How Much Does 1994 Chevrolet Suburban Car Insurance Cost?

Finding the cheapest insurance for a new or used Chevy Suburban could be an all-consuming task, but you can use our car insurance buying tips and make it easy. There is a better way to compare car insurance rates and we’ll show you the absolute fastest way to price shop coverage for your Chevy and locate the best price possible from local insurance agents and online providers.

You should make it a habit to quote other rates yearly due to the fact that insurance rates are constantly changing. Despite the fact that you may have had the best premium rates on Suburban insurance last year you will most likely find a better price today. Block out anything you think you know about car insurance because you’re going to get a crash course in how to use online quotes to find better rates and still maintain coverage.

Don’t overlook these car insurance discounts

Some insurance providers don’t necessarily list all disounts very well, so the following is a list of both the well known as well as some of the hidden discounts that you may qualify for.

  • Government Employees – Having worked for a branch of the government could cut as much as 10% off on Suburban insurance depending on your car insurance provider.
  • Distant Student Discount – College-age children who are attending college and do not have access to a covered vehicle may qualify for this discount.
  • Good Drivers – Safe drivers can get discounts for up to 45% lower rates on Suburban insurance as compared to drivers with claims.
  • E-sign Discounts – Some of the larger companies will discount your bill up to fifty bucks for buying your policy on your computer.
  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts could save 15% off the medical payments premium.
  • Fewer Miles Equal More Savings – Keeping the miles down on your Chevy may enable drivers to earn discounted premium rates on garaged vehicles.
  • Defensive Driver Discounts – Taking part in a defensive driving course can save you 5% or more depending on where you live.

As a footnote on discounts, most discounts do not apply to all coverage premiums. Most only reduce the cost of specific coverages such as comprehensive or collision. So when the math indicates all those discounts means the company will pay you, it’s just not the way it works. Any qualifying discounts should definitely cut your premiums.

A partial list of companies that may offer most of these discounts include:

When comparing rates, check with every prospective company which discounts can lower your rates. Savings may not apply in your area. To see providers with discount car insurance rates, click here to view.

How to buy auto insurance online

Getting a cheaper price on 1994 Chevy Suburban insurance can be relatively painless. You just have to spend a few minutes on the computer comparing price quotes provided by online insurance companies. This can be accomplished using a couple different methods.

If you are pressed for time, the simplest way to get the best comparison quotes is to use a rate comparison form (click to open form in new window). This easy form prevents you from having to do separate quotes for every auto insurance company. Taking the time to complete one form gets rate comparisons direct from many companies. Just one form and you’re done.

A more difficult way to find better pricing is spending the time to visit the website of each company to complete their respective quote request forms. For example, let’s say you want to see prices from USAA, Farmers and Travelers. You would be required to spend time on each company’s site to enter the same coverage data repeatedly, which can take a lot of time.

For a handy list of car insurance company links in your area, click here.

The approach you take is up to you, just ensure you’re using apples-to-apples quote data for each comparison quote. If you compare different deductibles you will not be able to determine the best price for your Chevy Suburban.

Smart consumers know how to quote insurance coverage cheaper

A large part of saving on insurance coverage is knowing some of the factors that aid in calculating your premiums. When consumers understand what impacts premium levels, this allows you to make good choices that may reward you with lower rates. Many things are used in the calculation when quoting car insurance. Some factors are common sense such as your driving history, although others are not as apparent like where you live or how financially stable you are.

The following are a few of the “ingredients” that factor into prices.

  • Poor credit can mean higher premiums – Your credit score is a big factor in calculating your premium rate. Therefore, if your credit is lower than you’d like, you could potentially save money when insuring your 1994 Chevrolet Suburban by improving your credit score. Consumers who have good credit tend to be less risk to insure as compared to drivers with poor credit scores.
  • Discounts for married drivers – Getting married can actually save you money on your insurance coverage policy. It means you’re more mature than a single person and statistics show being married results in fewer claims.
  • Stress out and pay more – Jobs like real estate brokerspolice officers and miners are shown to have higher average rates due to intense work-related stress and long work hours. On the other hand, jobs like professors, athletes and retirees get better rates on Suburban insurance.
  • Save by driving less – The more miles you rack up on your Chevy in a year’s time the higher the price you pay to insure it. A lot of insurance companies rate vehicles partially by how you use the vehicle. Cars and trucks that are left in the garage can be on a lower rate level than vehicles that are driven to work every day. Incorrect rating for your Suburban may be costing you higher rates. It’s always a good idea to double check that your policy properly reflects the correct usage, because improper ratings can cost you money.
  • Safer vehicles lower prices – Cars with five star safety ratings cost less to insure. Safer cars reduce injuries and lower rates of occupant injuries translates directly to fewer claims and cheaper rates on your policy.
  • Obey driving laws and save – Being a careful driver impacts premiums far more than you think. Just one chargable violation can increase rates to the point where it’s not affordable. Careful drivers pay lower auto insurance prices compared to bad drivers. Drivers who have gotten license-revoking violations such as reckless driving, hit and run or driving under the influence may find that they have to to submit a SR-22 or proof of financial responsibility with their state in order to prevent a license revocation.
  • Are you male or female? – Over time, data shows that females take fewer risks when driving. The data does not necessarily mean that males are worse at driving than females. Both sexes cause at-fault accidents in similar numbers, but the men tend to have higher claims. In addition to higher claims, males also receive more major tickets like DWI (DUI) or reckless driving.

When to get professional advice

When buying the best auto insurance coverage for your vehicles, there is no best way to insure your cars. Every situation is different.

These are some specific questions may help highlight whether your personal situation might need professional guidance.

  • I don’t drive much so do I pay less?
  • Am I covered if I break a side mirror?
  • Am I covered when driving someone else’s vehicle?
  • Does insurance cover tools stolen from my truck?
  • When should I drop full coverage on my 1994 Chevy Suburban?
  • Is my dog or cat covered if injured in an accident?
  • What is high-risk coverage and where do I buy it?
  • Are split liability limits better than a combined single limit?
  • Is a new car covered when I drive it off the dealer lot?

If you’re not sure about those questions but a few of them apply then you might want to talk to a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, free and you can get the answers you need.

Brand name doesn’t guarantee savings

Consumers can’t get away from all the ads that promise big savings for switching from companies such as State Farm, Geico and Progressive. All the ads make an identical promise about how much you will save if you get a free insurance coverage quote and switch your coverage to them.

How do they all offer you a better deal? This is the trick they use.

Auto insurance companies offer their best rates for the type of driver that will generate a profit. An example of a desirable insured could possibly be between 30 and 50, insures multiple vehicles, and has a short commute. Someone who matches those parameters will probably get cheap car insurance rates and will most likely cut their rates substantially.

Drivers who don’t meet the ideal profile will be charged higher premiums which results in the customer buying from someone else. If you listen closely, the ads state “people who switch” but not “all drivers who get quotes” will save that much if they switch. That’s why insurance companies can make those claims. This really drives home the point why it’s extremely important to compare many company’s rates. It is impossible to guess the company that will fit your personal profile best.

Detailed coverages of your insurance policy

Knowing the specifics of a insurance policy helps when choosing which coverages you need and proper limits and deductibles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.

Liability coverages

Liability insurance protects you from damages or injuries you inflict on people or other property by causing an accident. It protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 25/50/25 which means a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability insurance covers claims like bail bonds, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is your choice, but consider buying as large an amount as possible.

Uninsured and underinsured coverage

This coverage protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your 1994 Chevy Suburban.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive coverages

This will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as hail damage, falling objects and theft. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage

Collision coverage covers damage to your Suburban resulting from colliding with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things like crashing into a ditch, colliding with a tree, scraping a guard rail and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are older. Another option is to choose a higher deductible to save money on collision insurance.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like doctor visits, ambulance fees and hospital visits. They are used to fill the gap from your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Take this to the bank

Some companies may not have rates over the internet and most of the time these smaller providers work with local independent agents. Cheaper 1994 Chevy Suburban insurance is attainable both online and also from your neighborhood agents, and you need to price shop both to have the best selection.

As you prepare to switch companies, make sure you don’t reduce needed coverages to save money. There are too many instances where consumers will sacrifice liability limits or collision coverage to discover at claim time they didn’t purchase enough coverage. Your focus should be to get the best coverage possible at the lowest possible cost.

You just read quite a bit of information on how to lower your 1994 Chevy Suburban insurance prices. The most important thing to understand is the more you quote insurance coverage, the better your comparison will be. You may even discover the most savings is with a company that doesn’t do a lot of advertising.

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