2012 Chevrolet Suburban Insurance Rates – 6 Policy Discounts

Tired of scraping the payment together each month for car insurance? You are in the same boat as millions of other consumers.

Because there are so many choices, it can be hard to find the right company.

You should make it a habit to take a look at other company’s rates on a regular basis since rates change frequently. Even if you got the best price on Suburban coverage on your last policy you may be paying too much now. Don’t believe everything you read about car insurance online, so we’re going to give you a lot of great tips on how to quit paying high car insurance rates.

Finding the best rates is not rocket science. In a nutshell, every driver who has to buy insurance coverage stands a good chance to be able to find lower rates. But vehicle owners can benefit from knowing how the larger insurance companies market on the web and take advantage of how the system works.

How to Buy Insurance Online

Shopping for lower insurance rates can be a daunting task if you aren’t aware of the most efficient way. You could spend the better part of a day talking to agents in your area, or you could use the internet to get prices fast.

The majority of car insurance companies participate in a marketplace that allows shoppers to only type in their quote data once, and each participating company then returns a price quote based on that data. This eliminates the need for quotation requests for every insurance company.

To use this form to compare 2012 Chevy Suburban insurance rates click to open in new window.

The single downside to pricing coverage this way is you don’t know exactly which carriers you want to price. If you wish to select specific insurance companies to compare prices, we have a page of the cheapest insurance companies in your area. View list of insurance companies.

It’s your choice how you get your quotes, but double check that you are using identical coverages and limits for each price quote. If each company quotes different limits and deductibles on each one it will be impossible to make a fair comparison for your Chevy Suburban. Just a small difference in coverage limits could mean much higher rates. Just keep in mind that quoting more will increase your chances of finding the best offered rates.

Car insurance myths debunked

Progressive, Geico, Allstate and State Farm continually stream ads on television and other media. All the companies make an identical promise that you can save after switching your coverage to them. How does each company make the same claim?

All the different companies are able to cherry pick for the driver that earns them a profit. A good example of a preferred risk might be profiled as between the ages of 30 and 50, owns a home, and drives less than 7,500 miles a year. A customer getting a price quote who fits that profile is entitled to the best price and as a result will probably cut their rates substantially.

Potential customers who are not a match for these standards will be quoted higher premiums and ends up with the customer not buying. The ads say “customers who switch” not “people who quote” save that much. This is how companies can make those claims. This emphasizes why you absolutely need to compare many company’s rates. It’s not possible to predict which insurance companies will have the lowest Chevy Suburban insurance rates.

Don’t overlook these six discounts

Auto insurance companies do not list all their discounts in a way that’s easy to find, so we took the time to find both well-publicized and the harder-to-find savings tricks you should be using.

  • Organization Discounts – Affiliation with a qualifying organization could qualify you for a break on insurance coverage on Suburban coverage.
  • Air Bag Discount – Cars that have air bags and/or automatic seat belt systems can qualify for discounts of up to 25% or more.
  • Save over 55 – Mature drivers may receive reduced rates on Suburban coverage.
  • Drivers Education – Cut your cost by having your teen driver successfully complete driver’s ed class if offered at their school.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems prevent vehicle theft and earn discounts up to 10%.
  • Military Rewards – Being deployed with a military unit may qualify for rate reductions.

Keep in mind that some of the credits will not apply to the entire policy premium. Most cut the price of certain insurance coverages like comprehensive or collision. So when the math indicates you would end up receiving a 100% discount, it just doesn’t work that way.

For a list of companies with the best insurance coverage discounts, click this link.

Is my situation unique?

When it comes to buying adequate coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions could help you determine if your situation might need professional guidance.

  • How can I get my company to pay me more for my totalled car?
  • Does medical payments coverage apply to all occupants?
  • Should I get collision insurance on every vehicle?
  • Are rental cars covered under my policy?
  • If my pet gets injured in an accident are they covered?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Who is covered by my policy?
  • Am I covered if I hit a deer?

If it’s difficult to answer those questions but one or more may apply to you then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Insurance coverages and their meanings

Understanding the coverages of a insurance policy can be of help when determining the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement. Below you’ll find the normal coverages found on most insurance policies.

Liability auto insurance – This coverage will cover damages or injuries you inflict on people or other property. Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability insurance covers things such as medical services, repair costs for stationary objects, bail bonds, funeral expenses and court costs. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Medical costs insurance – Personal Injury Protection (PIP) and medical payments coverage kick in for short-term medical expenses for X-ray expenses, EMT expenses, nursing services, surgery and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to all vehicle occupants and also covers being hit by a car walking across the street. PIP coverage is not available in all states but can be used in place of medical payments coverage

Collision – This coverage covers damage to your Suburban caused by collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage protects against things like colliding with another moving vehicle, sideswiping another vehicle, colliding with a tree, damaging your car on a curb and driving through your garage door. Collision is rather expensive coverage, so consider dropping it from older vehicles. Drivers also have the option to increase the deductible to bring the cost down.

UM/UIM Coverage – Your UM/UIM coverage provides 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 Chevy Suburban.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive or Other Than Collision – This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as a broken windshield, falling objects, a tree branch falling on your vehicle, fire damage and hitting a deer. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Affordable insurance is out there

You just learned quite a bit of information on how to shop for 2012 Chevy Suburban insurance online. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your rates. Consumers could even find that the lowest rates come from an unexpected company. These smaller insurers may only write in your state and offer lower rates than their larger competitors like State Farm or Progressive.

When trying to cut insurance costs, you should never skimp on coverage in order to save money. In too many instances, someone sacrificed comprehensive coverage or liability limits and learned later they didn’t purchase enough coverage. Your goal should be to purchase plenty of coverage at an affordable rate while still protecting your assets.

Much more information about car insurance is available on the following sites: