2006 Chevrolet Suburban Car Insurance Rates – 5 Tips to Save

Searching for cheaper insurance rates for your Chevrolet Suburban? Comparing car insurance quotes online might seem complicated at first if you have never taken advantage of quote comparisons online. Don’t worry though because finding affordable coverage online is easier than you think.

The easiest way to get policy rate comparisons is to realize most of the bigger providers provide online access to compare their rates. To begin a comparison, all you need to do is provide information like how many miles driven, if you’re married, what your job is, and if a SR-22 is needed. The rating information is submitted instantly to insurance carriers in your area and they return cost estimate quickly.

If you would like to compare rates now, click here then complete the form.

These five discounts can slash auto insurance rates

Some insurers don’t always publicize all available discounts in an easy-to-find place, so the list below gives a summary of both well-publicized in addition to some of the lesser obvious discounts that you may qualify for.

• College Student Discount – who are attending college and don’t have a car may be insured at a cheaper rate.
• Memberships – Being a member of qualifying employment or professional organizations is a simple method to lower premiums on your policy.
• Good Drivers – Drivers who avoid accidents may save up to 50% more on Suburban coverage than less cautious drivers.
• Military Deployment Discount – Having a family member in the military may qualify for rate reductions.
• More Vehicles More Savings – Buying coverage for primary and secondary vehicles on one policy can reduce the rates for all insured vehicles.

Policy discounts save money, but most credits do not apply to all coverage premiums. The majority will only reduce the cost of specific coverages such as liability, collision or medical payments. Even though it may seem like all the discounts add up to a free policy, that’s just not realistic.

The best auto insurance companies and some of the premium reductions they offer are outlined below.

• American Family may have discounts that include good student, accident-free, early bird, good driver, TimeAway discount, and air bags.
• State Farm offers discounts including student away at school, multiple autos, good driver, Steer Clear safe driver discount, accident-free, driver’s education, and good student.
• 21st Century includes discounts for theft prevention, good student, homeowners, early bird, automatic seat belts, anti-lock brakes, and 55 and older.
• Travelers has savings for student away at school, IntelliDrive, early quote, hybrid/electric vehicle, multi-policy, payment discounts, and continuous insurance.
• Geico policyholders can earn discounts including driver training, membership and employees, seat belt use, multi-policy, defensive driver, emergency military deployment, and daytime running lights.

If you want cheap car insurance quotes, ask all companies you are considering to apply every possible discount. Discounts may not apply to policies everywhere. If you would like to view providers that offer some of these discounts, click here.

When do I need an agent’s advice?

When choosing coverage for your vehicles, there is no cookie cutter policy. Coverage needs to be tailored to your specific needs.

These are some specific questions can help discover whether or not you might need an agent’s assistance.

• Am I covered when driving a rental car?
• Is upholstery damage covered by car insurance?
• Is rental equipment covered for theft or damage?
• Should I bundle my homeowners policy with my auto?
• Which is better, split liability limits or combined limits?
• Can I still get insurance after a DUI?
• Why am I required to buy liability insurance?
• What can I do if my company denied a claim?

If it’s difficult to answer those questions but you know they apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form.

Coverage specifics

Knowing the specifics of insurance helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be difficult to understand and coverage can change by endorsement.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Frequently your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Medical costs insurance

Med pay and PIP coverage reimburse you for short-term medical expenses for doctor visits, prosthetic devices, chiropractic care, surgery and nursing services. They are often used in conjunction with a health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and will also cover getting struck while a pedestrian. Personal Injury Protection is not universally available and may carry a deductible

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage from a wide range of events other than collision. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims like vandalism, hitting a deer and hitting a bird. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for collisions

This pays for damage to your Suburban caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision insurance covers claims such as crashing into a building, hitting a mailbox and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. You can also increase the deductible to get cheaper collision coverage.

Liability coverages

This coverage can cover damages or injuries you inflict on people or other property that is your fault. This insurance protects YOU against claims from other people, and does not provide coverage for your injuries or vehicle damage.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and property damage coverage for $100,000. Some companies may use a combined limit which provides one coverage limit without having the split limit caps.

Liability insurance covers things such as structural damage, loss of income, repair bills for other people’s vehicles, funeral expenses and pain and suffering. How much coverage you buy is up to you, but consider buying as high a limit as you can afford.

Coverage on a shoestring budget

We’ve covered many ideas to save on 2006 Chevy Suburban insurance. It’s most important to understand that the more rate comparisons you have, the better your chances of lowering your rates. You may be surprised to find that the lowest prices come from the smaller companies.

Drivers leave their current company for any number of reasons including questionable increases in premium, high prices, policy non-renewal or even being labeled a high risk driver. Regardless of your reason for switching companies, finding a new company is less work than it seems.

As you go through the steps to switch your coverage, it’s very important that you do not buy poor coverage just to save money. There have been many cases where someone dropped physical damage coverage and learned later that it was a big error on their part. The proper strategy is to find the BEST coverage at the best possible price and still be able to protect your assets.

Additional detailed information can be read by following these links:

• Five Mistakes to Avoid (Insurance Information Insitute)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)
• Understanding Car Crashes Video (iihs.org)
• Auto Insurance Learning Center (State Farm)