1990 GMC Suburban Car Insurance Rates – 5 Savings Tips

Are you burned out from not being able to afford each month for auto insurance? Your situation is no different than many other consumers.

Online insurance companies like State Farm, Progressive and Geico persitently shower you with TV and radio ads and it is challenging if not impossible to see past the corporate glitz and take the time to shop coverage around.

It’s important to take a look at other company’s rates quite often because prices tend to go up over time. Just because you found the best quotes on Suburban insurance last year the chances are good that you can find a lower rate today. Don’t believe everything you read about auto insurance out there, but I’m going to show you some good information on how to reduce your auto insurance bill.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using this strategy. Finding affordable coverage is quite easy. But car owners should learn how the larger insurance companies compete online.

Shop car insurance online

There are a variety of methods to shop for car insurance, and some are less time-consuming than others. You could waste a few hours discussing policy coverages with agents in your area, or you could use the web to get the quickest rates.

The majority of car insurance companies take part in a program that enables customers to submit their information once, and each company provides a quote determined by their information. This saves time by eliminating quote forms to every company.

To compare rates using this form now click here to open in new window.

The only downside to pricing coverage this way is buyers cannot specifically choose the insurers you want pricing from. If you would rather choose specific providers to receive pricing from, we put together a list of low cost car insurance companies in your area. Click to view list.

Whichever method you choose, be sure you’re using equivalent coverages for every quote you compare. If you have differing limits it will be next to impossible to decipher which rate is best. Quoting even small variations in limits may result in a large different in cost. And when comparing car insurance rates, know that obtaining a wide range of quotes helps locate more affordable insurance.

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Five discounts to earn cheap auto insurance rates

Some companies don’t always advertise the entire discount list very clearly, so the following list contains both well-publicized and the more hidden auto insurance savings.

• Active Military Service – Having a deployed family member could be rewarded with lower auto insurance rates.
• Payment Discounts – If you pay your bill all at once as opposed to paying monthly you could save up to 5%.
• Cautious Driver Discount – Accident-free drivers can get discounts for up to 45% lower rates on Suburban insurance than their less cautious counterparts.
• Buy New and Save – Putting insurance on a new car can cost up to 25% less due to better safety requirements for newer models.
• Mature Driver Discount – If you qualify as a senior citizen, you are able to get a small discount on rates on Suburban insurance.

Discounts save money, but please remember that most discounts do not apply to all coverage premiums. A few only apply to specific coverage prices like liability, collision or medical payments. Despite the appearance that all those discounts means the company will pay you, it doesn’t quite work that way.

A few popular companies and a selection of discounts are detailed below.

• State Farm includes discounts for driver’s education, multiple autos, multiple policy, good driver, Steer Clear safe driver discount, and student away at school.
• Farmers Insurance offers discounts including alternative fuel, switch companies, youthful driver, good student, and electronic funds transfer.
• Geico offers premium reductions for multi-vehicle, anti-theft, seat belt use, emergency military deployment, good student, military active duty, and daytime running lights.
• American Family policyholders can earn discounts including good driver, bundled insurance, accident-free, early bird, multi-vehicle, and mySafetyValet.
• Nationwide may have discounts that include Farm Bureau membership, multi-policy, defensive driving, good student, accident-free, and business or organization.
• Progressive offers discounts for good student, online signing, multi-vehicle, online quote discount, continuous coverage, homeowner, and multi-policy.

Before purchasing a policy, check with all the companies which discounts they offer. Some of the discounts discussed earlier might not apply in your area. To see insurers that offer some of these discounts, click here.

Tailor your car insurance coverage to you

When it comes to buying proper insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Every insured’s situation is different and a cookie cutter policy won’t apply. For example, these questions might point out if your insurance needs would benefit from an agent’s advice.

• Does coverage extend to Mexico or Canada?
• Should I waive the damage coverage when renting a car?
• Does car insurance cover theft of personal property?
• Am I covered when pulling a rental trailer?
• If my pet gets injured in an accident are they covered?
• Why am I required to buy liability insurance?
• How can I get high-risk coverage after a DUI?
• If my 1990 GMC Suburban is totaled, can I afford another vehicle?
• Do I need PIP (personal injury protection) coverage in my state?

If you can’t answer these questions but you think they might apply to your situation, you might consider talking to an insurance agent. If you don’t have a local agent, fill out this quick form or go to this page to view a list of companies.

Misconceptions in insurance coverage advertisements

Insurance coverage companies such as Progressive, Allstate and Geico continually stream television and radio advertisements. They all seem to advertise the message that you’ll save big just by switching to them. But how can every company offer drivers better rates? Here is the trick they use.

Companies quote their best rates for the right customer that earns them a profit. An example of this type of insured could be a married male, has other policies, and does not commute to work. A propective insured that matches those criteria will most likely get cheap rates and will probably save a lot of money.

Consumers who do not match those standards will be charged higher premium rates which results in the prospect going elsewhere. If you pay close attention to the ads, they say “customers that switch” but not “all drivers who get quotes” save money. That is how insurance companies can make claims like that. That is why you should compare as many free insurance coverage quotes as you can. It’s not possible to predict which insurance companies will have the lowest rates.

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Car insurance specifics

Knowing the specifics of your car insurance policy can be of help when determining the best coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and even agents have difficulty translating policy wording. These are the usual coverages found on the average car insurance policy.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses like rehabilitation expenses, prosthetic devices, funeral costs and nursing services. The coverages can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and gives slightly broader coverage than med pay

Liability

This can cover damage or injury you incur to other’s property or people. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. As an example, you may have values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability coverage protects against claims such as emergency aid, pain and suffering, medical expenses, legal defense fees and repair bills for other people’s vehicles. The amount of liability coverage you purchase is a personal decision, but consider buying as high a limit as you can afford.

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as fire damage, a broken windshield, falling objects and damage from a tornado or hurricane. The maximum payout your car insurance company will pay is the market value of your vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Collision protection

Collision insurance will pay to fix damage to your Suburban resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against claims like sustaining damage from a pot hole, driving through your garage door, crashing into a ditch and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are older. Another option is to bump up the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle’s occupants when other motorists do not carry enough liability coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as damage to your GMC Suburban.

Because many people only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is very important.

Do the work, save more money

Cheaper 1990 GMC Suburban insurance is possible from both online companies as well as from independent agents, and you need to comparison shop both to have the best selection. Some insurance companies may not provide rates over the internet and these regional carriers sell through independent agencies.

While you’re price shopping online, make sure you don’t reduce coverage to reduce premium. There have been many cases where someone sacrificed liability limits or collision coverage and learned later that it was a big error on their part. Your strategy should be to buy enough coverage for the lowest price, but do not sacrifice coverage to save money.

For more information, take a look at the resources below:

• Auto Insurance FAQ (Farmers Insurance)
• Get the Right Protection (InsureUonline.org)
• Older Drivers FAQ (iihs.org)
• Collision Coverage (Liberty Mutual)

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