Lower Your 1998 Chevrolet Suburban Insurance Quotes

There isn’t a single person who anticipates paying for car insurance, in particular when the price is too high. Numerous insurance companies battle for your business, and it can be difficult to compare rates to find the lowest rate

If you are insured now or are looking for a new policy, you will benefit by learning to find better prices while maintaining coverages. Choosing the best insurance company for you is quite easy. Drivers only need to know how to compare rates online.

Chevy Suburban insurance premium factors

One of the most helpful ways to save on auto insurance is to to have a grasp of some of the elements that go into determining the price you pay for auto insurance. If you know what positively or negatively impacts your premiums, this enables you to make decisions that could help you find better auto insurance rates. Many different elements are considered when you get your auto insurance bill. Some are obvious such as traffic violations, but other factors are not as apparent such as whether you are married or how safe your car is.

The itemized list below are a partial list of the pieces auto insurance companies consider when setting your prices.

  • When should you file a policy claims? – Insurance companies give discounts to people who file claims infrequently. If you tend to file frequent claims, you can look forward to either a policy non-renewal or much higher rates. Your car insurance is intended for claims that you cannot pay yourself.
  • Gender is a factor – Over the last 30 years, statistics show that men are more aggressive behind the wheel. However, this does not mean females are better drivers. Both genders cause auto accidents in similar percentages, but the male of the species have costlier accidents. Not only are claims higher, but men receive more costly citations like DWI (DUI) or reckless driving. Young men ages 16 to 20 cause the most accidents so they pay the highest premiums.
  • Bad driving means higher costs – Being a careful driver has a huge affect on how much you pay. Only having one driving citation can bump up the cost by as much as twenty percent. Good drivers tend to pay less for car insurance compared to drivers with tickets. Drivers who have received severe violations like 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 motor vehicle department in order to legally drive a vehicle.
  • Maintain auto insurance coverage – Driving any period of time without insurance can get your license suspended and auto insurance companies will penalize you for letting your insurance lapse for non-payment. And not only will your rates increase, not being able to provide proof of insurance may result in fines or a revoked license.

How to compare auto insurance price quotes

There are several ways to compare auto insurance prices but one way is less labor-intensive and much quicker. You could spend your day driving to agents in your area, or you could use online quoting to get rate comparisons in just a few minutes.

Most of the larger companies belong to an insurance system where insurance shoppers only type in their quote data once, and at least one company then gives them pricing for coverage. This system prevents you from having to do form submissions to each individual auto insurance company. To compare pricing click here to start a free quote.

The only downside to comparing rates this way is you are unable to specify the providers you will receive quotes from. If you would rather choose from a list of companies to compare prices, we have a page of companies who write auto insurance in your area. Click to view list.

The approach you take is up to you, just ensure you are comparing the exact same coverage data on every price quote you get. If you compare different liability limits then you won’t be able to get a fair rate comparison.

Get lower-cost insurance coverage with discounts

Some companies don’t always list every discount in an easy-to-find place, so the list below contains both well-publicized and also the lesser-known credits available to lower your premiums when you buy insurance online.

  • Policy Bundle Discount – If you have multiple policies and place coverage with the same company you may save 10% to 20% off each policy.
  • Senior Discount – Seniors may be able to get a small discount on rates for Suburban insurance.
  • No Accidents – Claim-free drivers pay less when compared with accident-prone drivers.
  • Theft Deterent – Anti-theft and alarm system equipped vehicles prevent vehicle theft and qualify for as much as a 10% discount.
  • Air Bags and Passive Restraints – Factory air bags or automatic seat belts can qualify for discounts of 25 to 30%.
  • Government Employee Discount – Active or retired federal employment could cut as much as 10% off for Suburban insurance with a few insurance coverage companies.
  • Own a Home – Owning a house may trigger a policy discount on insurance coverage because it shows financial diligence.
  • Memberships – Having an affiliation with a civic or occupational organization could earn you a nice discount on your policy.
  • Smart Student Discounts – This discount can get you a discount of up to 25%. Most companies allow this discount until age 25.
  • Safe Drivers – Drivers who don’t get into accidents can save up to 40% or more on their insurance quote for Suburban insurance than drivers with accident claims.

Drivers should understand that most of the big mark downs will not be given to all coverage premiums. Most only cut individual premiums such as collision or personal injury protection. So when it seems like you can get free auto insurance, it’s just not the way it works. Any amount of discount will lower your policy premium.

A few of the larger companies and some of their more popular discounts can be read below.

  • Progressive has savings for multi-policy, continuous coverage, online quote discount, homeowner, online signing, multi-vehicle, and good student.
  • SAFECO offers discounts for accident prevention training, multi-car, safe driver, anti-theft, bundle discounts, and teen safe driver.
  • American Family discounts include air bags, Steer into Savings, good student, mySafetyValet, multi-vehicle, and defensive driver.
  • MetLife offers discounts including accident-free, good student, good driver, claim-free, defensive driver, multi-policy
  • GEICO has discounts for membership and employees, driver training, federal employee, emergency military deployment, seat belt use, military active duty, and daytime running lights.
  • The Hartford may offer discounts for air bag, vehicle fuel type, good student, defensive driver, and anti-theft.

When getting a coverage quote, ask each company or agent which discounts can lower your rates. Depending on the company, some discounts may not apply in your area.

Tailor your insurance coverage to you

When choosing the best insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so your insurance needs to address that. Here are some questions about coverages that may help highlight if you could use an agent’s help.

  • Do I really need UM/UIM coverage?
  • Do I need higher collision deductibles?
  • What are the financial responsibility laws in my state?
  • Why do I need rental car insurance?
  • If my 1998 Chevy Suburban is totaled, can I afford another vehicle?
  • I have a DUI can I still get coverage?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. To find an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can help protect your family.

Car insurance coverages for a 1998 Chevy Suburban

Understanding the coverages of your car insurance policy helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. These are the normal coverages available from car insurance companies.

Auto collision coverage

Collision insurance pays for damage to your Suburban caused by collision with a stationary object or other vehicle. You will need to pay your deductible and then insurance will cover the remainder.

Collision insurance covers claims such as backing into a parked car, hitting a mailbox, hitting a parking meter and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses for ambulance fees, EMT expenses, nursing services, hospital visits and dental work. They are often used to fill the gap from your health insurance program or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not an option in every state and gives slightly broader coverage than med pay

Comprehensive car insurance

This coverage pays for damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims like rock chips in glass, damage from getting keyed, fire damage, vandalism and damage from a tornado or hurricane. The highest amount you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for uninsured or underinsured drivers

This protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Suburban.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important.

Auto liability

Liability coverage will cover damage or injury you incur to a person or their property in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as court costs, structural damage and emergency aid. The amount of liability coverage you purchase is up to you, but you should buy as much as you can afford.

Quote more, save more

We covered quite a bit of information on how to shop for 1998 Chevy Suburban insurance online. The key thing to remember is the more times you quote, the more likely it is that you will get a better rate. Consumers could even find that the most savings is with a small local company. These smaller insurers may cover specific market segments cheaper as compared to the big name companies such as Allstate or State Farm.

When shopping online for insurance coverage, it’s a bad idea to buy lower coverage limits just to save a few bucks. In many instances, someone dropped comprehensive coverage or liability limits and found out when filing a claim that it was a big error on their part. The goal is to find the BEST coverage for the lowest cost, but do not sacrifice coverage to save money.

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