Lower Your 2004 Chevrolet Suburban Car Insurance Quotes

Shoppers have options when shopping for the lowest priced Chevy Suburban insurance. They can either waste time contacting agents trying to get quotes or leverage the internet to compare rates. There are more efficient ways to buy insurance and we’ll show you the quickest way to get price quotes on a Chevy and get the best price possible from both online companies and local agents.

Buying car insurance is easy if you know what you’re doing. If you are paying for car insurance now, you will be able to lower your premiums substantially using these techniques. Drivers just need to learn the proper methods to compare company rates online.

The quickest method to compare policy rates is to know most insurance companies participate in a system to provide you with a free rate quote. The only thing you need to do is provide the companies a bit of rating information including what you do for a living, if you went to college, driver details, and the year, make and model of vehicles. Your insurance information is sent automatically to many highly-rated insurers and you should receive rate quotes instantly.

Take advantage of these money-saving discounts

Insurance coverage is not cheap nor is it fun to buy but there could be available discounts that many people don’t even know exist. Many of these discounts will be applied automatically when you complete an application, but occassionally some discounts must be asked for prior to receiving the credit.

Passive Restraint Discount – Options like air bags or automatic seat belts may get savings of up to 25% or more.
Telematics Discount – Drivers that enable driving data collection to monitor their driving habits by using a telematic data system such as Allstate’s Drivewise and State Farm’s In-Drive system might get better premium rates if they have good driving habits.
Multiple Policy Discount – If you can bundle your auto and homeowners insurance with one company they may give you a discount of up to 20% off your total premium.
New Vehicle Savings – Buying a new car model can be considerably cheaper because new vehicles are generally safer.
Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discount if you purchase a life insurance policy as well.
Drivers Ed for Students – It’s a good idea to have your young drivers enroll and complete driver’s education as it will make them better drivers and lower rates.
College Student Discount – Kids who are enrolled in higher education away from home and don’t have a car may be insured at a cheaper rate.

Discounts lower rates, but most of the big mark downs will not be given to the entire policy premium. Some only apply to the cost of specific coverages such as comp or med pay. Despite the appearance that all the discounts add up to a free policy, insurance companies wouldn’t stay in business.

A list of companies and a selection of discounts can be read below.

Progressive offers discounts for multi-vehicle, continuous coverage, multi-policy, online quote discount, good student, homeowner, and online signing.
The Hartford may offer discounts for vehicle fuel type, bundle, driver training, anti-theft, defensive driver, and air bag.
Mercury Insurance has discounts for annual mileage, type of vehicle, low natural disaster claims, location of vehicle, ease of repair, multi-policy, and good student.
GEICO has savings for daytime running lights, multi-vehicle, seat belt use, driver training, and anti-theft.
AAA may include discounts for education and occupation, multi-car, AAA membership discount, anti-theft, pay-in-full, good student, and good driver.
State Farm offers premium reductions for accident-free, defensive driving training, Steer Clear safe driver discount, multiple policy, driver’s education, anti-theft, and safe vehicle.

If you need cheaper insurance quotes, ask every prospective company what discounts are available to you. Savings may not apply to policies in your area. To find companies that offer discounts, click here to view.

Do I need special coverages?

When choosing adequate coverage, there really is not a “best” method to buy coverage. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight whether your personal situation could use an agent’s help.

What is high-risk coverage and where do I buy it?
Is my dog or cat covered if injured in an accident?
Am I covered by my employer’s commercial auto policy when driving my personal car for business?
If I drive on a suspended license am I covered?
When would I need additional glass coverage?
What is medical payments coverage?
Am I covered when using my vehicle for business?
Am I covered if I crash into my own garage door?
Can I still get insurance after a DUI?

If you can’t answer these questions but you think they might apply to your situation, you may need to chat with a licensed agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and may give you better protection.

Specific coverages for a 2004 Chevy Suburban

Knowing the specifics of car insurance can help you determine the best coverages at the best deductibles and correct limits. The terms used in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverage (or Other than Collision)

Comprehensive insurance coverage will pay to fix damage from a wide range of events other than collision. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as a tree branch falling on your vehicle, falling objects, hitting a deer and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Insurance for medical payments

Med pay and PIP coverage reimburse you for short-term medical expenses such as doctor visits, pain medications and X-ray expenses. They are used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover all vehicle occupants as well as any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability coverage

Liability coverage provides protection from damage or injury you incur to people or other property by causing an accident. This insurance protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have limits of 50/100/50 which means a limit of $50,000 per injured person, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property.

Liability coverage pays for things like emergency aid, pain and suffering, funeral expenses and repair bills for other people’s vehicles. How much liability coverage do you need? That is up to you, but you should buy as large an amount as possible.

Collision coverage

Collision insurance will pay to fix damage to your Suburban caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as crashing into a ditch, damaging your car on a curb and hitting a mailbox. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to get cheaper collision coverage.

Uninsured Motorist or Underinsured Motorist insurance

This gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include medical payments for you and your occupants and also any damage incurred to your 2004 Chevy Suburban.

Because many people have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.