How Much Does 1998 Chevrolet Suburban Car Insurance Cost?

Trying to find the cheapest insurance rates for your Chevrolet Suburban? Sick and tired of sacrificing each month for insurance? You are no different than many other vehicle owners. There are many auto insurance companies to pick from, and although it’s a good thing to have a choice, having more insurance companies makes it harder to find the lowest rates.

Buy car insurance online

Getting low cost 1998 Chevy Suburban car insurance pricing is actually easier than you may think. All you need to do is take time comparing price quotes from some recommended companies. Rate comparisons can be done in a couple of different ways.

One of the fastest ways to compare a lot of rates at once is to use a rate comparison form click here to open form in new window. This style of form saves time by eliminating repetitive form submissions for every prospective company. One simple form gets you coverage quotes from car insurance companies with the best prices.
A more difficult way to find better pricing is going to each company’s website and repeat the quote process again and again. For examples sake, let’s assume you want rates from Progressive, Liberty Mutual and Geico. To get each rate you have to go to each individual site and repeatedly enter your information, which can take a lot of time.
For a handy list of car insurance company links in your area, click here.
The least efficient way to quote and compare insurance rates is to spend time driving to local insurance agencies. Shopping for car insurance online eliminates this option unless you have a complicated situation and need the extra assistance that you can only get from talking to an agent. However, consumers can obtain prices from the web but have your policy serviced through an agent.

Whichever way you choose to compare rates, do your best to use identical coverage information with each company. If you have mixed coverages you will not be able to truly determine the lowest rate.

Insurance can get complicated

When it comes to buying adequate coverage for your vehicles, there really is no single plan that fits everyone. Coverage needs to be tailored to your specific needs so this has to be addressed. These are some specific questions might point out if you might need an agent’s assistance.

What is medical payments coverage?
Do I need motorclub coverage?
Does my policy cover me when driving someone else’s vehicle?
Is my vehicle covered by my employer’s policy when using it for work?
What happens if I owe more than my 1998 Chevy Suburban is worth?
Can I drive in Mexico and have coverage?
Do I pay less for low miles?
Does my policy cover my teen driver if they drive my company car?

If it’s difficult to answer those questions but a few of them apply, you may need to chat with 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. It only takes a few minutes and may give you better protection.

Insurance coverage basics

Understanding the coverages of your policy can be of help when determining the right coverages and proper limits and deductibles. Insurance terms can be difficult to understand and coverage can change by endorsement. Below you’ll find typical coverages found on most insurance policies.

Comprehensive insurance

This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against claims such as fire damage, vandalism and rock chips in glass. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Coverage for uninsured or underinsured drivers

This coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as damage to your 1998 Chevy Suburban.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Coverage for medical expenses

Med pay and PIP coverage reimburse you for immediate expenses like chiropractic care, surgery, pain medications, X-ray expenses and nursing services. The coverages can be utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. PIP is not an option in every state and may carry a deductible

Collision coverage

This coverage pays for damage to your Suburban from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like colliding with another moving vehicle, driving through your garage door, colliding with a tree, damaging your car on a curb and sustaining damage from a pot hole. Collision is rather expensive coverage, so you might think about dropping it from older vehicles. You can also increase the deductible to save money on collision insurance.

Liability coverage

Liability coverage will cover damage or injury you incur to people or other property that is your fault. It protects you from claims by other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show values of 50/100/50 which stand for a $50,000 limit per person for injuries, a total of $100,000 of bodily injury coverage per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things such as loss of income, bail bonds, attorney fees, medical services and court costs. How much liability should you purchase? That is a decision to put some thought into, but you should buy as much as you can afford.