Compare 1999 GMC Suburban Insurance Quotes

Scraping up a payment for overpriced GMC Suburban insurance can drain your personal savings and put a big crunch on your finances. Comparing price quotes is a smart way to help make ends meet.

Online insurance companies like Geico, Farmers Insurance and State Farm all claim big savings, bombarding you with advertising and it is challenging if not impossible to see past the corporate glitz and do the work needed to find the best deal.

Are you getting all your discounts?

Car insurance companies don’t always publicize all available discounts very clearly, so here is a list both the well known and the harder-to-find car insurance savings.

  • Good Students Pay Less – Performing well in school can earn a discount of 20% or more. The discount lasts until age 25.
  • Safety Course Discount – Completing a course in driver safety can save you 5% or more if you qualify.
  • Payment Method – If paying your policy premium upfront instead of paying each month you could save 5% or more.
  • Multi-policy Discount – When you combine your home and auto insurance with the same company you will save up to 20% off your total premium.
  • Life Insurance – Some companies give lower rates if you buy life insurance from them.
  • Federal Employees – Simply working for the federal government could cut as much as 10% off for Suburban insurance with select insurance companies.

It’s important to understand that most discount credits are not given to your bottom line cost. A few only apply to specific coverage prices like liability and collision coverage. Just because you may think you can get free auto insurance, car insurance companies aren’t that generous.

For a list of insurance companies offering car insurance discounts, click here.

Free Quotes for Car Insurance

Most major insurance companies like Allstate and Progressive quote price estimates on the web. Getting quotes doesn’t take a lot of time as you just enter the amount of coverage you want as detailed in the form. Once entered, their rating system sends out for your driving and credit reports and gives you a price quote. This streamlines rate comparisons, but having to visit each company’s website and repetitively type in the same information is repetitive and time-consuming. But it’s very important to get many rate quotes if you want to find the lowest price.

The preferred way to find lower prices requires only one form to get prices from more than one company. The form is fast, helps eliminate reptitive entry, and makes comparison shopping much more enjoyable and efficient. After sending the form, it is quoted and you are able to buy any or none of the returned quotes. If a lower price is quoted, you simply finish the application and purchase coverage. The whole process just takes a couple of minutes and you will know how your current rates stack up.

To fill out one form to compare multiple rates now, click here to open in new window and submit your coverage information. If you have your current policy handy, we recommend you enter your coverages exactly as shown on your declarations page. This way, you will have rate quotes based on similar coverages.

When might I need an agent?

When choosing coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different so your insurance should reflect that For example, these questions can help discover if your insurance needs will benefit from professional help.

  • How do I file an SR-22 for a DUI in my state?
  • What are the financial responsibility laws in my state?
  • What is the ISO rating for a 1999 GMC Suburban?
  • Does coverage extend to my business vehicle?
  • Does having multiple vehicles earn me a discount?
  • Am I covered if my car is in a flood?
  • Do I need higher collision deductibles?
  • Is my nanny covered when driving my vehicle?
  • What exactly is covered by my policy?
  • Can I pay claims out-of-pocket if I buy high deductibles?

If you don’t know the answers to these questions, then you may want to think about talking 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.

Specifics of your car insurance policy

Understanding the coverages of your car insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be confusing and reading a policy is terribly boring. Shown next are the normal coverages found on most car insurance policies.

Comprehensive (Other than Collision) – This coverage pays for damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hail damage, damage from getting keyed, vandalism and damage from flooding. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision coverages – 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 then the remaining damage will be paid by your insurance company.

Collision can pay for claims like driving through your garage door, hitting a parking meter, sideswiping another vehicle, colliding with another moving vehicle and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. It’s also possible to raise the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – This coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Medical expense insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses like doctor visits, prosthetic devices, dental work and X-ray expenses. They are often used to fill the gap from your health insurance plan or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. PIP coverage is not available in all states and gives slightly broader coverage than med pay

Auto liability – This coverage can cover damage or injury you incur to other’s property or people. This coverage protects you against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 50/100/50 that translate to a limit of $50,000 per injured person, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery.

Liability coverage pays for claims like repair bills for other people’s vehicles, loss of income, court costs and structural damage. How much liability should you purchase? That is your choice, but you should buy as large an amount as possible.

At the end of the day…

We just covered a lot of information how to save on 1999 GMC Suburban insurance. The key concept to understand is the more times you quote, the better your comparison will be. You may be surprised to find that the lowest rates come from a small local company. These companies can often provide lower rates in certain areas compared to the large companies like Allstate, Geico and Progressive.

As you go through the steps to switch your coverage, never reduce coverage to reduce premium. There are a lot of situations where someone sacrificed uninsured motorist or liability limits and learned later that a couple dollars of savings turned into a financial nightmare. The proper strategy is to buy the best coverage you can find for the lowest price while not skimping on critical coverages.

Cheap insurance can be bought from both online companies and with local insurance agents, and you should compare price quotes from both so you have a total pricing picture. Some insurance companies do not offer the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

Additional insurance coverage information is available at the links below