1998 GMC Suburban Insurance Quotes – 6 Tips to Save

Looking for cheaper auto insurance rates? Shoppers have a choice when shopping for the lowest priced GMC Suburban insurance. You can either spend your time calling around to compare prices or use the internet to compare rates. There is a right way and a wrong way to shop for auto insurance and we’ll show you the proper way to quote coverages on a GMC and find the lowest possible price.

How to buy insurance coverage online

Many insurance companies make it easy to get insurance quotes on their websites. Getting online quotes is pretty easy as all you need to do is type in your required coverages into the quote form. When complete, their system will order credit information and your driving record and quotes a price determined by many factors.

Quoting online streamlines rate comparisons, but the time required to go to many different websites and type in the same data gets old quite quickly. But it’s very important to do this in order to get the lowest possible prices on insurance coverage.

The easiest way to lower your insurance coverage bill uses one simple form that obtains quotes from several different companies. It’s a real time-saver, reduces the work, and makes online price comparison much simpler. After sending your information, it is rated with multiple companies and you can pick any or none of the returned quotes. If a lower price is quoted, it’s easy to complete the application and buy the policy. The entire process only takes a few minutes and may save quite a bit of money.

If you want to find out how much you’re overpaying now, click here to open in a new tab and enter your information. If you have your current policy handy, we recommend you input coverages and limits just like they are on your policy. This guarantees you will have comparison quotes using the same coverage and limits.

Lower rate quotes with these six discounts

Some companies don’t always advertise all possible discounts in an easy-to-find place, so below is a list a few of the more common in addition to some of the lesser obvious discounts that you may qualify for. If they aren’t giving you every credit possible, you are throwing money away.

  • Homeowners Savings – Owning a home may trigger a policy discount on insurance because it shows financial diligence.
  • E-sign Discounts – A handful of insurance companies will provide an incentive just for signing your application on your computer.
  • First Accident Forgiveness – Not necessarily a discount, but some insurance companies will forgive one accident without raising rates if you have no claims for a specific time period.
  • Government Employees – Employees or retirees of the government can save as much as 8% on Suburban insurance depending on your insurance provider.
  • Early Switch Discount – A few insurance companies allow discounts for switching to them before your current policy expires. Ten percent is about the average savings.
  • Senior Discount – If you’re over the age of 55, you are able to get a discount up to 10% on Suburban insurance.

While discounts sound great, it’s important to understand that most credits do not apply to your bottom line cost. The majority will only reduce the cost of specific coverages such as liability and collision coverage. So even though they make it sound like all those discounts means the company will pay you, insurance companies aren’t that generous.

A list of insurance companies and some of the discounts are:

  • Farm Bureau may offer discounts for driver training, good student, multi-policy, renewal discount, and 55 and retired.
  • Liberty Mutual offers premium reductions for multi-car, exclusive group savings, new move discount, new vehicle discount, new graduate, safety features, and newly married.
  • State Farm includes discounts for anti-theft, multiple autos, multiple policy, accident-free, driver’s education, Drive Safe & Save, and passive restraint.
  • Auto-Owners Insurance discounts include safe vehicle, student away at school, multiple vehicles, anti-lock brakes, paperless, and good student.
  • GEICO offers discounts including multi-policy, five-year accident-free, membership and employees, military active duty, air bags, and good student.
  • SAFECO may have discounts that include safe driver, multi-car, homeowner, teen safety rewards, and anti-theft.

When getting free insurance quotes, it’s a good idea to all the companies how you can save money. Some discounts listed above may not apply in your state. If you would like to view insurers who offer discounts, click here to view.

Insurance can be complex

When it comes to buying the best insurance coverage for your personal vehicles, there isn’t really a cookie cutter policy. Every situation is different.

For example, these questions may help you determine whether your personal situation will benefit from professional help.

  • Am I covered if I drive in a foreign country?
  • What can I do if my company denied a claim?
  • Are there companies who specialize in insuring high-risk drivers?
  • Can I afford to pay high deductible claims out of pocket?
  • Does my insurance cover damage caused when ticketed for reckless driving?
  • Do I need PIP (personal injury protection) coverage in my state?
  • How can I get my company to pay me more for my totalled car?

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, simply complete this short form. It’s fast, free and can help protect your family.

Insurance coverage advertising gotchas

Drivers can’t get away from ads that promise big savings for switching by companies like Allstate and Progressive. They all seem to advertise the message about how much you will save just by moving your insurance coverage coverage to their company.

How does each company give you a lower rate? It’s all in how they say it.

All the different companies have a certain “appetite” for the type of driver that earns them the most money. For example, this type of driver may need to be a married female, is a homeowner, and drives a safe vehicle. A customer getting a price quote who fits those characteristics will probably get the lowest premium rates and will save when switching.

Insureds who are not a match for these criteria will see higher prices and ends up with the customer buying from a different company. The ad wording is “customers who switch” not “everybody who quotes” can get the lowest rates when switching. That is how insurance companies can make it sound like they have such great car insurance rates. This illustrates why drivers must compare as many free insurance quotes as you can. It’s just too difficult to predict which company will provide you with the cheapest rates.

Car insurance 101

Having a good grasp of your policy helps when choosing the right coverages for your vehicles. Insurance terms can be impossible to understand and reading a policy is terribly boring.

Coverage for liability

This protects you from damage or injury you incur to people or other property. This coverage protects you against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 25/50/25 which stand for a $25,000 limit per person for injuries, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for things such as emergency aid, funeral expenses, loss of income and medical services. How much coverage you buy is a decision to put some thought into, but consider buying as high a limit as you can afford.

Comprehensive auto coverage

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive insurance covers things like hitting a bird, a broken windshield, damage from getting keyed, rock chips in glass and hail damage. The maximum amount a 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.

Coverage for collisions

This coverage covers damage to your Suburban resulting from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as colliding with another moving vehicle, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are 8 years or older. Another option is to increase the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family and also any damage incurred to your GMC 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.

Medical payments and PIP coverage

Med pay and PIP coverage pay for bills like funeral costs, surgery, doctor visits and chiropractic care. They are used to fill the gap from your health insurance policy or if you are not covered by health insurance. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Find Good Coverage for Less

When trying to cut insurance costs, you should never buy poor coverage just to save money. There are too many instances where someone sacrificed liability coverage limits only to regret at claim time that the few dollars in savings costed them thousands. The goal is to buy a smart amount of coverage at the best cost, but do not skimp to save money.

Low-cost 1998 GMC Suburban insurance can be found on the web and from local agencies, and you should compare rates from both in order to have the best price selection to choose from. Some insurance companies may not provide the ability to get a quote online and many times these regional carriers only sell coverage through independent agents.

We just covered quite a bit of information on how to shop for 1998 GMC Suburban insurance online. It’s most important to understand that the more companies you get prices for, the better chance you’ll have of finding cheaper insurance. You may be surprised to find that the biggest savings come from a small local company.

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