2008 Chevrolet Suburban Insurance Quotes

Trying to find the cheapest car insurance rates for your Chevrolet Suburban? Are you tired of not being able to afford each month for car insurance? Your situation is no different than most other car owners.

There are many insurance companies to insure vehicles with, and even though it’s nice to have a selection, it can be more challenging to compare rates and cut insurance costs.

You need to compare prices periodically because prices trend upward over time. If you had the best price on Suburban insurance two years ago you can probably find a better price now. So just block out anything you think you know about car insurance because you’re going to get a crash course in how to use the internet to lower your annual insurance bill.

Discounts are basically free money

Insurance can cost an arm and a leg, but there are discounts available that you may not even be aware of. Larger premium reductions will be automatically applied when you complete an application, but a few must be requested specifically prior to getting the savings.

  • Homeowners Savings – Being a homeowner may earn you a small savings because maintaining a house requires personal responsibility.
  • Multi-policy Discount – When you have multiple policies with one insurance company you may earn approximately 10% to 15%.
  • Passive Restraint Discount – Vehicles with factory air bags can receive discounts up to 30%.
  • Student in College – Children who live away from home and don’t have a car may qualify for this discount.
  • No Charge for an Accident – Some insurance companies permit an accident before raising your premiums so long as you haven’t had any claims prior to the accident.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only apply to individual premiums such as liability, collision or medical payments. So even though they make it sound like you would end up receiving a 100% discount, auto insurance companies aren’t that generous. Any qualifying discounts will cut the cost of coverage.

Companies who might offer some of the above discounts may include but are not limited to:

Check with every prospective company what discounts are available to you. All car insurance discounts may not apply in every state.

Which insurance is the “right” coverage?

When it comes to choosing adequate coverage for your vehicles, there is no single plan that fits everyone. Each situation is unique so this has to be addressed. These are some specific questions could help you determine if your situation could use an agent’s help.

  • How much liability do I need to cover my assets?
  • Is there coverage for injuries to my pets?
  • Who is covered when they drive my 2008 Chevy Suburban?
  • Are my tools covered if they get stolen from my vehicle?
  • Am I covered when driving a rental car?
  • Will I be non-renewed for getting a DUI or other conviction?
  • What if I total my 2008 Chevy Suburban and owe more than it’s worth?

If it’s difficult to answer those questions but one or more may apply to you, you may need to chat with an agent. To find lower rates from a local agent, take a second and complete this form or click here for a list of car insurance companies in your area.

Switch companies and save? Really?

Auto insurance companies such as Geico, State Farm and Progressive constantly bombard you with ads on TV and radio. They all seem to make the same claim of big savings if you switch your policy. How does each company make almost identical claims? It’s all in the numbers.

Different companies are able to cherry pick for the type of customer that makes them money. For instance, a preferred risk could be over the age of 50, has no driving citations, and has a short commute. Any driver who meets those qualifications will get the preferred rates and is almost guaranteed to save a lot of money.

Potential customers who fall outside this ideal profile must pay higher rates which usually ends up with business not being written. The ad wording is “customers who switch” not “everyone that quotes” save money. This is how insurance companies can confidently state the savings.

This illustrates why it is so important to get as many quotes as possible. It’s not possible to predict which company will have the lowest Chevy Suburban insurance rates.

Car insurance coverage specifics

Understanding the coverages of a car insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring. Listed below are the normal coverages found on the average car insurance policy.

Liability insurance – This can cover damage or injury you incur to a person or their property. It protects YOU from legal claims by others, and does not provide coverage for 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. Your policy might show liability limits of 100/300/100 that means you have a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property. Some companies may use a combined limit that pays claims from the same limit without having the split limit caps.

Liability coverage protects against claims like medical expenses, bail bonds and loss of income. How much liability coverage do you need? That is a personal decision, but you should buy higher limits if possible.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage gives you protection when other motorists either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Suburban.

Since a lot of drivers only purchase the least amount of liability that is required, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually these coverages do not exceed the liability coverage limits.

Comprehensive (Other than Collision) – Comprehensive insurance will pay to fix damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, fire damage, damage from getting keyed and vandalism. The maximum amount your car insurance company will pay is the market value of your vehicle, so if the vehicle’s value is low it’s not worth carrying full coverage.

Collision coverages – Collision coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims like sideswiping another vehicle, crashing into a ditch, driving through your garage door and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Medical expense insurance – Coverage for medical payments and/or PIP reimburse you for short-term medical expenses like EMT expenses, nursing services and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. They cover all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not available in all states but can be used in place of medical payments coverage

In conclusion

We covered a lot of tips how to shop for 2008 Chevy Suburban insurance online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding lower rates. Consumers may even find the best price on car insurance is with some of the lesser-known companies. These companies may have significantly lower rates on certain market segments as compared to the big name companies such as Allstate, Geico and Progressive.

Cost effective insurance is available from both online companies and also from your neighborhood agents, and you need to comparison shop both so you have a total pricing picture. A few companies may not provide the ability to get a quote online and these regional insurance providers work with independent agents.

When shopping online for car insurance, don’t be tempted to sacrifice coverage to reduce premiums. Too many times, consumers will sacrifice liability limits or collision coverage only to discover later they didn’t purchase enough coverage. The proper strategy is to buy a smart amount of coverage for the lowest price while not skimping on critical coverages.

Even more information is available in these articles: