Cheapest 1999 Chevrolet Suburban Insurance Rates in 2023
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UPDATED: Jun 2, 2023
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Looking for lower insurance coverage rates for your Chevrolet Suburban? Finding low-cost insurance for a new or used Chevy Suburban can be a lot of work, but you can use these tips to save time. There is a better way to buy insurance coverage and we’ll show you the proper way to compare rates for a Chevy and locate the cheapest rates from local insurance agents and online providers.
Low Cost Insurance Coverage
Most companies like Progressive, GEICO, Allstate and State Farm allow you to get coverage price quotes on the web. Getting quotes is pretty easy as you simply enter the amount of coverage you want as detailed in the form. When complete, their rating system requests your driving record and credit report and gives you a price quote based on many factors.
This streamlines rate comparisons, but having to visit different websites and type in the same information can be a bit repetitive. But it’s very important to get many rate quotes in order to get lower prices.
The easy way to compare rates
An easier way to compare rates utilizes a single form to return rates from a bunch of companies at once. It’s a real time-saver, requires much less work on your part, and makes quoting online much more enjoyable. Immediately after submitting the form, it gets priced and you are able to buy any one of the price quotes you receive. If you find a better price you can simply submit the application and buy the policy. The whole process can be completed in less than 10 minutes and can result in significant savings.
To compare pricing, click here to open in a new tab and enter your information. To compare your current rates, we recommend you enter coverages and limits as close as possible to your current policy. This makes sure you will get a rate comparison for similar coverage.
Verify you’re getting all your discounts
Companies offering auto insurance don’t always advertise all available discounts in an easy-to-find place, so we took the time to find some of the more common and the more hidden ways to save on auto insurance. If they aren’t giving you every credit possible, you’re just leaving money on the table.
- Defensive Driver – Successfully completing a defensive driving course could cut 5% off your bill if you qualify.
- Senior Discount – Mature drivers may qualify for a discount up to 10% for Suburban coverage.
- Driver’s Ed – Have your child take driver’s ed class if it’s offered in school.
- Service Members Pay Less – Having a family member in the military could mean lower rates.
- Employee of Federal Government – Simply working for the federal government may qualify you for a discount for Suburban coverage with a few auto insurance companies.
- Homeowners Discount – Simply owning a home may earn you a small savings because of the fact that having a home is proof that your finances are in order.
- E-sign – Certain companies give back up to $50 simply for signing over the internet.
- Multiple Vehicles – Having multiple vehicles on the same auto insurance policy could earn a price break for each car.
- Drive Less and Save – Driving fewer miles could qualify for better rates on cars that stay parked.
- New Car Discount – Putting insurance coverage on a new car can cost up to 25% less due to better safety requirements for new cars.
Keep in mind that most discounts do not apply the whole policy. A few only apply to the price of certain insurance coverages like medical payments or collision. So even though they make it sound like you can get free auto insurance, it doesn’t quite work that way.
For a list of companies with the best auto insurance discounts, click this link.
When should I talk to an agent?
When buying coverage, there is no single plan that fits everyone. Everyone’s needs are different.
Here are some questions about coverages that can aid in determining if your situation could use an agent’s help.
- Is extra glass coverage worth it?
- How much underlying liability do I need for an umbrella policy?
- What vehicles should carry emergency assistance coverage?
- What is the minimum liability in my state?
- Does my insurance cover my expensive audio equipment?
- Is my 1999 Chevy Suburban covered for smoke damage?
- Is my vehicle covered by my employer’s policy when using it for work?
- Does my medical payments coverage pay my health insurance deductible?
- What if I total my 1999 Chevy Suburban and owe more than it’s worth?
If you can’t answer these questions but you know they apply to you, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, doesn’t cost anything and can help protect your family.
Auto insurance coverages 101
Knowing the specifics of a auto insurance policy can help you determine the right coverages for your vehicles. The coverage terms in a policy can be confusing and reading a policy is terribly boring.
Coverage for collisions
Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then your collision coverage will kick in.
Collision coverage pays for claims like backing into a parked car, colliding with another moving vehicle and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from older vehicles. Another option is to bump up the deductible in order to get cheaper collision rates.
Comprehensive or Other Than Collision
This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims like hail damage, hitting a deer, damage from a tornado or hurricane, falling objects and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.
Medical costs insurance
Medical payments and Personal Injury Protection insurance kick in for short-term medical expenses such as EMT expenses, funeral costs, rehabilitation expenses, chiropractic care and prosthetic devices. They can be used in conjunction with a health insurance policy or if there is no health insurance coverage. It covers not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is not available in all states and may carry a deductible
This provides protection from damage or injury you incur to people or other property by causing an accident. Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see liability limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.
Liability coverage pays for claims like bail bonds, pain and suffering and structural damage. How much coverage you buy is a personal decision, but consider buying higher limits if possible.
This protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your Chevy Suburban.
Because many people only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important.
Frequently Asked Questions
How can I find the cheapest insurance for my 1999 Chevrolet Suburban?
To find the cheapest insurance for your 1999 Chevrolet Suburban, you can follow these steps:
- Shop around: Obtain quotes from multiple insurance providers to compare prices and coverage options. This allows you to find the best deal for your specific needs.
- Maintain a good driving record: Insurance companies often offer lower rates to drivers with clean records. Avoid accidents and traffic violations to keep your premiums affordable.
- Increase your deductible: Opting for a higher deductible means you’ll pay more out of pocket in the event of a claim, but it can lower your insurance premium.
- Consider bundled policies: If you have other insurance needs, such as home or life insurance, combining them with your auto insurance under one provider can often result in discounted rates.
- Explore available discounts: Inquire about any discounts offered by insurance companies, such as multi-car discounts, safe driver discounts, or loyalty discounts. These can help reduce your premium costs.
Are there any specific features of a 1999 Chevrolet Suburban that can impact insurance rates?
Yes, certain features of a 1999 Chevrolet Suburban can affect insurance rates. Here are a few factors to consider:
- Vehicle age: Since the 1999 Chevrolet Suburban is an older model, it may have lower insurance rates compared to newer vehicles. Older vehicles generally have lower replacement costs, which can translate into lower premiums.
- Safety features: The presence of safety features, such as anti-lock brakes, airbags, and an anti-theft system, can lead to lower insurance rates. These features reduce the risk of accidents or theft, making the vehicle less expensive to insure.
- Vehicle usage: The intended use of your Chevrolet Suburban can impact insurance rates. If you use it for personal commuting, rates may differ compared to commercial or business use. Be sure to accurately specify the vehicle’s purpose when obtaining insurance quotes.
Can I get insurance coverage for a 1999 Chevrolet Suburban if it has high mileage?
Yes, you can still obtain insurance coverage for a 1999 Chevrolet Suburban with high mileage. Insurance companies typically focus on factors such as driving history, location, and the vehicle’s condition rather than its mileage alone. However, it’s important to note that a higher mileage vehicle may have increased wear and tear, which could potentially affect the cost of repairs in the event of a claim.
Are there any specific insurance considerations for owning an older vehicle like the 1999 Chevrolet Suburban?
Yes, owning an older vehicle like the 1999 Chevrolet Suburban may have some insurance considerations:
- Actual cash value: Insurance coverage for an older vehicle is usually based on its actual cash value (ACV), which considers factors such as depreciation. It’s important to be aware that the payout for a claim on an older vehicle may be lower than the cost of a comparable replacement vehicle.
- Collision and comprehensive coverage: Depending on the value of your vehicle, you may want to evaluate whether collision and comprehensive coverage are still cost-effective. If the cost of coverage exceeds the potential payout, you may choose to forgo these optional coverages.
- Regular maintenance: Properly maintaining your 1999 Chevrolet Suburban can help prevent mechanical issues and potentially lower your insurance rates. Regular servicing and addressing any known problems promptly can contribute to keeping your vehicle in good condition.
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