2002 Chevrolet Suburban Car Insurance Quotes

Want better auto insurance rates? Drivers have lots of choices when trying to find affordable Chevy Suburban insurance. You can either spend your time struggling with agents to compare prices or save time using the internet to find the lowest rates. There is a better way to shop for auto insurance and you need to know the best way to get price quotes for your Chevy and locate the lowest possible price from local insurance agents and online providers.

It’s a great practice to do price comparisons before your next renewal because prices go up and down regularly. Just because you found the lowest quotes on Suburban insurance a few years ago you can probably find a better rate now. Don’t believe everything you read about auto insurance online, but you can learn a bunch of ideas how to lower your auto insurance bill.

Compare quotes for insurance

Cutting your insurance rates is surprisingly easy. The only thing you need to do is take a couple of minutes comparing price quotes to discover which company has inexpensive auto insurance quotes. Price comparisons can be done 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 eliminates the need for separate quotes to each individual insurance company. In just a few minutes this one form will return quotes from multiple companies. This is perfect if you don’t have a lot of time.

A different way to analyze rates consists of visiting each company website and go through the quote process again. For examples sake, let’s assume you need rates from Progressive, State Farm and Allstate. You would need to go to each individual site and punch in your information repeatedly, which can get rather old.

To view a list of companies in your area, click here.

You can choose any of those ways to find more affodable coverage, but make sure you compare equivalent quote information on every quote. If you are comparing unequal deductibles or liability limits then you won’t be able to determine the lowest rate for your Chevy Suburban.

Slick advertising tricks that work

Drivers can’t escape the ads for cheaper car insurance by 21st Century, Allstate and State Farm. They all seem to seem to make the promise that people will save after switching to their company.

It sounds good, but how can they all lower your auto insurance rates? It’s all in the words they use.

Different companies require specific criteria for the type of customer that makes them money. For example, a profitable risk profile might be described as between 30 and 50, carries full coverage, and chooses high deductibles. A customer who fits that profile will probably get the lowest prices and will also cut their rates substantially.

Potential insureds who are not a match for those standards will see higher premium rates and this results in the customer not buying. Company advertisements say “people that switch” but not “all drivers who get quotes” save money. That’s why companies can state the savings. This really drives home the point why drivers should get auto insurance quotes as often as possible. It’s impossible to know which insurance companies will fit you best based on your risk profile.

Components of your Chevy Suburban insurance premiums

An important part of buying insurance is that you know some of the things that go into determining your premiums. When consumers understand what impacts premium levels, this allows you to make good choices that could help you find much lower annual insurance costs.

  • Guys are more aggressive – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that women are better drivers. Men and women cause accidents at about the same rate, but men cause more damage. Not only are claims higher, but men receive more major tickets such as DWI and reckless driving.
  • Do you have a stressful employer? – Did you know your career choice can influence rates? Occupational choices like real estate brokers, architects and miners tend to pay the highest average rates attributed to high stress levels and lots of time spent away from family. On the flip side, occupations like professors, engineers and the unemployed pay the least on Suburban insurance.
  • Do you have enough liability? – The liability coverage on your policy will afford coverage if ever a court rules you are at fault for an accident. It provides legal defense which can be incredibly expensive. It is affordable coverage compared to other policy coverages, so insureds should have plenty of protection for their assets.
  • Where you live can impact rates – Choosing to live in small towns and rural areas is a good thing when talking about insurance. Less people means less chance of accidents in addition to lower liability claims Drivers who live in large cities tend to have more traffic problems and more severe claims. More time commuting can result in more accidents.
  • With age comes lower rates – Older people are more responsible, tend to file fewer claims and receive fewer citations.Youthful drivers are proven to be less responsible when behind the wheel so they pay higher insurance rates.
  • Filing insurance claims can increase rates – Companies generally give the best rates to drivers who do not file claims often. If you’re an insured who likes to file claims you can expect higher rates. Your car insurance is intended for more catestrophic claims.
  • Bundle and save – Some companies will award lower prices to people who consolidate policies with them, otherwise known as a multi-policy discount. This can amount to five, ten or even twenty percent. Even if you qualify for this discount already, it’s still a good idea to get quotes from other companies to confirm you are receiving the best rates possible.

Car Insurance Discounts

Car insurance is not an enjoyable expense, but there could be available discounts to help bring down the price. A few discounts will be applied when you complete an application, but occassionally some discounts must be specially asked for prior to getting the savings.

  • Theft Deterent System – Vehicles equipped with tracking devices and advanced anti-theft systems prevent vehicle theft and will qualify for a discount on a auto insurance quote.
  • Discount for Life Insurance – Not all car insurance companies offer life insurance, but some may give you a lower premium rate if you buy auto and life insurance together.
  • Multiple Cars – Buying a policy with multiple vehicles on one policy can reduce the rates for all insured vehicles.
  • Pay Now and Pay Less – If paying your policy premium upfront as opposed to paying monthly you could save 5% or more.
  • Discount for Good Grades – Getting good grades could provide a savings of up to 20% or more. Many companies even apply the discount to college students until age 25.
  • Save over 55 – Drivers over the age of 55 may qualify for a small decrease in premiums on Suburban insurance.
  • Defensive Driver Discount – Successfully completing a course in driver safety could earn you a small percentage discount depending on where you live.
  • Paper-free Discount – Some of the larger companies will give a small break for signing up online.

Discounts reduce rates, but you should keep in mind that most credits do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like adding up those discounts means a free policy, you’re out of luck.

Popular car insurance companies and some of their more popular discounts are:

  • GEICO discounts include military active duty, good student, daytime running lights, air bags, and seat belt use.
  • MetLife offers discounts for defensive driver, accident-free, good driver, good student, claim-free, multi-policy
  • Progressive may include discounts for multi-policy, continuous coverage, online signing, homeowner, online quote discount, and good student.
  • Travelers policyholders can earn discounts including driver training, save driver, early quote, hybrid/electric vehicle, multi-car, and continuous insurance.
  • SAFECO offers premium reductions for accident prevention training, safe driver, teen safe driver, teen safety rewards, homeowner, multi-car, and drive less.
  • AAA may have discounts that include good student, anti-theft, multi-policy, multi-car, AAA membership discount, and good driver.

If you need affordable auto insurance quotes, ask every company which discounts you may be entitled to. Some of the earlier mentioned discounts might not apply in your area.

Tailor your insurance coverage to you

When buying the right insurance coverage for your vehicles, there is no best way to insure your cars. Every insured’s situation is different.

These are some specific questions can aid in determining whether or not you might need an agent’s assistance.

  • Do I pay less if my vehicle is kept in my garage?
  • Are my friends covered when driving my 2002 Chevy Suburban?
  • Do I have coverage for damage caused while driving under the influence?
  • Does insurance cover tools stolen from my truck?
  • What is covered by UM/UIM coverage?
  • Which companies will insure high-risk drivers?

If you can’t answer these questions, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form. It’s fast, free and may give you better protection.

Specifics of your auto insurance policy

Understanding the coverages of your policy can help you determine which coverages you need at the best deductibles and correct limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring.

Uninsured Motorist or Underinsured Motorist insurance

This provides protection from other drivers when they either have no liability insurance or not enough. Covered claims include injuries to you and your family as well as damage to your Chevy Suburban.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance pay for expenses for things like dental work, ambulance fees and funeral costs. They are utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability

This provides protection from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU against claims from other people. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000.

Liability coverage pays for things such as legal defense fees, funeral expenses, emergency aid and medical services. How much coverage you buy is up to you, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as damage from getting keyed, fire damage and damage from a tornado or hurricane. The maximum payout you’ll receive from a claim is the cash value of the vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Collision protection

Collision coverage will pay to fix damage to your Suburban caused by collision with another car or object. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things such as scraping a guard rail, rolling your car, hitting a mailbox and crashing into a building. 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. Another option is to bump up the deductible to bring the cost down.

Quote more. Save more.

Consumers switch companies for many reasons like high prices, an unsatisfactory settlement offer, poor customer service and even questionable increases in premium. It doesn’t matter why you want to switch finding a new company is pretty easy and you might even save some money in the process.

Budget-friendly insurance is attainable both online as well as from insurance agents, so get free auto insurance quotes from both of them to have the best selection. Some companies do not provide price quotes online and most of the time these regional insurance providers sell through independent agencies.

As you restructure your insurance plan, never buy less coverage just to save a little money. There have been many situations where consumers will sacrifice collision coverage only to find out that it was a big error on their part. The ultimate goal is to buy the best coverage you can find for the lowest price, not the least amount of coverage.

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