View 2016 Chevrolet Suburban Insurance Rates

Looking for the cheapest car insurance rates? Shoppers have many options when shopping for the best price on Chevy Suburban insurance. You can either spend your time calling around to compare prices or utilize the internet to find the lowest rates.

There is a better way to shop for car insurance and we’ll show you the proper way to price shop coverage for your Chevy and obtain the lowest possible price from local insurance agents and online providers.

It’s a good idea to quote other rates before your policy renews because prices are rarely the same from one policy term to another. Just because you had the best price on Suburban insurance a year ago you can probably find a better rate now. Forget anything you know (or think you know) about car insurance because we’re going to demonstrate one of the easiest ways to eliminate unnecessary coverages and save money.

If you are insured now or need a new policy, you can follow these tips to cut your premiums and possibly find even better coverage. The purpose of this article is to familiarize you with how car insurance quotes work. Drivers only need an understanding of the most effective way to compare price quotes online.

Insurance discounts are available to lower your rates

Some companies don’t list all possible discounts in a way that’s easy to find, so the below list has both well-publicized and the harder-to-find discounts that you may qualify for.

  • First Accident Forgiveness – This one is not really a discount per se, but companies like State Farm and Geico permit an accident without getting socked with a rate hike with the catch being you have to be claim-free for a set time period.
  • Seat Belt Discounts – Drivers who require all vehicle occupants to buckle their seat belts can save up to 15% off the personal injury premium cost.
  • Student Discount for Driver Training – Teen drivers should complete a driver education course in high school.
  • Professional Memberships – Affiliation with a professional or civic organization is a good way to get lower rates on your policy.
  • Paperless Signup – Many insurance companies will discount your bill up to fifty bucks for signing up digitally online.
  • Defensive Driving Course – Participating in a course that instructs on driving safety is a good idea and can lower rates and also improve your driving technique.

You can save money using discounts, but some credits don’t apply to the entire cost. Most cut individual premiums such as collision or personal injury protection. So even though it sounds like you would end up receiving a 100% discount, you aren’t that lucky. Any amount of discount will definitely lower your insurance premiums.

If you would like to see a list of insurance companies who offer free insurance quotes, click this link.

Everyone needs different insurance coverage coverages

When it comes to buying coverage for your personal vehicles, there really is not a one size fits all plan. Every situation is different.

For example, these questions could help you determine whether your personal situation would benefit from professional advice.

  • Is my camper covered by my car insurance policy?
  • Am I covered when driving a rental car?
  • Do I pay less if my vehicle is kept in my garage?
  • Is a new car covered when I drive it off the dealer lot?
  • Is upholstery damage covered by car insurance?
  • When would I need additional glass coverage?
  • Is my ex-spouse still covered by my policy?
  • Is my custom paint covered by insurance?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed agent. If you don’t have a local agent, simply complete this short form. It is quick, free and can provide invaluable advice.

Advertising myths

Consumers can’t ignore all the ads that claim the best premium rates from companies such as Allstate and Progressive. All the companies advertise the message about how much you will save just by switching your policy.

How does every insurance company charge you a lower premium? It’s all in how they say it.

Insurance providers have a preferred profile for a prospective insured that will most likely be profitable. One example of a desirable risk might be described as between the ages of 30 and 50, has no claims, and the vehicle is rated for pleasure use. Any person who matches those parameters will get very good car insurance rates as well as cut their rates substantially.

Insureds who cannot meet this stringent profile will have to pay higher rates which results in business not being written. If you pay close attention to the ads, they say “customers that switch” not “everybody who quotes” will save that much if they switch. This is how insurance companies can confidently make it sound like they have such great prices.

Because of these techniques, you really need to get a wide range of price quotes. It is just not possible to predict the company that will give you the biggest savings.

Information about specific coverages

Having a good grasp of your policy helps when choosing the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and coverage can change by endorsement.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses for hospital visits, surgery, EMT expenses, dental work and rehabilitation expenses. They can be utilized in addition to your health insurance policy or if you are not covered by health insurance. Coverage applies to all vehicle occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is only offered in select states but can be used in place of medical payments coverage

Liability insurance

This coverage will cover damage that occurs to other people or property in an accident. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Another option is one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims such as pain and suffering, structural damage, funeral expenses, medical expenses and emergency aid. How much liability should you purchase? That is a personal decision, but you should buy as high a limit as you can afford.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage from colliding with an object or car. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for things such as hitting a parking meter, colliding with another moving vehicle, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from lower value vehicles. You can also bump up the deductible to save money on collision insurance.

Uninsured and underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Because many people 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 important protection for you and your family. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive coverages

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

Comprehensive insurance covers claims like vandalism, theft, damage from flooding and rock chips in glass. The highest amount a car insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Summing up your auto insurance search

We just showed you a lot of techniques to save on 2016 Chevy Suburban insurance. The key thing to remember is the more quotes you get, the better likelihood of getting inexpensive insurance. Drivers may discover the lowest prices come from a company that doesn’t do a lot of advertising.

Some insurance providers may not have the ability to get a quote online and many times these smaller companies only sell coverage through local independent agents. Cheaper 2016 Chevy Suburban insurance is definitely available online as well as from insurance agents, so you should compare both to have the best rate selection.

Insureds change insurance companies for a variety of reasons including unfair underwriting practices, high rates after DUI convictions, delays in paying claims or lack of trust in their agent. No matter why you want to switch, finding a new company is pretty easy and you might even save some money in the process.

Additional auto insurance information can be found at these links: