View 2013 Chevrolet Suburban Insurance Cost

Consumers have many options when looking for low-cost Chevy Suburban insurance. They can either spend hours driving around trying to get quotes or utilize the internet to make rate comparisons. There is a better way to buy insurance so you’re going to learn the absolute fastest way to price shop coverage for a new or used Chevy and obtain the lowest price from local insurance agents and online providers.

It’s a great practice to shop coverage around before your policy renews because insurance prices are variable and change quite frequently. Just because you had the lowest price for Suburban insurance two years ago you can probably find a lower rate today. Block out anything you think you know about insurance because you’re about to learn the fastest and easiest way to lower your annual insurance bill.

Car insurance policy discounts

Car insurance is not cheap, but there are discounts available to cut the cost considerably. Some trigger automatically at the time of purchase, but once in a while a discount must be specially asked for before being credited.

  • Distant Student – College-age children who are enrolled in higher education away from home without a vehicle on campus could get you a discount.
  • Drive Safe and Save – Drivers who don’t get into accidents could pay up to 40% less for Suburban insurance compared to rates paid by drivers with frequent claims.
  • Good Student – Getting good grades can save 20 to 25%. The good student discount can last well after school through age 25.
  • Savings for New Vehicles – Buying a new car model can save up to 30% because new vehicles are generally safer.
  • Service Members Pay Less – Being on active deployment in the military could qualify you for better prices.
  • Claim-Free Discount – Claim-free drivers get the best car insurance rates in comparison with accident-prone drivers.
  • Policy Bundle Discount – If you can bundle your auto and homeowners insurance with the same insurance company you could earn a discount of up to 20% off your total premium.

A little disclaimer on discounts, most discounts do not apply to all coverage premiums. Most only cut the cost of specific coverages such as comprehensive or collision. Even though it appears it’s possible to get free car insurance, companies wouldn’t make money that way. But all discounts will help reduce your policy premiums.

Large car insurance companies and the discounts they provide can be read below.

  • Progressive includes discounts for online quote discount, good student, online signing, multi-vehicle, multi-policy, continuous coverage, and homeowner.
  • Farmers Insurance has discounts for good student, multi-car, early shopping, bundle discounts, alternative fuel, and mature driver.
  • Farm Bureau offers discounts including multi-policy, multi-vehicle, 55 and retired, renewal discount, safe driver, and youthful driver.
  • State Farm offers premium reductions for Steer Clear safe driver discount, anti-theft, good driver, multiple autos, accident-free, and student away at school.
  • GEICO discounts include multi-vehicle, federal employee, good student, multi-policy, anti-lock brakes, daytime running lights, and defensive driver.
  • SAFECO policyholders can earn discounts including drive less, teen safe driver, multi-car, anti-lock brakes, and anti-theft.
  • Liberty Mutual offers discounts for multi-car, new vehicle discount, teen driver discount, good student, exclusive group savings, hybrid vehicle, and new graduate.

If you need inexpensive insurance coverage quotes, ask all companies you are considering which discounts can lower your rates. Some discounts may not be available in every state.

How do I know if I need professional advice?

When choosing the right insurance coverage, there isn’t really a best way to insure your cars. Everyone’s needs are different.

Here are some questions about coverages that might point out whether your personal situation will benefit from professional help.

  • How much liability insurance is required?
  • If my pet gets injured in an accident are they covered?
  • Should I rate my 2013 Chevy Suburban as pleasure use or commute?
  • Am I better off with higher deductibles on my 2013 Chevy Suburban?
  • What is an SR-22 filing?
  • What are the financial responsibility laws in my state?
  • Does my personal policy cover me when driving out-of-state?

If it’s difficult to answer those questions but a few of them apply then you might want to talk to an agent. If you want to speak to an agent in your area, take a second and complete this form. It’s fast, free and can help protect your family.

The ad said I’d save $385 a year!

Drivers can’t get away from ads that claim the cheapest premium rates from the likes of Progressive, GEICO, Allstate and State Farm. All the companies seem to make the promise that you can save just by switching to them.

How does every company claim to save you money?

Most companies can use profiling for the driver that will most likely be profitable. For example, a driver they prefer might be described as between 25 and 40, has other policies, and chooses high deductibles. Anyone that fits those parameters may get the lowest auto insurance rates and most likely will save if they switch.

Potential customers who don’t measure up to this ideal profile will be charged higher premium rates and ends up with the customer not buying. If you pay attention, the ads say “drivers who switch” not “everyone that quotes” can save as much as they claim. This is how insurance companies can lure you into getting a quote. This really illustrates why drivers should get insurance coverage quotes as often as possible. Because without a comparison, you cannot know which insurance companies will give you lower premium rates than your current company.

Coverages available on your policy

Learning about specific coverages of your insurance policy helps when choosing the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement.

Coverage for liability – Liability coverage can cover damages or injuries you inflict on a person or their property. This coverage protects you against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and $25,000 of coverage for damaged propery.

Liability can pay for things like attorney fees, court costs, medical services, loss of income and bail bonds. How much liability should you purchase? That is your choice, but you should buy higher limits if possible.

Uninsured or underinsured coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive protection – This pays for damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as damage from a tornado or hurricane, falling objects, a broken windshield, damage from flooding and hail damage. The maximum amount your insurance company will pay is the market value of your vehicle, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for expenses for rehabilitation expenses, prosthetic devices, surgery, nursing services and EMT expenses. They are used to cover expenses not covered by your health insurance program or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and also covers being hit by a car walking across the street. PIP is not available in all states but it provides additional coverages not offered by medical payments coverage

Collision coverages – Collision insurance pays for damage to your Suburban caused by collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for things such as scraping a guard rail, driving through your garage door and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Compare but don’t skimp

While you’re price shopping online, don’t be tempted to buy less coverage just to save a little money. In many instances, an insured cut uninsured motorist or liability limits only to find out that they should have had better coverage. The aim is to buy enough coverage at an affordable rate, but do not skimp to save money.

People leave their current company for a number of reasons such as being labeled a high risk driver, poor customer service, delays in paying claims or even not issuing a premium refund. It doesn’t matter why you want to switch choosing a new company is less work than it seems.

We’ve covered many ways to get a better price on 2013 Chevy Suburban insurance. The key thing to remember is the more times you quote, the better your chances of lowering your premium rates. You may even find the most savings is with the least-expected company.

More detailed insurance information is available in the articles below: