Lower Your 1997 Chevrolet Suburban Insurance Quotes

Trying to find the cheapest car insurance rates for your Chevrolet Suburban? Tired of trying to scrape together enough money to buy car insurance? You are in the same boat as most other car owners. Companies like State Farm, Progressive and Geico all claim big savings with ads and it is difficult to ignore the propoganda and do the work needed to find the best deal.

If you are insured now or need a new policy, you can use this information to find better prices while maintaining coverages. Buying car insurance is not that difficult. Vehicle owners just need to understand the most efficient way to buy car insurance on the web.

Compare the Market for Insurance Coverage

Cutting your insurance coverage rates doesn’t have to be difficult. The only thing you need to do is spend a few minutes on the computer comparing price quotes online with multiple companies. This can be accomplished in just a few minutes using one of these methods.

  1. The fastest way consumers can make multiple comparisons is to use a rate comparison form (click to open form in new window). This type of form eliminates the need for a different quote to each individual insurance coverage company. One quote request gets rate comparisons from many national carriers.
  2. A harder way to shop for insurance coverage online consists of going to each individual company website to complete their respective quote request forms. For examples sake, let’s assume you want to compare rates from Liberty Mutual, Esurance and Geico. To find out each rate you need to go to every website and enter your information, which is why most consumers use the first method. To view a list of companies in your area, click here.

However you get your quotes, double check that you are using identical information for each comparison quote. If you use different liability limits it’s not possible to make a fair comparison for your Chevy Suburban.

Beware of misleading auto insurance ads

Drivers get pounded daily by advertisements for cheaper car insurance by State Farm, Allstate and Geico. They all make an identical promise that you can save if you switch to their company.

How do they all say the same thing? This is how they do it.

All the different companies have a certain “appetite” for the right customer that earns them a profit. An example of a preferred risk might be profiled as between 30 and 50, is a homeowner, and chooses high deductibles. A customer who matches those parameters will qualify for the lowest rates and therefore will save quite a bit of money when switching.

Drivers who don’t meet the requirements will be quoted higher rates and ends up with business going elsewhere. The ad wording is “customers who switch” not “everybody who quotes” save that kind of money. That’s the way companies can claim big savings.

This emphasizes why you absolutely need to compare many company’s rates. Because you never know the company that will have the lowest Chevy Suburban insurance rates.

Chevy Suburban insurance rates consist of many parts

An important part of buying insurance is that you know the different types of things that come into play when calculating your car insurance rates. Having a good understanding of what controls the rates you pay helps enable you to make changes that will entitle you to big savings.

  • Safe vehicles cost less to insure – Vehicles with good safety scores can get you lower premiums. These vehicles have better occupant injury protection and better occupant protection means less money paid by your insurance company and thus lower rates. If your Chevy Suburban is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
  • Traffic citations inflate rates – Your driving record has a big impact on rates. Even a single moving violation can increase rates forty percent or more. Good drivers tend to pay less for car insurance than people who have multiple driving citations. Drivers who get severe violations like DWI, reckless driving or hit and run convictions may be required to file a SR-22 with their state DMV in order to drive a vehicle legally.
  • Drive less and save money – The higher the mileage driven every year the more you will pay for car insurance. Almost all companies apply a rate based on their usage. Autos used primarily for pleasure use get more affordable rates than vehicles that are driven to work every day. An improperly rated Suburban may be wasting your money. Double check that your car insurance declarations sheet shows the correct usage for each vehicle.
  • Never let your coverage lapse – Allowing your coverage to lapse will be a quick way to bump up your car insurance costs. Not only will you pay more, failure to provide proof of insurance may earn you a hefty fine and possibly a revoked license.
  • Discounts for multiple policies – Some insurers will award you with lower prices to policyholders who have multiple policies with them in the form of a multi-policy discount. Even with this discount, it’s in your best interest to shop around to make sure you are getting the best deal.
  • Where you live can impact rates – Choosing to live in small towns and rural areas can save you money when it comes to car insurance. Drivers in populated areas have traffic congestion and much longer commute distances. Less people living in that area means fewer accidents.
  • Extra coverages can waste money – There are many extra bells and whistles that you can buy on your Suburban policy. Insurance for personal injury protection, towing coverage and membership fees may be costing you every month. These coverages may sound good at first, but your needs may have changed so eliminate the coverages to reduce your premium.
  • Special features that cut premiums – Purchasing a vehicle with anti-theft technology or alarm system can help bring down rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping car theft.

Don’t miss these discounts

The price of auto insurance can be rather high, but there are discounts available to cut the cost considerably. Some trigger automatically at the time you complete a quote, but a few need to be inquired about before being credited. If they aren’t giving you every credit you deserve, you are throwing money away.

  • Federal Government Employee – Being employed by or retired from a federal job could cut as much as 10% off on Suburban insurance with select insurance companies.
  • Multi-car Discount – Insuring more than one vehicle on one policy qualifies for this discount.
  • Air Bag Discount – Cars that have air bags or automatic seat belts can receive discounts of more than 20%.
  • Sign Early and Save – Some companies give discounts for switching to them prior to your current policy expiring. It can save you around 10%.
  • New Car Discount – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Sign Online – Certain companies may give you up to $50 just for signing your application on their website.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for better car insurance rates on Suburban insurance.
  • Driver Safety – Taking part in a course in driver safety can save you 5% or more if your company offers it.
  • Life Insurance – Some companies give lower rates if you buy life insurance from them.

Keep in mind that many deductions do not apply to the overall cost of the policy. Some only reduce the cost of specific coverages such as collision or personal injury protection. So even though they make it sound like it’s possible to get free car insurance, it just doesn’t work that way. But any discount will bring down the amount you have to pay.

Insurance companies that may offer these money-saving discounts include:

Double check with every prospective company which discounts they offer. Some discounts may not apply in your state.

When might I need help?

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Each situation is unique so your insurance should reflect that For example, these questions could help you determine whether your personal situation could use an agent’s help.

  • What companies insure drivers after a DUI or DWI?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is my 1997 Chevy Suburban covered for flood damage?
  • Does insurance cover damages from a DUI accident?
  • Where can I get insurance after a DUI in my state?
  • Am I covered when driving a rental car?
  • Does my insurance cover a custom paint job?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Coverages available on your policy

Understanding the coverages of a insurance policy helps when choosing the right coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle’s occupants when the “other guys” are uninsured or don’t have enough coverage. Covered losses include medical payments for you and your occupants and damage to your Chevy Suburban.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is very important. Frequently the UM/UIM limits are similar to your liability insurance amounts.

Comprehensive auto coverage

Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like damage from flooding, damage from getting keyed, vandalism, a tree branch falling on your vehicle and rock chips in glass. The maximum payout a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider dropping full coverage.

Collision insurance

Collision coverage will pay to fix damage to your Suburban caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things like backing into a parked car, rolling your car, driving through your garage door, scraping a guard rail and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Liability auto insurance

This protects you from injuries or damage you cause to other’s property or people in an accident. It protects you against claims from other people, and doesn’t cover 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 liability limits of 25/50/25 that means you have $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and a total limit of $25,000 for damage to vehicles and property. Alternatively, you may have one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as attorney fees, loss of income, emergency aid and repair costs for stationary objects. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as high a limit as you can afford.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP provide coverage for expenses like funeral costs, nursing services and doctor visits. They can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. They cover all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Get your money’s worth

Cheap 1997 Chevy Suburban insurance can be found from both online companies and also from your neighborhood agents, so you should compare both to have the best rate selection. Some insurance companies may not provide the ability to get a quote online and these small insurance companies work with independent agents.

We’ve covered many ideas to get a better price on insurance. It’s most important to understand that the more you quote, the higher the chance of saving money. Drivers may discover the best prices are with the least-expected company. Some small companies may cover specific market segments cheaper than the large multi-state companies such as Progressive and Geico.

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