1997 Chevrolet Suburban Insurance Quotes – 10 Ways to Save

Want lower car insurance rates for your Chevrolet Suburban? Are you kicking yourself for buying high-priced car insurance? Don’t feel bad because there are many people just like you.

Due to the abundance of choices of insurance companies, it can be impossible to find the most cost effective car insurance company.

The purpose of this post is to introduce you to the most effective way to quote insurance. If you are paying for car insurance now, you will most likely be able to save some money using this strategy. But car owners must understand the way companies price online insurance.

Which insurance coverage is cheapest?

There are several ways to compare insurance coverage prices but some are less labor-intensive and much quicker. You can spend your afternoon talking about coverages with insurance companies in your area, or you could save time and use the internet to accomplish the same thing much quicker.

All the larger companies belong to an insurance system that allows shoppers to enter their coverage request one time, and every company provides a quote based on the submitted data. This saves time by eliminating form submissions for each company. To participate in this free quote system, click to open in new window.

The one downside to doing it this way is you don’t know exactly which insurance companies to receive prices from. If you prefer to choose specific providers to compare, we have a listing of low cost insurance coverage companies in your area. View list of insurance companies.

It doesn’t matter which method you choose, just double check that you are using nearly identical information with every price quote. If you enter mixed coverages it’s impossible to decipher which rate is best. Even a minor difference in insurance coverages or limits can result in a big premium difference. And when quoting insurance coverage, remember that more quotes helps improve the odds of finding a lower rate than you’re paying now.

Don’t assume everyone needs the same auto insurance coverage

When it comes to buying proper insurance coverage for your vehicles, there really is not a “best” method to buy coverage. Each situation is unique so your insurance needs to address that. These are some specific questions can aid in determining if your situation may require specific advice.

• What vehicles should carry emergency assistance coverage?
• Is my camper covered by my car insurance policy?
• When should I buy a commercial auto policy?
• Am I covered if I wreck a rental car?
• How can I force my company to pay a claim?
• What is the ISO rating for a 1997 Chevy Suburban?
• Should I buy full coverage?
• Do I need medical payments coverage since I have good health insurance?
• Am I covered if my car is in a flood?
• Am I covered when delivering products for my home-based business?

If you can’t answer these questions but you know they 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 or you can go here for a list of companies in your area.

Auto insurance coverage options for a 1997 Chevy Suburban

Understanding the coverages of auto insurance helps when choosing the best coverages and the correct deductibles and limits. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages available from auto insurance companies.

Collision coverage – Collision coverage covers damage to your Suburban resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like crashing into a building, hitting a mailbox, damaging your car on a curb, crashing into a ditch and hitting a parking meter. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to increase the deductible in order to get cheaper collision rates.

Coverage for medical expenses – Medical payments and Personal Injury Protection insurance reimburse you for expenses for things like pain medications, hospital visits and prosthetic devices. They can be used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. It covers both the driver and occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – This coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries as well as damage to your Chevy Suburban.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are set the same as your liablity limits.

Comprehensive auto insurance – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against claims such as hitting a deer, damage from a tornado or hurricane and damage from flooding. The maximum payout your auto insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Liability car insurance – This coverage can cover damages or injuries you inflict on other’s property or people in an accident. It protects you against other people’s claims. It does not 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. As an example, you may have liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, $50,000 for the entire accident, and $25,000 of coverage for damaged propery. Another option is a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage pays for things like medical services, legal defense fees, emergency aid and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but buy as large an amount as possible.