Lower Your 2004 Chevrolet Suburban Insurance Rates

Looking for better car insurance rates? Shoppers have lots of choices when shopping for the best price on Chevy Suburban insurance. They can either waste time struggling with agents to get rate comparisons or save time using the internet to find the lowest rates. There are both good and bad ways to compare car insurance rates and we’ll show you the best way to get price quotes for your Chevy and locate the best price possible either online or from local insurance agents.

You need to check car insurance prices on a regular basis because prices go up and down regularly. Despite the fact that you may have had the lowest rates for Suburban coverage a couple years back a different company probably has better rates today. You can find a lot of wrong information about car insurance on the web, but we’re going to give you some great ideas on how to put money back in your pocket.

If you have insurance now or are looking for a new policy, you can use these techniques to cut your premiums and still get good coverage. The purpose of this post is to instruct you on how to effectively get price quotes and some tips to save money. Drivers just need to know the best way to compare price quotes online.

Compare the Market for Auto Insurance

Finding lower auto insurance rates can be quick and easy. All that’s required is to take time to compare rate quotes from different insurance companies. It is quite easy and can be accomplished in just a few minutes using one of these methods.

  1. The recommended way to get quotes for comparison is a comparison rater form click to view form in new window. This easy form saves time by eliminating boring form submissions for each company. One quote request gets rate comparisons from all major companies. This is by far the quickest method.
  2. A harder way to get comparison quotes is spending the time to visit each individual company website and request a quote. For sake of this example, we’ll assume you want to compare USAA, Liberty Mutual and Progressive. You would have to visit each site to enter your coverage information, and that’s why the first method is more popular.

    For a list of links to companies insuring cars in your area, click here.

  3. The least recommended way to get comparison rates is to spend your day driving to different agent offices. The internet makes this process obsolete unless you have a need for the personal advice of a licensed agent. You can, however, price shop online but still have the advice of a local agent. We’ll cover that shortly.

However you get your quotes, double check that you are using identical coverage information on every quote. If you are comparing different values for each quote it will be very difficult to truly determine the lowest rate.

These discounts can slash insurance coverage rates

Auto insurance companies don’t always advertise all available discounts very clearly, so we researched both well-publicized and the more hidden ways to save on insurance coverage. If you’re not getting every credit available, you’re paying more than you need to.

  • 55 and Retired – Older drivers may receive a small decrease in premiums for Suburban coverage.
  • Claim Free – Claim-free drivers can earn big discounts compared to bad drivers.
  • Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks for buying your policy over the internet.
  • Safe Drivers – Safe drivers may save up to 50% more for Suburban coverage than less cautious drivers.
  • Air Bag Discount – Vehicles equipped with air bags or automatic seat belts can qualify for discounts of more than 20%.
  • Life Insurance Discount – Larger companies have lower rates if you buy auto and life insurance together.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles are safer to drive and earn discounts up to 10%.
  • Driver Safety – Successfully completing a driver safety course could possibly earn you a 5% discount if your company offers it.
  • Early Signing – Some companies give discounts for switching to them before your current policy expires. This can save 10% or more.

Drivers should understand that most discount credits are not given the the whole policy. Most cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like adding up those discounts means a free policy, insurance coverage companies aren’t that generous.

Car insurance companies who might offer some of the above discounts are:

Before buying, ask each insurance company what discounts are available to you. Discounts might not be offered in every state.

When might I need the advice of an agent?

When buying adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique.

For example, these questions can help discover if your insurance needs might need an agent’s assistance.

  • What are the best liability limits?
  • Should I drop comprehensive coverage on older vehicles?
  • Can I afford to buy a different vehicle if my 2004 Chevy Suburban is totaled?
  • Am I covered by my spouse’s policy after a separation?
  • Can I still get insurance after a DUI?
  • Should I bundle my homeowners policy with my auto?
  • Who is covered when they drive my 2004 Chevy Suburban?
  • Is my cargo covered for damage or theft?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to a licensed insurance agent. If you don’t have a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Insurance coverage options for a 2004 Chevy Suburban

Learning about specific coverages of your insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – This coverage provides protection from other motorists when they either have no liability insurance or not enough. This coverage pays for medical payments for you and your occupants and also any damage incurred to your Chevy Suburban.

Due to the fact that many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is important protection for you and your family.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses for X-ray expenses, funeral costs, doctor visits and ambulance fees. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. PIP is not universally available but it provides additional coverages not offered by medical payments coverage

Collision coverage – This will pay to fix damage to your Suburban from colliding with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision coverage protects against things like backing into a parked car, rolling your car, hitting a mailbox, sustaining damage from a pot hole and crashing into a building. Collision is rather expensive coverage, so consider dropping it from lower value vehicles. Drivers also have the option to increase the deductible to bring the cost down.

Comprehensive coverages – Comprehensive insurance coverage covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from a tornado or hurricane, rock chips in glass, hitting a bird, fire damage and damage from getting keyed. The maximum payout you’ll receive from a claim is the market value of your vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance – Liability coverage protects you from damage that occurs to a person or their property. It protects you from claims by other people, and doesn’t 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. As an example, you may have policy limits of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, $300,000 for the entire accident, and a limit of $100,000 paid for damaged property.

Liability coverage protects against things like pain and suffering, court costs, emergency aid, funeral expenses and loss of income. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as high a limit as you can afford.