1999 GMC Suburban Insurance Rates

Trying to find the cheapest insurance coverage rates for your GMC Suburban? Searching for the cheapest insurance for a GMC Suburban can turn out to be a lot of work, but you can learn these tips to make it easier.

There are more efficient ways to compare insurance coverage rates so we’re going to tell you the proper way to price shop coverage for a GMC and get the best price possible from both online companies and local agents.

Take advantage of every car insurance discount

Properly insuring your vehicles can get expensive, but you may be missing some discounts that may help make it more affordable. Many discounts should be triggered at quote time, but some may not be applied and must be inquired about prior to getting the savings.

• Discounts for Seat Belt Usage – Forcing all vehicle occupants to wear their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
• Discounts for Federal Employees – Employees or retirees of the government may reduce rates when you quote insurance coverage on Suburban insurance but check with your company.
• Accident Forgiveness Coverage – This isn’t a discount exactly, but companies like Allstate and Geico will turn a blind eye to one accident before your rates go up so long as you are claim-free for a particular time prior to the accident.
• Save with More Vehicles Insured – Drivers who insure multiple cars with the same company qualifies for this discount.
• Theft Deterent Discount – Cars and trucks with anti-theft systems prevent vehicle theft and will save you 10% or more.

Discounts save money, but please remember that many deductions do not apply to the entire cost. The majority will only reduce specific coverage prices like collision or personal injury protection. So even though you would think it’s possible to get free car insurance, car insurance companies aren’t that generous.

Some companies that may include these discounts include:

• Farmers Insurance
• State Farm
• Liberty Mutual
• MetLife
• Progressive

Before you buy a policy, ask every insurance company how you can save money. Depending on the company, some discounts might not apply in your state. To view providers that offer many of these discounts, click this link.

How to know if you need help

When choosing the best car insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is a little different.

For instance, these questions can aid in determining if you could use an agent’s help.

• Why am I required to buy liability insurance?
• Do I really need UM/UIM coverage?
• What discounts do I qualify for?
• Are my tools covered if they get stolen from my vehicle?
• Am I insured when driving a different vehicle?
• When should I buy a commercial auto policy?
• Do I need PIP coverage since I have good health insurance?

If you can’t answer these questions, you might consider talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and can provide invaluable advice.

What insurance coverages do you need?

Knowing the specifics of your policy helps when choosing which coverages you need for your vehicles. The coverage terms in a policy can be impossible to understand and even agents have difficulty translating policy wording.

Comprehensive coverages – Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like a broken windshield, damage from a tornado or hurricane, theft and falling objects. The maximum payout your insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Coverage for medical payments – Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills for things like dental work, EMT expenses, nursing services, chiropractic care and hospital visits. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Coverage for liability – This coverage protects you from damages or injuries you inflict on a person or their property by causing an accident. It protects you against other people’s claims. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You might see values of 100/300/100 that translate to a limit of $100,000 per injured person, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which combines the three limits into one amount rather than limiting it on a per person basis.

Liability coverage pays for claims like attorney fees, medical expenses, funeral expenses, structural damage and pain and suffering. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy higher limits if possible.

Uninsured and underinsured coverage – Your UM/UIM coverage protects you and your vehicle from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries sustained by your vehicle’s occupants and also any damage incurred to your GMC Suburban.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. So UM/UIM coverage is important protection for you and your family. Most of the time the UM/UIM limits are similar to your liability insurance amounts.

Collision coverages – This coverage pays for damage to your Suburban resulting from colliding with an object or car. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as scraping a guard rail, crashing into a ditch and crashing into a building. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to choose a higher deductible to get cheaper collision coverage.

Better coverage you can count on

We’ve covered a lot of techniques to compare 1999 GMC Suburban insurance rates online. The key concept to understand is the more rate quotes you have, the better your chances of lowering your car insurance rates. You may even find the lowest rates are with a small local company.

Drivers who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, questionable increases in premium, lack of trust in their agent and policy cancellation. No matter why you want to switch, switching insurance coverage companies is easier than you think.

When getting insurance coverage quotes online, it’s very important that you do not skimp on coverage in order to save money. There have been many cases where drivers have reduced collision coverage only to discover later that the small savings ended up costing them much more. The goal is to purchase plenty of coverage at an affordable rate, not the least amount of coverage.

Even more information can be read by following these links:

• Understanding Car Crashes Video (iihs.org)
• Parking Tips to Reduce Door Dings (State Farm)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Determing Auto Insurance Rates (Geico)