Cheaper 1996 Chevrolet Suburban Insurance Rates

I can’t think of a single person who looks forward to buying auto insurance, in particular when the price is too high.

Consumers have many auto insurance companies to insure vehicles with, and although it’s a good thing to be able to choose, having more insurers makes it harder to find the lowest rates.

Cheap Car Insurance Comparisons

There are several ways to shop for Chevy Suburban car insurance, but some are easier and takes less work. You could spend your day talking to insurance companies in your area, or you could save time and use the internet to get pricing more quickly.

The majority of car insurance companies are enrolled in a marketplace that enables customers to send in one quote, and every company provides a quote based on that data. This saves time by eliminating repetitive form submissions for each company you want a rate for.

To participate in this free quote system, click here to open in new window.

The only drawback to getting quotes like this is you can’t choose the providers you will receive quotes from. If you prefer to choose individual companies for rate comparison, we have a listing of companies who write car insurance in your area. Click here for list of insurance companies.

Which method you use is up to you, but make absolute certain that you use the exact same coverages and limits with each company. If you have different deductibles it’s impossible to truly determine the lowest rate. Quoting even small variations in coverages may cause a big price difference. And when comparison shopping, having more price comparisons provides better odds of finding lower pricing.

Pay less for Chevy Suburban insurance

Insurance can cost an arm and a leg, buy you may qualify for discounts to help offset the cost. A few discounts will automatically apply at the time of purchase, but lesser-known reductions have to be specifically requested prior to getting the savings.

  • Save with a New Car – Insuring a new car can be considerably cheaper due to better safety requirements for new cars.
  • Passive Restraints – Cars that have air bags and/or automatic seat belt systems can receive discounts of 20% or more.
  • Multiple Vehicles – Buying insurance for multiple vehicles on one policy may reduce the rate for each vehicle.
  • Memberships – Being a member of a qualifying organization could qualify you for a break when shopping for auto insurance on Suburban insurance.
  • Bundle and Save – When you have multiple policies with the same company you could get a discount of up to 20% off your total premium.
  • Theft Prevention System – Cars that have factory anti-theft systems prevent vehicle theft and earn discounts up to 10%.
  • Low Mileage Discounts – Fewer annual miles on your Chevy can qualify you for discounted rates on garaged vehicles.
  • Accident Forgiveness – Certain companies permit an accident before your rates go up if your claims history is clear prior to the accident.
  • Military Discounts – Having a deployed family member could mean lower rates.
  • Sign Online – Certain companies give back up to $50 for buying your policy online.

It’s important to note that some credits don’t apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability and collision coverage. So even though it sounds like you can get free auto insurance, auto insurance companies aren’t that generous. But all discounts will bring down your premiums.

For a list of insurance companies offering auto insurance discounts, click here to view.

These factors can influence Chevy Suburban insurance rates

An important part of buying insurance is that you know the different types of things that play a part in calculating auto insurance rates. Understanding what impacts premium levels empowers consumers to make smart changes that may reward you with big savings.

Shown below are some of the items used by your company to calculate rates.

  • No coverage gaps is important – Driving without insurance is illegal and auto insurance companies will penalize you for letting your insurance lapse. And not only will insurance be more expensive, but not being able to provide proof of insurance may earn you a license revocation or jail time.You may need to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department.
  • The more you drive the more you pay – The more miles you rack up on your Chevy in a year the more you will pay for auto insurance. Most companies apply a rate based on their usage. Cars left parked in the garage receive lower rates than those used for commuting. An improperly rated Suburban can cost quite a bit. Make sure your auto insurance policy properly reflects how each vehicle is driven, because improper ratings can cost you money.
  • Optional equipment can affect rates – Owning a car with an alarm system can help lower your rates. Anti-theft features such as GM’s OnStar, tamper alarm systems and vehicle immobilizers can help prevent car theft.
  • What are your deductibles? – Coverage for physical damage, also known as collision and other-than-collision, protects your Chevy from damage. Examples of covered claims would be collision with another vehicle, collision with an animal, or theft. Your deductibles are the amount of money you are required to spend if you file a covered claim. The more you’re willing to pay, the lower your rates will be on Suburban insurance.
  • A clean driving record saves money – Even a single citation can boost insurance rates by as much as thirty percent. Careful drivers have lower premiums than people who have multiple driving citations. Drivers who get severe violations like reckless driving, hit and run or driving under the influence may be required to submit a SR-22 or proof of financial responsibility with their state DMV in order to drive a vehicle legally.
  • Liability insurance protects assets – Liability coverage will protect you if you are found to be at fault for personal injury or accident damage. It provides legal defense up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap when compared with rates for comp and collision, so buy as much as you can afford.
  • Credit scores impact auto insurance rates – A driver’s credit history is a large factor in your rate calculation. If your credit is not that good, you could be paying less to insure your 1996 Chevrolet Suburban by repairing your credit. Drivers who have excellent credit tend to be better drivers and file fewer claims than those with lower credit scores.
  • Do you work long hours in a high stress job? – Occupations like doctors, social workers and accountants are shown to have higher rates than average in part from high stress and lots of time spent at work. On the flip side, professions such as actors, athletes and the unemployed pay the least on Suburban insurance.

Tailor your coverage to you

When choosing the right insurance coverage for your personal vehicles, there really is no cookie cutter policy. Everyone’s situation is a little different and a cookie cutter policy won’t apply. For example, these questions can aid in determining if you would benefit from professional advice.

  • Am I covered if my car is in a flood?
  • How high should deductibles be on a 1996 Chevy Suburban?
  • Does insurance cover damages from a DUI accident?
  • What discounts do I qualify for?
  • Am I covered when using my vehicle for business?
  • Is my custom paint covered by insurance?
  • What is the ISO rating for a 1996 Chevy Suburban?
  • Are there companies who specialize in insuring high-risk drivers?
  • How can I get high-risk coverage after a DUI?
  • What are the best liability limits?

If you don’t know the answers to these questions but one or more may apply to you, you might consider talking to an agent. To find lower rates from a local agent, simply complete this short form or click here for a list of insurance coverage companies in your area.

Insurance coverage basics

Having a good grasp of insurance can be of help when determining the best coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and coverage can change by endorsement. Listed below are typical coverage types found on most insurance policies.

Liability auto insurance

This coverage will cover damage that occurs to other people or property. It protects YOU from claims by other people. It does not 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. As an example, you may have values of 50/100/50 which means $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and $50,000 of coverage for damaged propery. Some companies may use one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for things like repair costs for stationary objects, medical services, legal defense fees, bail bonds and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical payments coverage and PIP

Coverage for medical payments and/or PIP provide coverage for bills such as EMT expenses, surgery, pain medications and doctor visits. They can be used in conjunction with a health insurance policy or if you are not covered by health insurance. It covers all vehicle occupants and also covers getting struck while a pedestrian. PIP is only offered in select states and may carry a deductible

Collision coverage protection

This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a ditch, colliding with another moving vehicle, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so consider removing coverage from vehicles that are older. It’s also possible to increase the deductible to save money on collision insurance.

Uninsured/Underinsured Motorist coverage

This provides protection when other motorists either have no liability insurance or not enough. Covered claims include hospital bills for your injuries and also any damage incurred to your Chevy Suburban.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is very important. Frequently these limits do not exceed the liability coverage limits.

Comprehensive coverage

This coverage pays to fix your vehicle from damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for things like damage from flooding, a tree branch falling on your vehicle and a broken windshield. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

One last thing about your coverage

While you’re price shopping online, never buy poor coverage just to save money. Too many times, someone sacrificed liability limits or collision coverage only to discover later that it was a big error on their part. Your goal should be to find the BEST coverage for the lowest price while still protecting your assets.

In this article, we covered some good ideas how to save on 1996 Chevy Suburban insurance. The most important thing to understand is the more you quote, the better your comparison will be. You may be surprised to find that the best price on insurance is with some of the smallest insurance companies. Smaller companies often have lower prices on specific markets than the large multi-state companies such as Allstate and Progressive.

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