2014 Chevrolet Suburban Insurance Rates – 6 Ideas for Cheapest Quotes

Are you sick and tired of trying to scrape together enough money to insure your Chevy every month? Your situation is no different than the majority of other car owners. You have multiple insurers to insure vehicles with, and although it’s nice to have a selection, too many choices makes it more difficult to find the lowest cost provider.

You should take the time to shop coverage around occasionally because rates fluctuate regularly. Even if you think you had the best price on Suburban insurance last year other companies may now be cheaper. Starting right now, block out anything you think you know about auto insurance because we’re going to show you the proper way to remove unneeded coverages and save money.

This information will teach you the best way to quote coverages. If you currently have a car insurance policy, you should be able to cut costs considerably using this information. Consumers only need an understanding of the tricks to get comparison quotes online.

Quick Insurance Coverage Quotes

There are a variety of methods to compare 2014 Chevy Suburban insurance coverage prices and some are less time-consuming than others. You can spend your afternoon discussing policy coverages with insurance agencies in your area, or you can stay home and use the web to get pricing more quickly.

Many companies take part in a program that enables customers to complete one form, and each participating company provides a quote for coverage. This eliminates the need for repetitive form submissions for every insurance coverage company.

To submit your quote information now, click here to open in new window.

The one downside to using this type of system is you cannot specify which providers you want to price. So if you want to select specific providers to request quotes from, we have a page of companies who write insurance coverage in your area. Click here to view list.

It doesn’t matter which method you choose, just make darn sure you compare apples-to-apples coverage limits and deductibles on every quote. If you enter different values for each quote it’s not possible to truly determine the lowest rate.

How to reduce Chevy Suburban insurance rates

Insuring your vehicles can cost a lot, but companies offer discounts that you may not know about. Certain discounts will be triggered automatically when you quote, but less common discounts must be inquired about prior to getting the savings. If you aren’t receiving every discount you deserve, you are throwing money away.

  • Government Employees – Simply working for the federal government can earn a discount up to 10% on Suburban insurance with select insurance companies.
  • Club Memberships – Belonging to a professional or civic organization could trigger savings on your policy on Suburban insurance.
  • Theft Prevention Discount – Vehicles with anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Homeowners Savings – Simply owning a home can save you money because of the fact that having a home shows financial diligence.
  • Seat Belts Save – Buckling up and requiring all passengers to wear their seat belts could cut 10% or more off the personal injury premium cost.
  • Drive Safe and Save – Safe drivers may receive a discount up to 45% less on Suburban insurance than drivers with accidents.

Drivers should understand that many deductions do not apply to the entire policy premium. Most only apply to the price of certain insurance coverages like liability and collision coverage. Just because you may think all those discounts means the company will pay you, insurance companies aren’t that generous. But all discounts will cut your premiums.

For a list of insurers offering insurance discounts, follow this link.

Tailor your coverage to you

When buying adequate coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Coverage needs to be tailored to your specific needs so your insurance needs to address that. For example, these questions can aid in determining if you might need an agent’s assistance.

  • Will I lose any money if I cancel my policy before it expires?
  • When would I need rental car insurance?
  • Am I covered if hit by an uninsured driver?
  • I have good health insurance, so how much medical payments coverage do I need?
  • Am I missing any policy discounts?
  • Why am I required to get a high-risk car insurance policy?
  • Am I better off with higher deductibles on my 2014 Chevy Suburban?
  • Will my rates increase for filing one claim?
  • Does my car insurance cover rental cars?
  • Am I covered if I break a side mirror?

If you can’t answer these questions but a few of them apply, you might consider talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It is quick, free and can help protect your family.

The coverage is in the details

Having a good grasp of your auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and nobody wants to actually read their policy. Below you’ll find typical coverage types found on the average auto insurance policy.

Collision insurance

This will pay to fix damage to your Suburban resulting from a 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 insurance covers claims like hitting a mailbox, backing into a parked car, rolling your car and colliding with another moving vehicle. Paying for collision coverage can be pricey, so you might think about dropping it from older vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle when other motorists either have no liability insurance or not enough. It can pay for injuries to you and your family and also any damage incurred to your Chevy Suburban.

Due to the fact that many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Liability auto insurance

Liability coverage provides protection from damage that occurs to people or other property. It protects you against claims from 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 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL which provides one coverage limit with no separate limits for injury or property damage.

Liability coverage protects against things like legal defense fees, emergency aid, repair costs for stationary objects, bail bonds and medical expenses. 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.

Comprehensive coverage

Comprehensive insurance pays for damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like rock chips in glass, damage from flooding, a tree branch falling on your vehicle, hitting a bird and falling objects. The most you’ll receive from a claim is the actual cash value, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Medical payments coverage and PIP

Med pay and PIP coverage provide coverage for immediate expenses for funeral costs, surgery, dental work, prosthetic devices and rehabilitation expenses. The coverages can be used in conjunction with a health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants as well as if you are hit as a while walking down the street. PIP is not universally available but can be used in place of medical payments coverage

Saving money makes a lot of cents

Cheaper 2014 Chevy Suburban insurance can be purchased both online and also from your neighborhood agents, and you should compare price quotes from both so you have a total pricing picture. Some auto insurance companies may not provide online price quotes and usually these small, regional companies provide coverage only through local independent agents.

While you’re price shopping online, it’s a bad idea to buy lower coverage limits just to save a few bucks. There are too many instances where an insured dropped comprehensive coverage or liability limits only to regret that saving that couple of dollars actually costed them tens of thousands. Your focus should be to get the best coverage possible for the lowest price while still protecting your assets.

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