1994 Chevrolet Suburban Car Insurance Rates – 6 Tricks for Cheaper Quotes

Want the cheapest auto insurance rates for your Chevrolet Suburban? Paying more affordable rates for auto insurance could be nearly impossible for drivers who are new to comparing prices online. You have so many options available that it can easily be a big hassle to compare rates.

It is always a good idea to do rate comparisons occasionally because insurance prices are constantly changing. Even if you got the best quotes on Suburban insurance at your last renewal you will most likely find a better rate today. Ignore everything you know about auto insurance because you’re about to learn how to quote online to reduce your cost while increasing coverage.

How to get insurance quotes

All the larger insurance companies such as Allstate, GEICO and Progressive make it easy to get insurance quotes on the web. Obtaining pricing is fairly straightforward because it’s just a matter of typing in the coverage amounts you desire as requested by the quote form. After you complete the form, the quote system collects your driving and credit reports and gives you a price quote based on these factors.

Online price estimates makes it simple to compare prices but the process of having to visit a lot of sites and enter the same data into a form can be a bit tiresome and repetitive. But it’s absolutely necessary to have as many quotes as possible if you are searching for the lowest price.

Quote rates the easy way

The preferred way to find better insurance pricing uses one simple form that analyzes rates from more than one company. The form is fast, eliminates form submissions, and makes online price comparison a little more enjoyable. As soon as the form is sent, it gets priced with multiple companies and you can pick your choice of the price quotes you receive.

If you find a better price you can simply submit the application and purchase coverage. The whole process takes just a few minutes to complete and could lower your rates considerably.

To fill out one form to compare multiple rates now, click here to open in a new tab and complete the simple form. If you currently have coverage, we recommend you enter the insurance coverages exactly as they are listed on your policy. Doing this guarantees you will get rate quotes for the exact same coverage.

Tailor your auto insurance coverage to you

When it comes to choosing the best auto insurance coverage, there really is not a perfect coverage plan. Every insured’s situation is different.

For instance, these questions may help highlight if your situation may require specific advice.

  • Do I pay less if my vehicle is kept in my garage?
  • Are split liability limits better than a combined single limit?
  • When can I cancel my policy?
  • Should I buy additional glass protection?
  • How high should deductibles be on a 1994 Chevy Suburban?
  • Am I covered by my employer’s commercial auto policy when driving my personal car for business?
  • Do I need added coverage for expensive stereo equipment?
  • Does having multiple vehicles earn me a discount?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you don’t have a local agent, take a second and complete this form.

Car insurance specifics

Having a good grasp of your car insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. Car insurance terms can be impossible to understand and reading a policy is terribly boring.

Auto collision coverage

This coverage pays for damage to your Suburban resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as sustaining damage from a pot hole, hitting a mailbox, hitting a parking meter, backing into a parked car and scraping a guard rail. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Coverage for medical payments

Med pay and PIP coverage kick in for immediate expenses for ambulance fees, doctor visits, funeral costs, surgery and pain medications. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover getting struck while a pedestrian. PIP is not an option in every state and may carry a deductible

Liability

Liability coverage provides protection from damages or injuries you inflict on a person or their property. Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 50/100/50 which stand for a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Some companies may use one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability insurance covers claims such as court costs, medical services and funeral expenses. The amount of liability coverage you purchase is your choice, but buy higher limits if possible.

Uninsured and underinsured coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Chevy Suburban.

Since many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage should not be overlooked. Most of the time these coverages are identical to your policy’s liability coverage.

Comprehensive coverages

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like a broken windshield, vandalism and hitting a bird. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.