverages of your policy aids in choosing appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and nobody wants to actually read their policy.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your 1998 Chevy Suburban.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Collision coverage protection

Collision coverage pays for damage to your Suburban from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for claims such as driving through your garage door, backing into a parked car and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to bring the cost down.


Liability coverage protects you from damage or injury you incur to other’s property or people in an accident. It protects you against other people’s claims. 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. As an example, you may have policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like emergency aid, loss of income and funeral expenses. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as much as you can afford.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as a tree branch falling on your vehicle, vandalism, hitting a bird and hail damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Coverage for medical payments and/or PIP pay for expenses for things like doctor visits, EMT expenses, rehabilitation expenses and prosthetic devices. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover you and your occupants as well as getting struck while a pedestrian. Personal Injury Protection is not an option in every state and may carry a deductible

Better coverage you can count on

Consumers change insurance companies for a variety of reasons including policy non-renewal, extreme rates for teen drivers, lack of trust in their agent and even poor customer service. Regardless of your reason, choosing a new company can be pretty painless.

Cheaper 1998 Chevy Suburban insurance can be purchased both online in addition to many insurance agents, and you should compare price quotes from both in order to have the best price selection to choose from. Some insurance companies do not provide the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.

When trying to cut insurance costs, you should never skimp on critical coverages to save a buck or two. There are too many instances where someone dropped liability coverage limits and found out when filing a claim they didn’t have enough coverage. The ultimate goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

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