2004 Chevrolet Suburban Car Insurance Rates

Want cheaper insurance coverage rates for your Chevrolet Suburban? If shopping for insurance coverage online is new to you, it’s easy to get confused because of the huge number of online companies all offering big savings.

Insurance Coverage Comparison Rates

There are multiple methods to shop for 2004 Chevy Suburban insurance coverage, but there is one way that is less labor-intensive and much quicker. You could waste time talking about coverages with insurance companies in your area, or you can stay home and use online quotes to get rate comparisons in just a few minutes.

Most of the larger companies take part in a program where prospective buyers complete one form, and each company returns a competitive quote based on that data. This system prevents you from having to do quote forms for each company you want a rate for. To find out what other companies charge for 2004 Chevy Suburban insurance click here (opens in new window).

One minor caviat to using this type of form is you cannot specify which carriers to get quotes from. So if you prefer to choose from a list of companies to compare rates, we have a page of the cheapest insurance coverage companies in your area. Click here for list of insurance companies.

Which method you use is up to you, but compare exactly the same coverage information on every quote. If you compare different limits and deductibles on each one it will be very difficult to determine which rate is truly the best. Just a small difference in insurance coverages may result in large price differences. And when comparing insurance coverage rates, know that getting more free quotes will increase your chances of finding lower pricing.

Are you getting all your discounts?

Insurance can be prohibitively expensive, buy you may qualify for discounts to reduce the price significantly. Some trigger automatically when you quote, but some may not be applied and must be asked for in order for you to get them.

  • Life Insurance Discount – Larger companies have lower rates if you buy a life insurance policy as well.
  • More Vehicles More Savings – Having multiple cars or trucks on one policy could earn a price break for each car.
  • Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Student in College – Children living away from home attending college and do not have a car can receive lower rates.
  • Low Mileage – Keeping the miles down on your Chevy can earn discounted rates on garaged vehicles.
  • Passive Restraints – Vehicles with factory air bags or motorized seat belts can get savings of up to 25% or more.

As a disclaimer on discounts, some of the credits will not apply the the whole policy. Some only reduce the price of certain insurance coverages like liability and collision coverage. So when it seems like you could get a free insurance policy, you won’t be that lucky. Any qualifying discounts will bring down the amount you have to pay.

Insurance companies that possibly offer these discounts include:

Double check with every prospective company which discounts you may be entitled to. Discounts may not be available in every state.

When might I need an agent?

When it comes to choosing the best auto insurance coverage, there really is not a cookie cutter policy. Everyone’s situation is unique.

For instance, these questions may help you determine whether or not you might need professional guidance.

  • Is my 2004 Chevy Suburban covered for smoke damage?
  • Should I get collision insurance on every vehicle?
  • Should I buy only the required minimum liability coverage?
  • Do I need roadside assistance coverage?
  • Am I better off with higher deductibles on my 2004 Chevy Suburban?
  • Should I have combined single limit or split liability limits?
  • Where can I find DUI or SR-22 insurance?

If you don’t know the answers to these questions, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, complete this form.

Chevy Suburban insurance rates are influenced by…

It’s important that you understand some of the elements that come into play when calculating the rates you pay for insurance coverage. Having a good understanding of what controls the rates you pay allows you to make educated decisions that will entitle you to big savings.

The list below includes a few of the “ingredients” companies use to determine prices.

  • Add-on coverages can add up – There are a lot of additional coverages you can purchase when buying insurance coverage. Coverages like vanishing deductibles, better glass coverage and membership fees are some examples. These may sound like a good investment when you first buy your policy, but your needs may have changed so get rid of them and save.
  • Low deductibles can be expensive – Physical damage insurance, also known as collision and other-than-collision, protects your Chevy from damage. Some examples of claims that would be covered could be running into the backend of another car, damage caused by hail, or theft. Your deductibles are the amount of money you are required to spend out-of-pocket before a claim is paid by your company. The more expense the insured has to pay upfront, the lower your rates will be for Suburban insurance.
  • Never allow your policy to lapse – Driving without insurance can get your license suspended and as a result your rates will increase for letting your insurance lapse. And not only will your rates increase, failure to provide proof of insurance may earn you a license revocation or jail time.Then you may be required to prove you have insurance by filing a SR-22 with your state motor vehicle department to get your license reinstated.
  • Small claims can cost you – Auto insurance companies award discounts to people who are claim-free. If you frequently file small claims, you can expect either higher rates or even cancellation. Car insurance is designed for larger claims.
  • Higher safety ratings means cheaper insurance – Safer cars are cheaper to insure. Safer cars have better occupant injury protection and lower injury rates translates into fewer and smaller insurance claims and lower rates for you. If the Chevy Suburban earned at least four stars on Safercar.gov you are probably receiving a discount.
  • More miles equals more premium – The more you drive in a year the more you’ll pay to insure your vehicle. Most insurance companies charge to insure your cars based upon how you use the vehicle. Cars that are left in the garage can get a lower rate as compared to vehicles used primarily for driving to work. Verify your insurance coverage policy shows the correct driver usage, because it can save money. Incorrect usage on your Suburban can cost quite a bit.
  • Clean credit earns discounts – Having a bad credit history is a huge factor in calculating your insurance coverage rates. If your credit score is not that good, you could potentially save money when insuring your 2004 Chevrolet Suburban by improving your rating. Drivers who have high credit ratings tend to be better drivers and file fewer claims than those with lower credit scores.

The coverage is in the details

Learning about specific coverages of your car insurance policy can be of help when determining appropriate coverage for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for immediate expenses for things like dental work, funeral costs, hospital visits and surgery. They can be used to fill the gap from your health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover both the driver and occupants in addition to getting struck while a pedestrian. PIP coverage is not universally available and may carry a deductible

Comprehensive or Other Than Collision

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for claims such as rock chips in glass, a broken windshield, fire damage, theft and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.

Liability

Liability insurance protects you from injuries or damage you cause to other people or property in an accident. This coverage protects you against claims from other people, and does not provide coverage for damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show limits of 100/300/100 that translate to a $100,000 limit per person for injuries, $300,000 for the entire accident, and property damage coverage for $100,000. Occasionally you may see one limit called combined single limit (CSL) which combines the three limits into one amount with no separate limits for injury or property damage.

Liability can pay for claims such as repair costs for stationary objects, structural damage, bail bonds and pain and suffering. How much liability should you purchase? That is a decision to put some thought into, but you should buy higher limits if possible.

Auto collision coverage

Collision coverage pays for damage to your Suburban caused by collision with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as damaging your car on a curb, backing into a parked car, scraping a guard rail, hitting a parking meter and rolling your car. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Another option is to increase the deductible to get cheaper collision coverage.

UM/UIM Coverage

This protects you and your vehicle’s occupants from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family and also any damage incurred to your Chevy Suburban.

Because many people only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Better coverage you can count on

People change insurance companies for many reasons like high rates after DUI convictions, being labeled a high risk driver, questionable increases in premium and even denial of a claim. It doesn’t matter what your reason, finding the right insurance provider can be easier than you think.

Cost effective 2004 Chevy Suburban insurance can be purchased from both online companies and also from your neighborhood agents, and you should be comparing both to get a complete price analysis. Some insurance companies may not provide online price quotes and most of the time these regional insurance providers sell through independent agents.

We just showed you many tips how you can shop for insurance online. The most important thing to understand is the more you quote, the higher the chance of saving money. You may even discover the best prices are with the least-expected company.

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