2014 Chevrolet Suburban Car Insurance Rates

Trying to find cheaper car insurance rates for your Chevrolet Suburban? No sane person anticipates paying for car insurance, particularly when they are paying too much.

Due to the large number of insurance companies to choose from, it’s difficult to find a lower cost car insurance provider.

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Take these ten policy discounts and save

Insurance is not an enjoyable expense, but there are discounts available that many consumers don’t even know exist. Larger premium reductions will be automatically applied at the time of quoting, but a few must be requested specifically prior to receiving the credit.

Student Discounts – This discount may save you up to 25%. The good student discount can last up until you turn 25.
Life Insurance – Not all companies offer life insurance, but some may give you a discount if you purchase some life insurance too.
Passenger Safety Discount – Options like air bags or automatic seat belts can get savings as much as 30%.
Seat Belts Save – Buckling up and requiring all passengers to use their safety belts may be able to save a few bucks off the personal injury premium cost.
No Claims – Insureds with no claims or accidents can save substantially when compared to bad drivers.
Pay Upfront and Save – By paying your entire bill at once rather than paying in monthly installments you can avoid monthly service charges.
Discounts for Government Workers – Active or former government employment may reduce rates when you quote insurance coverage on Suburban coverage with certain companies.
Defensive Driving Course – Taking a course teaching defensive driver skills can save you 5% or more and make you a better driver.
New Car Discount – Insuring a new car can cost up to 25% less compared to insuring an older model.
Active Service Discounts – Having a deployed family member can result in better rates.

We need to note that some credits don’t apply to the entire cost. Most only cut the cost of specific coverages such as medical payments or collision. Despite the fact that it seems like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business.

Companies and a summarized list of policyholder discounts can be read below.

Progressive offers premium reductions for continuous coverage, online signing, multi-policy, good student, multi-vehicle, and homeowner.
The Hartford may include discounts for vehicle fuel type, good student, bundle, air bag, anti-theft, defensive driver, and driver training.
Mercury Insurance discounts include ease of repair, location of vehicle, professional/association, annual mileage, and age of vehicle.
GEICO has discounts for driver training, air bags, daytime running lights, military active duty, good student, anti-theft, and emergency military deployment.
AAA has savings for good driver, anti-theft, pay-in-full, multi-car, education and occupation, good student, and multi-policy.
State Farm may have discounts that include passive restraint, anti-theft, safe vehicle, defensive driving training, and multiple autos.

When getting free insurance coverage quotes, it’s a good idea to each insurance company how you can save money. Depending on the company, some discounts might not be offered on policies in your area. To find providers that provide some of the discounts listed above, click here.

But they said I’d save $470 a year!

State Farm, GEICO and Progressive seem to constantly run ads on TV and radio. All the ads make the point that drivers can save some big amount after switching your policy. It sounds good, but how can they all charge less that you’re paying now? Here is how they do it.

All companies look for specific characteristics for the type of customer they prefer to insure. For instance, a desirable insured may need to be over age 30, has no claims, and drives less than 5,000 miles a year. Any new insured who fits that profile is entitled to the best price and will most likely save when they switch companies.

Insureds who don’t meet this ideal profile must pay higher premiums which translates to business going elsewhere. If you listen closely, the ads state “drivers who switch” but not “all drivers who get quotes” can get the lowest rates when switching. That’s the way companies can truthfully make those statements. Because of these techniques, you really need to quote coverage with many companies. It’s just not possible to know the company that will have the lowest premium rates for your situation.

Which policy gives me the best coverage?

When it comes to buying proper insurance coverage, there is no “best” method to buy coverage. Coverage needs to be tailored to your specific needs so this has to be addressed. For instance, these questions may help you determine whether or not you could use an agent’s help.

Why am I required to buy liability insurance?
Should I rate my 2014 Chevy Suburban as pleasure use or commute?
Why do I need rental car insurance?
Should I file a claim if it’s only slightly more than my deductible?
What is roadside assistance coverage?
How do I buy GAP insurance?

If you don’t know the answers to these questions then you might want to talk to an insurance agent. If you don’t have a local agent, simply complete this short form or go to this page to view a list of companies.

Insurance coverages explained

Having a good grasp of your policy aids in choosing appropriate coverage for your vehicles. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Below you’ll find typical coverages offered by insurance companies.

Comprehensive coverages

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

Comprehensive coverage pays for things like a broken windshield, a tree branch falling on your vehicle and damage from flooding. The most you can receive from a comprehensive claim is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Auto collision coverage

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 protects against things such as crashing into a building, sustaining damage from a pot hole and damaging your car on a curb. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Uninsured and underinsured coverage

This protects you and your vehicle’s occupants from other motorists when they are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants as well as damage to your Chevy Suburban.

Because many people carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.

Coverage for medical payments

Coverage for medical payments and/or PIP pay for short-term medical expenses for things like surgery, ambulance fees and hospital visits. They are often used in conjunction with a health insurance plan or if you lack health insurance entirely. They cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability

Liability insurance protects you from damages or injuries you inflict on a person or their property that is your fault. Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You commonly see liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and a total limit of $25,000 for damage to vehicles and property.

Liability insurance covers claims like medical services, medical expenses, pain and suffering, attorney fees and funeral expenses. How much coverage you buy is a personal decision, but buy as high a limit as you can afford.

Do the work, save more money

When searching for inexpensive insurance coverage quotes, it’s a bad idea to buy less coverage just to save a little money. Too many times, someone dropped collision coverage only to find out that it was a big error on their part. Your goal should be to buy enough coverage at the best cost but still have enough coverage for asset protection.

We’ve covered many ideas to get a better price on 2014 Chevy Suburban insurance. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. Drivers may discover the best price on insurance is with the least-expected company. Smaller companies may have significantly lower car insurance rates on certain market segments than their larger competitors like State Farm or Progressive.

Additional insurance information is available on the following sites: