1991 GMC Suburban Insurance Cost – 5 Tips to Save

Looking for the cheapest car insurance rates for your GMC Suburban? Comparison shopping for more affordable car insurance might be slightly frustrating for drivers new to quoting coverage prices online. With literally dozens of insurance companies available, it can easily be a lot of work to find a cheaper company.

This article will let you in on the most effective way to quote insurance and some money-saving tips. If you currently have a car insurance policy, you should be able to lower your premiums substantially using these methods. But drivers must know the methods companies use to price online insurance and take advantage of how the system works.

The easiest way to compare car insurance rates is to know the fact most of the larger companies pay for the opportunity to quote your coverage. To start a quote, the only thing you need to do is give them rating details including if it has an anti-theft system, the type of vehicles you drive, if you require a SR-22, and if you’re married. That information is then submitted to many of the top insurers and you get price estimates quickly.

If you wish to get multiple quotes for your 1991 GMC Suburban now, click here and complete the form.

Save a ton by taking advantage of these five discounts

Car insurance companies don’t necessarily list the complete list of policy discounts very clearly, so the following is a list of a few of the more common and the more hidden discounts you could be receiving when you buy car insurance online. If you are not receiving all the discounts you deserve, you could be getting lower rates.

Drivers Ed for Students – It’s a good idea to have your young drivers complete a driver education course if it’s offered in school.
Paper-free Discount – Some of the larger companies provide a small discount just for signing your application on the internet.
Clubs and Organizations – Joining qualifying employment or professional organizations could earn you a nice discount on car insurance.
Anti-lock Brake Discount – Cars equipped with ABS or steering control can reduce accidents so companies give up to a 10% discount.
55 and Retired – If you’re over the age of 55, you can get a slight reduction on a car insurance quote for Suburban insurance.

Policy discounts save money, but most discounts do not apply to the entire cost. Some only reduce individual premiums such as comprehensive or collision. So even though it sounds like you would end up receiving a 100% discount, you aren’t that lucky.

A list of companies and a selection of discounts are shown below.

Farmers Insurance has savings for bundle discounts, early shopping, alternative fuel, homeowner, multi-car, and pay in full.
State Farm may include discounts for Drive Safe & Save, multiple policy, accident-free, defensive driving training, and anti-theft.
Liberty Mutual offers discounts for new move discount, multi-policy, multi-car, preferred payment discount, new graduate, newly retired, and hybrid vehicle.
MetLife includes discounts for good driver, accident-free, defensive driver, good student, and claim-free.
Progressive offers discounts including multi-policy, homeowner, good student, online quote discount, and online signing.

It’s a good idea to ask every insurance company which discounts they offer. Depending on the company, some discounts may not be available in your area. To see insurance companies who offer online car insurance quotes, click here to view.

How much auto insurance do I need?

When it comes to choosing proper insurance coverage for your personal vehicles, there really is not a best way to insure your cars. Your needs are not the same as everyone else’s.

For example, these questions may help highlight whether your personal situation might need an agent’s assistance.

Is my business laptop covered if it gets stolen from my vehicle?
Is my camper covered by my car insurance policy?
Where can I get insurance after a DUI in my state?
Are there companies who specialize in insuring high-risk drivers?
What is no-fault insurance?
If my 1991 GMC Suburban is totaled, can I afford another vehicle?
Is pleasure use cheaper than using my 1991 GMC Suburban to commute?
Can I rent a car in Mexico?

If it’s difficult to answer those questions but a few of them apply, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Car insurance coverages and their meanings

Knowing the specifics of your policy aids in choosing the right coverages and proper limits and deductibles. Car insurance terms can be confusing and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist (UM/UIM)

This coverage gives you protection from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Normally your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Coverage for medical payments and/or PIP kick in for short-term medical expenses such as rehabilitation expenses, hospital visits, pain medications, X-ray expenses and surgery. They are used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover you and your occupants as well as any family member struck as a pedestrian. PIP is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

This coverage covers damage to your Suburban caused by collision with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as scraping a guard rail, sustaining damage from a pot hole and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Another option is to raise the deductible to bring the cost down.

Liability insurance

Liability insurance protects you from injuries or damage you cause to other people or property in an accident. It protects YOU from legal claims by others. It does not cover damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against claims such as medical services, medical expenses, funeral expenses and court costs. How much coverage you buy is your choice, but you should buy higher limits if possible.

Comprehensive insurance

Comprehensive insurance coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like hitting a deer, theft, hitting a bird and a broken windshield. The maximum amount a car insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.