Save on 2006 Chevrolet Suburban Insurance Rates

Having to pay for overpriced Chevrolet Suburban insurance can dwindle your savings account and force you to prioritize other expenses. Comparison shopping is a great way to cut your insurance bill.

Consumers have many insurance companies to purchase coverage from, and even though it’s nice to have a selection, having more insurance companies makes it harder to find the lowest rates.

It’s important to check insurance prices occasionally due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the lowest price for Suburban insurance on your last policy you will most likely find a better rate today. So just forget all the misinformation about insurance because I’m going to teach you the best way to save money, get proper coverage and the best rates.

How to Compare Auto Insurance

The are a couple different ways of comparing price quotes from different insurance companies. The quickest method to find competitive 2006 Chevy Suburban insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished using a couple different methods.

  1. The best way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This easy form prevents you from having to do separate quotes for every auto insurance company. Completing one form compares rates direct from many companies.
  2. A more time consuming way to get comparison quotes is spending the time to visit each company’s website to request a price quote. For example, we’ll pretend you want rates from USAA, Safeco and Liberty Mutual. You would have to take the time to go to each site and enter your information, which is why the first method is quicker.

    To view a list of companies in your area, click here.

  3. The hardest method to get comparison rates is driving to and from local insurance agencies. The ability to buy insurance online eliminates the need for an insurance agent unless you want the professional guidance of a licensed agent. You can, however, obtain prices from the web and get advice from an agent in your area and we’ll touch on that later.

It’s up to you how you get prices quotes, just ensure you’re using apples-to-apples coverages and limits with every price quote. If the quotes have different values for each quote it’s impossible to truly determine the lowest rate. Just a small difference in coverages may result in a large different in cost. And when quoting auto insurance, remember that more quotes helps locate the best rates.

When should I talk to an agent?

When choosing proper insurance coverage for your vehicles, there is no one size fits all plan. Everyone’s needs are different and a cookie cutter policy won’t apply. These are some specific questions can aid in determining if you would benefit from an agent’s advice.

  • Should I rate my 2006 Chevy Suburban as pleasure use or commute?
  • Do I need more liability coverage?
  • What is UM/UIM insurance?
  • Is upholstery damage covered by car insurance?
  • Who is covered by my policy?
  • What are the financial responsibility laws in my state?
  • If I drive on a suspended license am I covered?
  • How can I find cheaper teen driver insurance?
  • Does my insurance cover my expensive audio equipment?
  • Do I have any recourse if my insurance company denies a claim?

If you don’t know the answers to these questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form or you can go here for a list of companies in your area.

Insurance coverage breakdown

Knowing the specifics of a insurance policy helps when choosing the best coverages and proper limits and deductibles. Policy terminology can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages found on the average insurance policy.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as damage from flooding, damage from a tornado or hurricane and vandalism. The maximum amount you’ll receive from a claim is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical costs insurance

Med pay and PIP coverage pay for short-term medical expenses for dental work, hospital visits and prosthetic devices. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Coverage applies to you and your occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Collision coverage

This pays for damage to your Suburban resulting from a collision with another car or object. You first must pay a deductible then your collision coverage will kick in.

Collision coverage protects against things like colliding with a tree, hitting a mailbox and hitting a parking meter. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. Drivers also have the option to choose a higher deductible to get cheaper collision coverage.

Liability insurance

Liability insurance protects you from injuries or damage you cause to other’s property or people in an accident. It protects you against other people’s claims, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000.

Liability coverage pays for claims such as emergency aid, medical services, structural damage and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase higher limits if possible.

UM/UIM Coverage

This gives you protection when other motorists are uninsured or don’t have enough coverage. Covered claims include medical payments for you and your occupants and damage to your Chevy Suburban.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked.