How Much Does 2017 Chevrolet Suburban Car Insurance Cost?

Are you at wits end from paying out the nose to make your insurance payment? You have the same problem as millions of other drivers.

Because you have many insurance companies to choose from, it is very difficult to locate the most affordable insurance provider.

Compare auto insurance price quotes

When shopping for auto insurance there are multiple ways to compare rate quotes from lots of auto insurance companies. By far the easiest way to compare rates is to perform an online rate comparison. It’s really quite simple and can be done in a couple minutes as outlined below.

The easiest and least time consuming way to find the lowest comparison rates is to use a rate comparison form like this one (opens in new window). This easy form saves time by eliminating multiple quote forms to each individual auto insurance company. One form gets prices estimates from many national carriers.

A more time consuming way to compare rate quotes is to manually visit the website for every company you want to comare and fill out their own quote form. For example, we’ll assume you want rates from Auto-Owners, Allstate and Liberty Mutual. To get rate quotes you would need to visit each site to enter the same coverage data repeatedly, which can take a lot of time.

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

The most time-consuming way to compare price estimates is physically going to different agent offices. The ability to get quotes online makes this process obsolete unless you want the advice and guidance that can only be provided by a licensed insurance agent. Although, it is possible get prices online but buy the policy through an agent.

The method you choose is up to you, but be certain you are entering equivalent coverage data on every price quote you get. If the quotes have different values for each quote it will be very difficult to determine the best price for your Chevy Suburban. Quoting even small variations in insurance coverages or limits could throw off the whole comparison. Just keep in mind that more quotes will enable you to find the best rates.

Big names are not always cheapest

Big name companies like State Farm and Allstate endlessly run ads on TV and radio. All the ads make the same claim that people will save if you move your coverage. How does every company sell you cheaper insurance coverage? It’s all in how they say it.

Insurance providers have specific guidelines for the type of driver that will add to their bottom line. For instance, this type of driver could possibly be a female over age 40, carries high limits, and drives a safe vehicle. Someone that matches those criteria will qualify for the lowest auto insurance rates and therefore will cut their rates substantially.

Potential customers who fall outside the “perfect” profile will probably have to pay higher rates and the customer not purchasing. The wording the ads use say “drivers who switch” not “everyone that quotes” save that much. This is how insurance companies can confidently make claims that they all have the best rates. That is why drivers must compare rate quotes every year. Because without a comparison, you cannot know with any certainty which company will have the best prices at this point in time.

Chevy Suburban insurance rate factors

Lots of things are part of the equation when you get a price on insurance. Some of the criteria are obvious such as your driving history, but others are less apparent such as whether you are married or how safe your car is.

  • Consider raising deductibles – The deductibles define how much you are willing to pay before a claim is paid by your company. Physical damage protection, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your car. Some coverage claims would be rearending another vehicle, hail damage, and having a roll-over accident. The higher the amount you have to pay, the less your car insurance will be on Suburban coverage.
  • Pay lower costs after the wedding – Walking down the aisle actually saves money when shopping for car insurance. Having a significant other usually means you are more mature than a single person it has been statistically shown that married couples file fewer claims.
  • Liability coverage – A critical coverage on your policy, liability insurance will provide protection if ever you are responsible for personal injury or accident damage. It will provide legal defense coverage to attempt to prove you were not liable. This coverage is very inexpensive compared to comp and collision, so drivers should carry high limits.
  • Good credit equals lower premiums – Having a bad credit history can be an important factor in calculating your premium rate. Drivers who have good credit tend to be better risks to insure as compared to drivers with lower credit ratings. If your credit score could use some work, you could save money insuring your 2017 Chevrolet Suburban by improving your credit score.
  • Car insurance rates and your occupation – Jobs such as military personnelpolice officers and miners generally pay higher rates than the rest of us in part from stressful work requirements and lengthy work days. On the flip side, jobs such as actors, historians and homemakers get better rates on Suburban coverage.
  • Rates for men may be higher – Over the last 50 years, statistics have shown females are less aggressive when driving. However, this does not mean men are worse drivers. Women and men get in at-fault accidents at about the same rate, but guys tend to have higher claims. Not only are claims higher, but men get higher numbers of serious violations like driving under the influence (DUI). Youthful male drivers cause the most accidents so it costs more to insure them.

Double check you’re getting these discounts

Some providers do not advertise all available discounts in a way that’s easy to find, so the below list has both the well known as well as some of the hidden credits available to you.

  • Home Ownership Discount – Simply owning a home can save a few bucks due to the fact that maintaining a home shows financial diligence.
  • Discount for Passive Restraints – Options like air bags can qualify for discounts of 20 to 30 percent.
  • Good Students Pay Less – Being a good student can be rewarded with saving of up to 25%. You can use this discount normally well after school through age 25.
  • Driver’s Education for Students – It’s a good idea to have your young drivers complete a driver education course as it can save substantially.
  • Life Insurance – If the company offers life insurance, you could get a discount if you purchase a life policy as well.
  • More Vehicles More Savings – Drivers who insure multiple cars on the same insurance policy can get a discount on all vehicles.

Remember that many deductions do not apply to the entire policy premium. Most cut individual premiums such as comp or med pay. So when the math indicates all the discounts add up to a free policy, you aren’t that lucky.

To view providers that offer many of these discounts, follow this link.

Special considerations

When it comes to choosing proper insurance coverage for your vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different and your policy should reflect that. These are some specific questions may help you determine if you might need an agent’s assistance.

  • Why am I be forced to buy a membership to get insurance from some companies?
  • Is a blown tire covered by insurance?
  • Should I carry comprehensive and collision coverage?
  • Does my policy cover me when driving someone else’s vehicle?
  • Where can I get insurance after a DUI in my state?
  • Is my babysitter covered when using my vehicle?
  • If I drive on a suspended license am I covered?
  • What is the difference between comprehensive and collision coverage?
  • How much underlying liability do I need for an umbrella policy?

If you can’t answer these questions but one or more may apply to you then you might want to talk to a licensed agent. To find an agent in your area, fill out this quick form or you can also visit this page to select a carrier

Coverage specifics

Understanding the coverages of your policy can help you determine the best coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages offered by car insurance companies.

Medical payments and PIP coverage

Personal Injury Protection (PIP) and medical payments coverage pay for expenses for chiropractic care, hospital visits and rehabilitation expenses. They can be used in conjunction with a health insurance policy or if you lack health insurance entirely. They cover both the driver and occupants as well as getting struck while a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Collision protection

This coverage pays for 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 coverage pays for things such as crashing into a building, hitting a parking meter and damaging your car on a curb. Collision is rather expensive coverage, so you might think about dropping it from lower value vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.

Liability

This coverage protects you from damage that occurs to a person or their property. This coverage protects you from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 50/100/50 that translate to a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability can pay for things like funeral expenses, medical services, repair bills for other people’s vehicles and repair costs for stationary objects. How much liability should you purchase? That is a decision to put some thought into, but consider buying as much as you can afford.

Comprehensive auto coverage

This coverage will pay to fix damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive coverage protects against claims like hitting a bird, a broken windshield, vandalism, rock chips in glass and a tree branch falling on your vehicle. The highest amount a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants as well as damage to your 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.

Be a Smart Shopper

In this article, we covered many tips how you can reduce 2017 Chevy Suburban insurance rates online. The most important thing to understand is the more quotes you get, the better your chances of lowering your car insurance rates. Consumers could even find that the lowest rates come from an unexpected company. These smaller insurers may often insure only within specific states and give getter rates than their larger competitors like GEICO and State Farm.

When trying to cut insurance costs, do not skimp on critical coverages to save a buck or two. Too many times, consumers will sacrifice comprehensive coverage or liability limits and discovered at claim time that a couple dollars of savings turned into a financial nightmare. The goal is to find the BEST coverage at a price you can afford but still have enough coverage for asset protection.

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