2006 Chevrolet Suburban Car Insurance Rates – 5 Ways to Save

Looking for lower insurance coverage rates for your Chevrolet Suburban? Finding low-cost insurance for a Chevy Suburban can turn out to be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to compare insurance coverage rates and we’ll show you the proper way to compare rates on a Chevy and obtain the best price possible.

Buying car insurance is not rocket science. If you are insured now or are shopping for new coverage, you can follow these tips to get lower rates while maintaining coverages. Vehicle owners just need to learn the proper way to compare rates online.

Compare free insurance quotes

Lowering your 2006 Chevy Suburban insurance rates is actually easier than you may think. All you need to do is spend a few minutes on the computer getting comparison quotes online with multiple companies. This can easily be done by using one of the methods below.

  • The first (and easiest) way to get the best comparison quotes is an all-inclusive rate comparison click to view form in new window. This type of form prevents you from having to do repetitive form submissions for each company you want a rate for. One form submission gets coverage cost estimates from insurance companies with the best prices.It’s the quickest way to get rates.
  • A more time consuming way to find better pricing is going to the website of each company and repeat the quote process. For sake of this example, we’ll assume you want to view quotes from Farmers, Esurance and GEICO. In order to compare rates, you need to spend time going to each site individually and repeatedly enter your information, which can be really labor intensive.

    For a list of links to companies insuring cars in your area, click here.

  • If you have time to kill, the last way to compare rates is to waste gas driving to insurance agencies in your area. The ability to get quotes online eliminates the need for an insurance agent unless you require the professional abilities that can only be provided by a licensed insurance agent. Although, it is possible compare online quotes but buy from a local insurance agent.

You can choose any of those ways to find more affodable coverage, but be sure you’re using equivalent coverage limits on every quote you get. If you compare different liability limits it’s not possible to determine the lowest rate for your Chevy Suburban.

Auto insurance rates and discounts

Companies don’t necessarily list all disounts in a way that’s easy to find, so we researched both the well known as well as some of the hidden discounts that you may qualify for.

  • ABS and Traction Control Discounts – Vehicles with ABS and/or traction control prevent accidents and qualify for as much as a 10% discount.
  • Air Bags and Passive Restraints – Factory options such as air bags may qualify for discounts of up to 25% or more.
  • No Claims – Good drivers with no accidents are rewarded with significantly better rates on insurance quote when compared with policyholders that have many claims.
  • Telematics Data Discounts – Insureds that choose to allow driving data submission to track where and when they drive by using a telematics device in their vehicle such as Allstate’s Drivewise and State Farm’s In-Drive system could possibly reduce rates if they show good driving skills.
  • Organization Discounts – Affiliation with specific professional or occupational memberships or organizations could trigger savings on auto insurance.

Don’t be shocked that many deductions do not apply to the entire cost. Some only reduce specific coverage prices like liability, collision or medical payments. So even though they make it sound like it’s possible to get free car insurance, companies wouldn’t make money that way.

If you would like to choose from a list of providers that offer some of these discounts, click this link.

Situations that may require an agent’s advice

When choosing the best car insurance coverage, there really is not a perfect coverage plan. Every situation is different.

For instance, these questions might point out if you may require specific advice.

  • Are rental cars covered under my policy?
  • Is upholstery damage covered by car insurance?
  • Will my rates increase for filing one claim?
  • Do I have coverage when pulling a U-Haul trailer?
  • Are my tools covered if they get stolen from my vehicle?
  • Does my policy pay for OEM or aftermarket parts?
  • Which is better, split liability limits or combined limits?
  • Does my 2006 Chevy Suburban need full coverage?
  • Does coverage extend to my business vehicle?
  • How high should my uninsured/underinsured coverage be in my state?

If you don’t know the answers to these questions but one or more may apply to you then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Auto insurance 101

Having a good grasp of your policy aids in choosing appropriate coverage for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.

Liability – Liability insurance can cover damage that occurs to other people or property. It consists of three limits, bodily injury per person, bodily injury per accident and property damage. You might see values of 25/50/25 which stand for $25,000 bodily injury coverage, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like attorney fees, court costs and structural damage. How much coverage you buy is a decision to put some thought into, but you should buy as much as you can afford.

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and damage to your Chevy Suburban.

Since a lot of drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. So UM/UIM coverage is important protection for you and your family.

Collision coverage – This coverage will pay to fix damage to your Suburban from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as hitting a parking meter, hitting a mailbox and colliding with a tree. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Comprehensive coverage – This pays for damage from a wide range of events other than collision. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims such as vandalism, a tree branch falling on your vehicle and fire damage. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for expenses for dental work, rehabilitation expenses and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants as well as if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Get your money’s worth

As you shop your coverage around, it’s a bad idea to skimp on critical coverages to save a buck or two. There have been many cases where an insured dropped collision coverage and discovered at claim time that saving that couple of dollars actually costed them tens of thousands. Your aim should be to get the best coverage possible at the best possible price.

Consumers change insurance companies for a variety of reasons including extreme rates for teen drivers, lack of trust in their agent, high prices and even delays in responding to claim requests. Regardless of your reason for switching companies, choosing a new insurance company is pretty easy and you might even save some money in the process.

The cheapest 2006 Chevy Suburban insurance can be bought from both online companies and with local insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some auto insurance companies do not provide rates over the internet and usually these smaller providers only sell through local independent agents.

More detailed auto insurance information can be found in the articles below: