View 1996 Chevrolet Suburban Insurance Rates

Having to pay for expensive Chevrolet Suburban insurance can draw down your budget and force you to prioritize other expenses. Shopping your coverage around is a great way to lower your monthly bill.

Many insurers vie for your insurance dollar, and because of this it can be hard to compare car insurance companies to discover the definitive best price available.

It’s smart to do rate comparisons occasionally because insurance prices tend to go up over time. Even if you think you had the best deal for Suburban insurance a couple years back there may be better deals available now. Forget anything you know (or think you know) about insurance because you’re about to learn the fastest way to properly buy coverages while reducing your premium.

If you are paying for car insurance now, you will be able to cut costs considerably using these techniques. Finding affordable coverage is not rocket science. But car owners must understand how the larger insurance companies price insurance differently because it can help you find the best coverage.

Compare insurance rates

There are several ways to compare rate quotes from many different insurance companies. The best method to compare 1996 Chevy Suburban insurance prices is to jump online and get quotes. It is quite easy and can be accomplished in just a few minutes using one of these methods.

The most efficient way consumers can analyze rates is to use a rate comparison form click here to open form in new window. This method saves time by eliminating boring form submissions for each company. One form will return price quotes from several companies.
A more difficult way to get quotes online consists of going to the website for every company you want to comare to complete a price quote. For instance, let’s say you are doing a rate comparison from Allstate, Farmers and GEICO. To do that, you would have to visit each site and repeatedly enter your information, which is why first method is reommended.
For a list of companies in your area, click here.

The approach you take is up to you, just ensure you’re using apples-to-apples coverages with every price quote. If you enter higher or lower deductibles it will be very difficult to get a fair rate comparison. Just slight variations in coverages may result in large price differences. It’s important to know that getting more free quotes helps you find lower pricing.

Drivers save money with these money-saving discounts

Some companies do not list every discount in a way that’s easy to find, so we break down some of the best known and also the more inconspicuous discounts that may be available. If you aren’t receiving every discount available, you could be paying more than you need to.

Theft Deterent System – Cars, trucks, and SUVs optioned with advanced anti-theft systems prevent vehicle theft and can earn a small discount on your policy.
Responsible Drivers – Drivers without accidents can get discounts for up to 45% lower rates for Suburban insurance compared to accident prone drivers.
Savings for New Vehicles – Putting car insurance coverage on a new car can be considerably cheaper due to better safety requirements for newer models.
Own a Home and Save – Owning a home may trigger a policy discount on car insurance because of the fact that having a home is proof that your finances are in order.
Auto/Life Discount – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy a life policy as well.
Discount for Good Grades – Excelling in school can save 20 to 25%. Earning this discount can benefit you up to age 25.

Discounts reduce rates, but you should keep in mind that some credits don’t apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like all the discounts add up to a free policy, you aren’t that lucky.

Popular car insurance companies and a selection of discounts are detailed below.

21st Century offers premium reductions for driver training, air bags, student driver, automatic seat belts, theft prevention, early bird, and 55 and older.
Progressive has discounts for multi-vehicle, good student, online quote discount, continuous coverage, and multi-policy.
State Farm may include discounts for defensive driving training, driver’s education, anti-theft, student away at school, multiple autos, good student, and accident-free.
Nationwide may offer discounts for Farm Bureau membership, easy pay, family plan, good student, and accident-free.
Esurance may have discounts that include Switch & Save, safety device, good student, Pac-12 alumni, and anti-theft.
The Hartford discounts include air bag, vehicle fuel type, bundle, good student, driver training, defensive driver, and anti-theft.

Before purchasing a policy, check with each company or agent to apply every possible discount. Some credits may not apply in your area.

Do I need special coverages?

When choosing coverage for your vehicles, there really is no perfect coverage plan. Everyone’s situation is unique and your policy should reflect that. These are some specific questions may help you determine whether you might need professional guidance.

Do I need an umbrella policy?
Does liability extend to a camper or trailer?
When does my teenage driver need to be added to my policy?
Do I pay less if my vehicle is kept in my garage?
Am I covered if I crash into my own garage door?
Can I drive in Mexico and have coverage?
When would I need additional glass coverage?
Can I rent a car in Mexico?
Should I have a commercial auto policy?
Which is better, split liability limits or combined limits?

If you don’t know the answers to 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, complete this form or you can go here for a list of companies in your area.

Detailed coverages of your auto insurance policy

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 confusing and coverage can change by endorsement. Listed below are the normal coverages found on the average auto insurance policy.

Coverage for medical payments

Med pay and PIP coverage reimburse you for expenses such as chiropractic care, rehabilitation expenses, hospital visits and doctor visits. They are often used to cover expenses not covered by your health insurance plan or if you are not covered by health insurance. Coverage applies to you and your occupants in addition to getting struck while a pedestrian. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Comprehensive coverages

This pays for damage from a wide range of events other than collision. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things like damage from getting keyed, fire damage, falling objects and damage from flooding. The maximum payout a auto insurance company will pay at claim time 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.

Liability auto insurance

Liability coverage can cover damage or injury you incur to other people or property by causing an accident. This insurance protects YOU against claims from other people. It does not cover damage to your own property or vehicle.

Coverage consists of three different limits, 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 which stand for $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and $25,000 of coverage for damaged propery.

Liability coverage pays for things like attorney fees, emergency aid and medical expenses. How much coverage you buy is a personal decision, but consider buying as much as you can afford.

Auto collision coverage

This covers damage to your Suburban from colliding with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, driving through your garage door, colliding with another moving vehicle, sideswiping another vehicle and rolling your car. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to raise the deductible to bring the cost down.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they do not carry enough liability coverage. Covered losses include hospital bills for your injuries and also any damage incurred to your 1996 Chevy Suburban.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is very important.