2018 Chevrolet Suburban Insurance Quotes – 6 Tricks for Best Rates

Tired of not being able to afford to make your auto insurance payment? You are in the same boat as many other drivers. Multiple insurance companies compete for your hard-earned dollar, and it can be difficult to compare rates to get the lowest cost out there.

Compare quotes for car insurance

Finding a lower price on 2018 Chevy Suburban insurance is pretty simple and can save money. Just take a few minutes to get quotes to find. This can easily be done in just a few minutes using one of these methods.

1. If you don’t have a lot of time, the easiest way consumers can analyze rates would be an industry-wide quote request form click to view form in new window. This form prevents you from having to do repetitive form submissions to each individual car insurance company. One simple form will get you rate comparisons instantly.
2. Another way to get quotes online requires a trip to each company’s website and complete a new quote form. For instance, let’s say you want to compare Allstate, Liberty Mutual and GMAC. To find out each rate you need to spend time going to each site individually to enter the same coverage data repeatedly, which can take a lot of time.

   To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just try to keep nearly identical deductibles and coverage limits for each comparison quote. If each company quotes mixed coverages it will be very difficult to find the best deal for your Chevy Suburban.

Find discounts on insurance

Some insurers do not advertise every disount available very clearly, so the list below contains a few of the more well known and also the lesser-known credits that may apply to you.

• Responsible Driver Discounts – Insureds without accidents can pay as much as 50% less on Suburban insurance as compared to drivers with claims.
• Resident Student – Older children who live away from home to go to college and leave their car at home may be insured at a cheaper rate.
• Early Switch Discount – Some larger companies reward drivers for buying a policy before your current coverage expires. It’s a savings of about 10%.
• Good Grades Discount – Being a good student can get you a discount of up to 25%. Earning this discount can benefit you well after school through age 25.
• Paperless Signup – Some of the larger companies will give a small break for signing up on your computer.
• Lower Rates for Military – Having an actively deployed family member could qualify you for better prices.

We need to note that most discounts do not apply to the entire cost. Most cut the cost of specific coverages such as physical damage coverage or medical payments. Just because it seems like you could get a free insurance policy, you’re out of luck. But any discount will definitely lower your policy cost.

A list of insurance companies and their offered discounts are outlined below.

• Geico offers discounts for anti-theft, seat belt use, defensive driver, anti-lock brakes, and emergency military deployment.
• Travelers offers premium reductions for good student, continuous insurance, IntelliDrive, early quote, payment discounts, and multi-car.
• Nationwide policyholders can earn discounts including good student, family plan, anti-theft, defensive driving, business or organization, and Farm Bureau membership.
• Farmers Insurance may have discounts that include teen driver, distant student, switch companies, electronic funds transfer, mature driver, and early shopping.
• Esurance may include discounts for safety device, defensive driver, emergency road assistance, DriveSense, and Switch & Save.
• State Farm offers discounts including multiple policy, Drive Safe & Save, Steer Clear safe driver discount, good student, passive restraint, and multiple autos.
• Progressive includes discounts for homeowner, online quote discount, continuous coverage, multi-policy, and good student.
• Mercury Insurance discounts include low natural disaster claims, good driver, professional/association, location of vehicle, and annual mileage.

When getting a coverage quote, ask each company how you can save money. Some discounts listed above may not apply in every state. If you would like to view companies that offer multiple discounts, click here to view.

Tailor your insurance coverage coverage to you

When it comes to choosing adequate coverage, there isn’t really a single plan that fits everyone. Everyone’s situation is a little different so this has to be addressed. Here are some questions about coverages that can aid in determining whether your personal situation may require specific advice.

• Who is covered by my policy?
• When should I remove comp and collision on my 2018 Chevy Suburban?
• What is the minimum liability in my state?
• How do I buy GAP insurance?
• Is my dog or cat covered if injured in an accident?
• How many claims can I have before being cancelled?
• Where can I find DUI or SR-22 insurance?
• Do I pay less for low miles?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form or you can go here for a list of companies in your area. It’s fast, doesn’t cost anything and can provide invaluable advice.

Parts of your car insurance policy

Understanding the coverages of a car insurance policy can help you determine appropriate coverage and the correct deductibles and limits. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Listed below are the normal coverages offered by car insurance companies.

Auto collision coverage

Collision insurance will pay to fix damage to your Suburban caused by collision with a stationary object or other vehicle. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like hitting a mailbox, colliding with a tree, crashing into a building and sideswiping another vehicle. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Coverage for uninsured or underinsured drivers

This gives you 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 damage to your Chevy Suburban.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is important protection for you and your family.

Comprehensive car insurance

Comprehensive insurance coverage will pay to fix damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims like falling objects, damage from a tornado or hurricane, rock chips in glass, a broken windshield and hitting a bird. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage for medical expenses

Med pay and PIP coverage kick in for short-term medical expenses such as pain medications, hospital visits and nursing services. They are utilized in addition to your health insurance plan or if you do not have health coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Liability insurance

This coverage can cover injuries or damage you cause to people or other property. It protects you from legal claims by others, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 50/100/50 that means you have $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000.

Liability coverage pays for claims like legal defense fees, medical expenses, bail bonds and medical services. The amount of liability coverage you purchase is a decision to put some thought into, but you should buy as large an amount as possible.

Stretch your dollar

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. There have been many situations where an insured dropped physical damage coverage to discover at claim time that it was a big mistake. The aim is to buy enough coverage at the best possible price, not the least amount of coverage.

In this article, we covered a lot of techniques to compare 2018 Chevy Suburban insurance car insurance rates online. The key thing to remember is the more price quotes you have, the higher your chance of finding the cheapest insurance coverage. Consumers could even find that the best price on auto insurance is with some of the lesser-known companies. Regional companies can often provide lower premium rates in certain areas compared to the large companies like Progressive and Geico.

A few companies do not provide rates over the internet smaller companies only sell coverage through local independent agents. Cost effective 2018 Chevy Suburban insurance can be found both online and from local insurance agents, and you should compare rates from both in order to have the best chance of saving money.

Additional auto insurance information is located on the following sites:

• Collision Insurance Coverage (Nationwide)
• Distracted Driving (Insurance Information Insitute)
• Get the Right Protection (InsureUonline.org)
• Should I Buy a New or Used Car? (Allstate)
• Airbag FAQ (iihs.org)