1991 GMC Suburban Insurance Quotes – 9 Policy Discounts

No one in their right mind looks forward to paying for insurance, in particular when they are paying too much.

Numerous car insurance companies battle for your insurance dollar, so it can be very hard to choose a insurer and get the definite lowest price

It’s smart to compare rates once or twice a year due to the fact that insurance rates fluctuate regularly. Even if you think you had the best rates on Suburban insurance six months ago the chances are good that you can find a lower rate today. There is too much inaccurate information about insurance online, so we’re going to give you some solid techniques on how to save money.

You probably qualify for some discounts

Insuring your fleet can be pricey, but discounts can save money and there are some available that can drop the cost substantially. Certain discounts will be triggered automatically when you quote, but less common discounts must be asked for prior to receiving the credit.

  • Federal Employees – Employees or retirees of the government may qualify you for a discount on Suburban insurance with a few insurance companies.
  • Driver’s Ed – Require your teen driver to complete a driver education course in high school.
  • Service Members Pay Less – Being on active duty in the military could mean lower rates.
  • Student in College – Children living away from home attending college and do not have access to a covered vehicle can be insured at a reduced rate.
  • Low Mileage – Fewer annual miles on your GMC could qualify for lower rates on the low mileage vehicles.
  • Anti-theft Discount – Vehicles with anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Accident Forgiveness – Certain companies will allow you to have one accident before hitting you with a surcharge if your claims history is clear for a particular time prior to the accident.
  • Use Seat Belts – Requiring all passengers to use a seat belt could save 15% on the medical payments or PIP coverage costs.
  • Accident Free – Claim-free drivers can earn big discounts when compared to bad drivers.

It’s important to note that many deductions do not apply the the whole policy. Most only reduce individual premiums such as physical damage coverage or medical payments. Just because it seems like adding up those discounts means a free policy, companies wouldn’t make money that way. But all discounts will reduce your premiums.

To see a list of insurance companies who offer insurance discounts, click this link.

Do drivers who switch really save?

Auto insurance providers like Allstate, Geico and Progressive regularly use ads on TV and radio. They all make an identical promise that you can save if you move to them. How do they all say the same thing? It’s all in the numbers.

All the different companies have a certain “appetite” for the type of driver that earns them a profit. An example of a preferred risk could possibly be over the age of 50, has no tickets, and has a short commute. A customer who matches those parameters receives the best rates and therefore will cut their rates substantially.

Drivers who fall outside these standards must pay higher rates which usually ends up with the driver buying from a lower-cost company. The ads say “customers who switch” but not “drivers who get quotes” save money. That’s the way companies can make those claims.

This illustrates why you absolutely need to get as many comparisons as possible. You cannot predict which company will have the lowest GMC Suburban insurance rates.

There’s no such thing as the perfect policy

When choosing coverage, there is no best way to insure your cars. Everyone’s situation is unique so your insurance should reflect that Here are some questions about coverages that can aid in determining if you might need professional guidance.

  • Am I covered if I wreck a rental car?
  • Is a fancy paint job covered?
  • Is pleasure use cheaper than using my 1991 GMC Suburban to commute?
  • Do I have any recourse if my insurance company denies a claim?
  • Do I need motorclub coverage?
  • Are my friends covered when driving my car?

If you’re not sure about those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, simply complete this short form or you can go here for a list of companies in your area.

Auto insurance coverages

Understanding the coverages of your insurance policy can help you determine the right coverages for your vehicles. Policy terminology can be impossible to understand and reading a policy is terribly boring. Below you’ll find the normal coverages offered by insurance companies.

Coverage for medical expenses – Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for things like doctor visits, chiropractic care, hospital visits and X-ray expenses. The coverages can be used in conjunction with a health insurance plan or if you are not covered by health insurance. Medical payments and PIP cover both the driver and occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

Coverage for uninsured or underinsured drivers – This coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked. Normally these limits are identical to your policy’s liability coverage.

Comprehensive insurance – Comprehensive insurance coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things like rock chips in glass, vandalism, fire damage and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision – Collision coverage will pay to fix damage to your Suburban from colliding with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as scraping a guard rail, colliding with another moving vehicle, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to increase the deductible to save money on collision insurance.

Liability insurance – Liability coverage can cover injuries or damage you cause to other’s property or people. This insurance protects YOU against other people’s claims, and doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property. Another option is a combined 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 medical expenses, bail bonds and loss of income. How much coverage you buy is a personal decision, but consider buying as high a limit as you can afford.

Save for a rainy day

The cheapest 1991 GMC Suburban insurance is definitely available online in addition to many insurance agents, so you should compare both to have the best chance of lowering rates. A few companies do not provide online price quotes and usually these regional insurance providers provide coverage only through local independent agents.

As you restructure your insurance plan, make sure you don’t buy lower coverage limits just to save a few bucks. There are many occasions where an accident victim reduced liability coverage limits only to find out that it was a big error on their part. Your aim should be to get the best coverage possible for the lowest price, not the least amount of coverage.

More information can be read at these links: