1990 Chevrolet Suburban Insurance Rates – 8 Policy Discounts

Looking for better insurance rates for your Chevrolet Suburban? Pricey Chevrolet Suburban insurance can dwindle your accounts, especially in this economy. Insurance companies such as Allstate and Progressive increase brand awareness with ad campaigns and it can be hard to sift through the bull and do the work needed to find the best deal.

Consumers should take time to price shop coverage periodically because insurance prices are rarely the same from one policy term to another. Despite the fact that you may have had the lowest rates for Suburban insurance a couple years back other companies may now be cheaper. Block out anything you think you know about insurance because we’re going to demonstrate the best way to reduce your cost while improving coverage.

If you are insured now or need a new policy, you can learn to shop for the lowest rates while maximizing coverage. Finding the best rates is not that difficult. Vehicle owners just need to know how to buy insurance online.

Buy car insurance online

Finding cheap car insurance rates can be relatively painless. The only requirement is to spend a few minutes comparing rates from online providers. Price comparisons can be done in a couple of different ways.

  • The recommended way to compare a lot of rates at once is a comparison rater form click to view form in new window. This type of form saves time by eliminating separate forms for each price estimate. A single, simple form will return quotes direct from many companies.
  • A slightly less efficient method to shop for car insurance online consists of visiting each company website and go through the quote process again. For instance, we’ll pretend you want to compare Liberty Mutual, Progressive and GMAC. To get each rate you have to spend time going to each site individually and repeatedly type in your coverage information, which can be really labor intensive. For a list of links to insurance companies in your area, click here.

Take whichever approach you prefer, but make darn sure you compare the exact same coverages and limits for each price quote. If your comparisons have different deductibles you can’t possibly make an equal comparison.

Save 15 percent in 15 minutes? Is it for real?

Consumers can’t ignore all the ads that promise big savings for switching from companies such as Allstate and Progressive. They all have a common claim about how much you will save just by moving to them.

How does every company say the same thing? You have to listen carefully.

All the different companies require specific criteria for a prospective insured that makes them money. One example of a desirable risk may need to be over the age of 45, has a clear driving record, and the vehicle is rated for pleasure use. A propective insured who matches that profile will get low auto insurance rates and most likely will save quite a bit of money when switching.

Potential insureds who are not a match for the “perfect” profile will probably be forced to pay more expensive rates which translates to the prospect going elsewhere. The trick companies use is to say “customers who switch” not “everyone who quotes” save that much. That’s the way insurance companies can lure you into getting a quote.

Different companies use different criteria so you should get insurance quotes from several different companies. It is impossible to guess which company will have the best auto insurance rates for your profile.

Find hidden discounts on auto insurance

Not many people think insurance is cheap, but discounts can save money and there are some available that many consumers don’t even know exist. Many of these discounts will be applied automatically at the time of purchase, but a few need to be inquired about before being credited. If you don’t get every credit you qualify for, you could be saving more on your auto insurance.

  • Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. You can use this discount normally until age 25.
  • College Student – Youth drivers who are enrolled in higher education away from home and don’t have a car may be able to be covered for less.
  • Accident Forgiveness – This one is not really a discount per se, but certain companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims prior to the accident.
  • Drive Less and Save – Driving fewer miles can qualify you for lower auto insurancerates due to less chance of an accident.
  • Driver Education Discount – Teen drivers should complete a driver education course if offered at their school.
  • Early Signing – Some insurance companies give discounts for renewing your policy before your current policy expires. It could save around 10% when you buy insurance online.
  • Discounts for Multiple Vehicles – Buying a policy with multiple cars or trucks with the same company can get a discount for every vehicle.
  • Senior Discount – Drivers over the age of 55 may be able to get a slight reduction on a insurance quote for Suburban insurance.

As a sidenote, some credits don’t apply to your bottom line cost. Most only apply to individual premiums such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, it doesn’t quite work that way. But any discount will positively reduce the cost of coverage.

A few of the larger companies and some of the discounts can be read below.

  • Travelers discounts include save driver, payment discounts, new car, good student, and multi-policy.
  • 21st Century has savings for automatic seat belts, early bird, theft prevention, student driver, and teen driver.
  • State Farm policyholders can earn discounts including student away at school, good student, good driver, defensive driving training, and driver’s education.
  • Geico offers discounts including five-year accident-free, military active duty, emergency military deployment, seat belt use, driver training, defensive driver, and multi-policy.
  • SAFECO may offer discounts for accident prevention training, drive less, anti-theft, anti-lock brakes, homeowner, and multi-car.
  • AAA offers discounts for multi-car, AAA membership discount, good driver, multi-policy, anti-theft, and education and occupation.

It’s a good idea to ask every insurance company how you can save money. All car insurance discounts might not be offered on policies in your area. To see a list of insurers with the best auto insurance discounts, follow this link.

Tailor your car insurance coverage to you

When choosing the right insurance coverage, there really is no one size fits all plan. Everyone’s needs are different so your insurance should reflect that For instance, these questions could help you determine whether you will benefit from professional help.

  • Does having multiple vehicles earn me a discount?
  • Can my teen drive my company car?
  • Who is covered by my policy?
  • Do I benefit by insuring my home with the same company?
  • Am I covered if I wreck a rental car?
  • Do I need to file an SR-22 for a DUI in my state?

If you’re not sure about those questions, you might consider talking to a licensed agent. If you don’t have a local agent, fill out this quick form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Car insurance 101

Understanding the coverages of your policy helps when choosing the right coverages for your vehicles. Policy terminology can be impossible to understand and nobody wants to actually read their policy. These are the normal coverages offered by car insurance companies.

Collision – This covers damage to your Suburban resulting from colliding with another car or object. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a mailbox, sideswiping another vehicle, sustaining damage from a pot hole, crashing into a building and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. It’s also possible to bump up the deductible to get cheaper collision coverage.

UM/UIM Coverage – This gives you protection 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 carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage should not be overlooked. Normally your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Coverage for liability – This coverage can cover damage or injury you incur to other’s property or people that is your fault. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage pays for things like emergency aid, repair bills for other people’s vehicles and pain and suffering. The amount of liability coverage you purchase is a personal decision, but buy as high a limit as you can afford.

Medical costs insurance – Med pay and PIP coverage kick in for expenses for things like doctor visits, EMT expenses, hospital visits and chiropractic care. They can be utilized in addition to your health insurance plan or if there is no health insurance coverage. It covers both the driver and occupants and also covers if you are hit as a while walking down the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for claims such as hitting a bird, damage from a tornado or hurricane and fire damage. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Affordable insurance is out there

As you restructure your insurance plan, never buy poor coverage just to save money. In too many instances, consumers will sacrifice liability coverage limits only to find out that the savings was not a smart move. The goal is to buy enough coverage at a price you can afford, but do not sacrifice coverage to save money.

Throughout this article, we presented many ideas to compare 1990 Chevy Suburban insurance car insurance rates online. It’s most important to understand that the more providers you compare, the higher your chance of finding cheap insurance. Consumers may even find the best price on auto insurance is with a smaller regional carrier. Some small companies may only write in your state and offer lower premium rates than their larger competitors like Allstate and Progressive.

More articles