2013 Chevrolet Suburban Insurance Cost

Buyers have many options when searching for the best price on Chevy Suburban insurance. You can either spend your time contacting agents getting price quotes or utilize the internet to make rate comparisons.

There is a right way and a wrong way to find car insurance online so we’re going to tell you the quickest way to get price quotes for a new or used Chevy and obtain the lowest possible price.

It’s a good habit to check car insurance prices as often as possible because car insurance prices are rarely the same from one policy term to another. Just because you had the best deal on Suburban insurance last year other companies may now be cheaper. Ignore everything you know about car insurance because we’re going to show you the right way to find lower rates on car insurance.

This article will tell you the best way to quote coverages and some money-saving tips. If you currently have a car insurance policy, you will most likely be able to save some money using these tips. Drivers just need to understand the most effective way to find the lowest price online.

Insurance coverage policy discounts

Insurance coverage is not inexpensive, but you may qualify for discounts that you may not know about. Some discounts will apply at the time you complete a quote, but a few must be inquired about before being credited.

  • Homeowners Discount – Being a homeowner can get you a discount because it requires personal responsibility.
  • Renewal Discounts – Some insurance companies give discounts for buying a new policy before your current coverage expires. It can save you around 10%.
  • Smart Student Discounts – Performing well in school can save 20 to 25%. Many companies even apply the discount to college students up until you turn 25.
  • Multiple Policy Discount – When you combine your home and auto insurance and insure them with the same company you will save nearly 15% which can help you find cheap insurance.
  • Discounts for Safe Drivers – Accident-free drivers may receive a discount up to 45% on Suburban insurance compared to rates paid by drivers with frequent claims.
  • Early Payment Discounts – By making one initial payment instead of monthly or quarterly installments you could save up to 5%.
  • Professional Memberships – Having an affiliation with qualifying clubs or civic groups could trigger savings on your next renewal.
  • Telematics Data Discounts – Policyholders that allow driving data submission to analyze driving manner remotely such as Allstate’s Drivewise and State Farm’s In-Drive system might see lower rates as long as they are good drivers.

Consumers should know that most discounts do not apply to all coverage premiums. A few only apply to the price of certain insurance coverages like medical payments or collision. So when it seems like all the discounts add up to a free policy, you’re out of luck.

Auto insurance companies that may offer quotes with some of the discounts shown above include:

Before buying, ask every company which discounts can lower your rates. Some discounts may not apply in your state. If you would like to choose from a list of insurance coverage companies that offer the discounts shown above, click this link.

Chevy Suburban insurance cost factors

Consumers need to have an understanding of the different types of things that help calculate your policy premiums. When consumers understand what controls the rates you pay, this enables you to make decisions that can help you get cheaper rates. Many factors are used in the calculation when quoting car insurance. Some are pretty understandable such as traffic violations, although some other factors are not quite as obvious such as your marital status or your vehicle rating.

  • Responsible drivers pay the best premiums – Careful drivers tend to pay less for car insurance as compared to those with violations. Even a single speeding ticket or other violation can boost insurance rates by as much as twenty percent. Drivers with severe tickets such as reckless driving, hit and run or driving under the influence may be required to file a proof of financial responsibility form (SR-22) with their state’s department of motor vehicles in order to legally drive.
  • Be proud to be claim-free – If you’re an insured who likes to file claims you shouldn’t be surprised to get increased rates or even have your policy non-renewed. Car insurance companies provide discounts to policyholders who are not frequent claim filers. Your car insurance is designed for the large, substantial claims.
  • What’s your car’s NHTSA crash test rating? – Vehicles that have high safety ratings get lower rates. The safest vehicles reduce occupant injuries and lower rates of occupant injuries means lower claim amounts which can mean better rates for you. If your Chevy is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may cost less to insure.
  • Women pay lower rates – Statistics demonstrate women tend to be less risk to insure than men. This data doesn’t prove that females are better drivers. Women and men cause accidents in similar numbers, but the men tend to have more serious accidents. Not only that, but men also get more serious tickets such as driving while intoxicated (DWI) or driving recklessly. Teenage male drivers tend to get in the most accidents and therefore pay the highest rates.
  • How much liability coverage – Liability coverage will provide protection in the event that you are found to be at fault for causing damage or personal injury in an accident. Liability insurance provides you with a defense in court which can cost a lot. Liability is cheap as compared to coverage for physical damage, so do not skimp.

How do I know if I need professional advice?

When it comes to choosing coverage, there really is not a single plan that fits everyone. Each situation is unique.

Here are some questions about coverages that might point out if your situation could use an agent’s help.

  • What is the minimum liability in my state?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Why am I required to buy liability insurance?
  • What is roadside assistance coverage?
  • Who is covered by my policy?
  • Am I covered when driving in Canada or Mexico?
  • How can I get my company to pay me more for my totalled car?
  • Do I need more liability coverage?

If you’re not sure about those questions then you might want to talk to an insurance agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Understanding the coverages of auto insurance helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Liability auto insurance – This coverage will cover injuries or damage you cause to a person or their property by causing an accident. This coverage protects you against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

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 liability limits of 25/50/25 that translate to a limit of $25,000 per injured person, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims such as loss of income, structural damage, medical services, legal defense fees and emergency aid. How much liability coverage do you need? That is your choice, but it’s cheap coverage so purchase as high a limit as you can afford.

Comprehensive protection – This pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, theft, damage from flooding, damage from getting keyed and damage from a tornado or hurricane. The maximum payout your auto insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Suburban.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical expense coverage – Coverage for medical payments and/or PIP pay for immediate expenses for surgery, ambulance fees, dental work, pain medications and hospital visits. They are often used to cover expenses not covered by your health insurance program or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Collision coverages – This coverage pays for damage to your Suburban caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as hitting a parking meter, colliding with another moving vehicle, crashing into a building and sustaining damage from a pot hole. Collision is rather expensive coverage, so consider removing coverage from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

A fool and his money are soon parted

Consumers who switch companies do it for a variety of reasons including delays in paying claims, questionable increases in premium, not issuing a premium refund and denial of a claim. It doesn’t matter what your reason, finding a new insurance company is not as hard as you think.

We just showed you a lot of techniques to shop for 2013 Chevy Suburban insurance online. The key concept to understand is the more price quotes you have, the more likely it is that you will get a better rate. Consumers could even find that the best rates are with some of the lesser-known companies.

Lower-priced insurance is available on the web and from local insurance agents, and you should be comparing both to have the best rate selection. Some insurance companies may not offer online quoting and most of the time these small, regional companies work with independent agents.

Additional information