Cheap 1997 Chevrolet Suburban Car Insurance Rates

Drivers have many options when trying to find affordable Chevy Suburban insurance. They can either waste time contacting agents getting price quotes or utilize the internet to find the lowest rates.

There is a better way to compare auto insurance rates and you need to know the quickest way to price shop coverage for your Chevy and obtain the best price possible from local insurance agents and online providers.

You should make it a habit to price shop coverage before your next renewal because auto insurance rates are variable and change quite frequently. If you had the best premium rates on Suburban coverage two years ago the chances are good that you can find a lower price today. You can find a lot of wrong information about auto insurance on the internet, but in just a couple of minutes you can learn some excellent ideas to buy auto insurance cheaper.

This information will help educate you on how to effectively get price quotes and some tips to save money. If you currently have car insurance, you will be able to cut costs considerably using this information. Drivers just need to understand the proper way to compare price quotes on the web.

How much is insurance?

Getting a cheap price on 1997 Chevy Suburban insurance can be quick and easy. All that’s required is to invest a little time to get quotes to see which company has the cheapest insurance quotes. Insurance prices can be quoted in several different ways.

One of the best ways to find the lowest comparison rates would be an industry-wide quote request form (click to open form in new window). This style of form prevents you from having to do separate quotes for each company you want a rate for. A single, simple form will get you rate comparisons direct from many companies.It’s the quickest way to get rates.

A slightly less efficient method to find better pricing is to take the time to go to each company’s website and complete a new quote form. For instance, let’s say you want to compare rates from Nationwide, Farmers and GMAC. To get rate quotes you would need to visit each site and punch in your information repeatedly, which can get rather old. For a list of links to insurance companies in your area, click here.

You can use whichever method you prefer to find lower rates, just make darn sure you compare the exact same information on every quote you get. If you compare different data it will be very difficult to find the best deal for your Chevy Suburban.

Don’t miss with these discounts

Buying insurance coverage is not cheap, but you might already qualify for some discounts that may help make it more affordable. Certain discounts will be triggered automatically when you purchase, but lesser-known reductions have to be requested specifically before they will apply.

• Sign Online – A handful of larger companies will discount your bill up to fifty bucks shop insurance on the internet.
• Federal Government Employee – Federal government employees could cut as much as 10% off on Suburban coverage but check with your company.
• Accident Forgiveness Coverage – This isn’t a discount exactly, but a handful of insurance companies will turn a blind eye to one accident without getting socked with a rate hike if your claims history is clear for a certain period of time.
• Passenger Safety Discount – Factory options such as air bags or automatic seat belts may qualify for discounts up to 30%.
• College Student – Kids who are attending college and won’t have access to an insured vehicle could get you a discount.
• Good Student – A discount for being a good student may save as much as 25% on a insurance quote. Earning this discount can benefit you up to age 25.

As is typical with insurance, most of the big mark downs will not be given to the overall cost of the policy. Some only apply to the cost of specific coverages such as liability and collision coverage. Despite the fact that it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business.

Insurance companies that may include many of the previously listed discounts include:

• Progressive
• Farmers Insurance
• Farm Bureau
• State Farm
• Geico
• SAFECO
• Liberty Mutual

When getting free insurance quotes, it’s a good idea to each company or agent how you can save money. Discounts may not apply to policyholders in your area. To locate companies who offer insurance coverage discounts, click here.

Your situation helps dictate your coverage

When it comes to buying coverage, there isn’t really a “perfect” insurance plan. Coverage needs to be tailored to your specific needs.

For instance, these questions may help highlight if your insurance needs would benefit from professional advice.

• How high should my medical payments coverage be?
• What should my uninsured motorist coverage limits be in my state?
• Should I carry comprehensive and collision coverage?
• Does insurance cover damages from a DUI accident?
• Do I have coverage for damage caused while driving under the influence?
• Am I covered if I wreck a rental car?
• Should I have combined single limit or split liability limits?
• Does coverage extend to Mexico or Canada?
• Is my nanny covered when driving my vehicle?
• Do I really need UM/UIM coverage?

If you can’t answer these questions, you may need to chat with an agent. To find an agent in your area, fill out this quick form. It’s fast, free and may give you better protection.

Specific coverages for a Chevy Suburban

Learning about specific coverages of car insurance can help you determine the best coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries as well as damage to your Chevy Suburban.

Due to the fact that many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these coverages are similar to your liability insurance amounts.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for doctor visits, pain medications and chiropractic care. They are often used to cover expenses not covered by your health insurance program or if you do not have health coverage. Coverage applies to both the driver and occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states and may carry a deductible

Collision insurance

This covers damage to your Suburban resulting from colliding with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a mailbox, scraping a guard rail, colliding with a tree, backing into a parked car and damaging your car on a curb. This coverage can be expensive, so consider dropping it from vehicles that are 8 years or older. Another option is to raise the deductible in order to get cheaper collision rates.

Liability coverages

Liability coverage provides protection from damage that occurs to other people or property in an accident. It protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 that means you have a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability coverage pays for claims such as bail bonds, structural damage, repair bills for other people’s vehicles and repair costs for stationary objects. The amount of liability coverage you purchase is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive coverage

Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like hitting a deer, theft, a broken windshield, hail damage and falling objects. The highest amount a car insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.