Lower Your 2004 Chevrolet Suburban Car Insurance Cost

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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Want lower insurance coverage rates for your Chevrolet Suburban? Trying to find low-cost insurance for your Chevy Suburban can be a painful process, but you can learn a few tricks to make it easier. There are both good and bad ways to find insurance coverage online and you need to know the best way to compare rates for a new or used Chevy and find the cheapest rates either online or from local insurance agents.

Consumers need to compare rates once or twice a year because rates trend upward over time. Just because you had the best rates for Suburban insurance a couple years back there is a good chance you can find better rates now. You can find a lot of misleading information regarding insurance coverage on the web, but by reading this article, you’re going to learn some tested techniques to find cheap insurance coverage.

Comprehensive Insurance Comparison Quotes

Shopping for lower insurance rates can be a lot of work if you aren’t aware of the most efficient way. You can spend countless hours driving to agents in your area, or you can stay home and use online quoting to achieve your goal.

Many popular insurance companies are enrolled in a marketplace that enables customers to complete one form, and every company provides a quote based on the submitted data. This saves time by eliminating quote forms for each company you want a rate for.

To get comparison pricing now click here to open in new window.

The only drawback to getting quotes like this is buyers cannot specifically choose which carriers you will receive quotes from. If you wish to select individual companies to compare rates, we have assembled a list of insurance companies in your area. Click to view list.

Whichever method you choose, make absolute certain that you use exactly the same coverage information for each price quote. If you enter differing limits then you won’t be able to truly determine the lowest rate.

Don’t miss out on these money-saving discounts

Companies that sell car insurance don’t always publicize all available discounts very clearly, so we break down some of the best known and the harder-to-find savings tricks you should be using. If you’re not getting every credit possible, you’re just leaving money on the table.

  • New Car Discount – Buying coverage on a new vehicle is cheaper due to better safety requirements for new cars.
  • Anti-theft Discount – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less for Suburban insurance than drivers with accidents.
  • Passive Restraints and Air Bags – Factory air bags or automatic seat belts can receive discounts of up to 25% or more.
  • Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. This discount can apply up to age 25.
  • Driver’s Ed – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Accident Waiver – Certain companies will allow you to have one accident without raising rates as long as you don’t have any claims for a set time period.

A little note about advertised discounts, most discounts do not apply to the entire policy premium. The majority will only reduce the cost of specific coverages such as physical damage coverage or medical payments. So even though they make it sound like you would end up receiving a 100% discount, companies don’t profit that way.

To see a list of insurers with the best car insurance discounts, click here to view.

Do I need special coverages?

When choosing the right insurance coverage, there really is no perfect coverage plan. Everyone’s situation is a little different.

Here are some questions about coverages that can help discover if you will benefit from professional help.

  • What is UM/UIM insurance?
  • What if I owe more than I can insure my car for?
  • Do I get a pro-rated refund if I cancel my policy early?
  • Do I need rental car coverage?
  • Is business equipment covered while in my vehicle?
  • Does my insurance cover a custom paint job?
  • Is business property covered if stolen from my car?
  • How can I get high-risk coverage after a DUI?
  • Do I need special endorsements for business use of my vehicle?

If you can’t answer these questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, fill out this quick form. It’s fast, doesn’t cost anything and you can get the answers you need.

Chevy Suburban rates influenced by many factors

Consumers need to have an understanding of some of the elements that come into play when calculating the price you pay for car insurance. When you know what positively or negatively controls the rates you pay helps enable you to make changes that could result in better car insurance rates.

  • Where you live – Living in small towns and rural areas can be a good thing when it comes to car insurance. City drivers tend to have much more traffic and longer commute times. Fewer people means reduced accidents and also fewer theft and vandalism claims.
  • Your occupation can affect rates – Careers like lawyers, business owners and dentists have the highest average rates because of job stress and long work days. Other occupations such as scientists, historians and retirees get better rates for Suburban insurance.
  • Pleasure use or commuting – The higher the mileage driven every year the higher your rates will be. The majority of insurers rate vehicles based on how the vehicle is used. Cars and trucks that are left in the garage qualify for better rates as compared to vehicles used primarily for driving to work. Having the wrong rating on your Suburban may be costing you. Verify your car insurance declarations sheet is showing the correct usage for each vehicle.
  • Being married can save on car insurance – Having a spouse can actually save you money on your car insurance policy. It translates into being more mature than a single person and it’s statistically proven that married couples file fewer claims.
  • Multi-policy discounts can save money – The majority of insurers will give a discount to customers who buy several policies from them, otherwise known as a multi-policy discount. Even with this discount, it’s in your best interest to shop around to make sure you are getting the best deal.
  • Do you have enough liability coverage? – The liability section of your policy will protect you if you are found liable for damages caused by your negligence. Liability insurance provides you with a defense in court up to the limits shown on your policy. Carrying liability coverage is mandatory and cheap compared to insuring for physical damage coverage, so buy as much as you can afford.
  • Cautious drivers pay less – Even one moving violation can boost insurance rates by twenty percent. Careful drivers receive lower rates than people who have multiple driving citations. If you have severe violations like reckless driving, hit and run or driving under the influence may find they need to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to drive a vehicle legally.
  • Always keep insurance in force – Allowing your car insurance policy to lapse is a sure-fire way to increase your car insurance rates. And not only will insurance be more expensive, but not being able to provide proof of insurance will get you a steep fine or even jail time.

Switch companies and save? Really?

Consumers constantly see and hear ads for the lowest price auto insurance by Progressive, GEICO, Allstate and State Farm. All the ads make an identical promise that you can save if you move to their company.

But how can every company make almost identical claims? It’s all in the numbers.

All companies are able to cherry pick for the type of customer they prefer to insure. A good example of a profitable customer could possibly be between the ages of 40 and 55, a clean driving record, and has a short commute. Any driver that hits that “sweet spot” will qualify for the lowest rates and therefore will pay quite a bit less when switching companies.

Potential insureds who are not a match for this ideal profile must pay higher premiums which usually ends up with the driver buying from a lower-cost company. The ad wording is “drivers who switch” not “people who quote” save that kind of money. That’s why companies can make the claims of big savings. This illustrates why drivers should get a wide range of price quotes. You cannot predict the company that will provide you with the cheapest Chevy Suburban insurance rates.

Educate yourself about auto insurance coverages

Learning about specific coverages of a auto insurance policy can help you determine which coverages you need for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Uninsured or underinsured coverage

Your UM/UIM coverage provides protection when the “other guys” are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Chevy Suburban.

Because many people carry very low liability coverage limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense coverage

Med pay and PIP coverage kick in for expenses like EMT expenses, hospital visits and X-ray expenses. They can be used in conjunction with a health insurance program or if there is no health insurance coverage. They cover both the driver and occupants and also covers if you are hit as a while walking down the street. PIP coverage is not an option in every state and may carry a deductible

Comprehensive protection

Comprehensive insurance pays for damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like fire damage, rock chips in glass, falling objects and damage from flooding. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Liability

This provides protection from damages or injuries you inflict on other people or property that is your fault. This coverage protects you from claims by other people. It does not cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see liability limits of 25/50/25 which stand for $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability can pay for things such as attorney fees, structural damage and pain and suffering. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Collision coverage protection

This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as hitting a mailbox, crashing into a ditch, sustaining damage from a pot hole, sideswiping another vehicle and crashing into a building. This coverage can be expensive, so consider removing coverage from vehicles that are 8 years or older. Drivers also have the option to bump up the deductible to save money on collision insurance.

Take this to the bank

Insureds switch companies for any number of reasons including an unsatisfactory settlement offer, being labeled a high risk driver, not issuing a premium refund and poor customer service. Regardless of your reason for switching companies, switching insurance coverage companies can be easy and end up saving you some money.

We just covered a lot of tips how to lower your 2004 Chevy Suburban insurance rates. It’s most important to understand that the more providers you compare, the higher your chance of finding lower rates. Drivers may discover the best prices are with the smaller companies.

When shopping online for insurance coverage, make sure you don’t skimp on coverage in order to save money. In many instances, an insured dropped comprehensive coverage or liability limits and found out when filing a claim that a couple dollars of savings turned into a financial nightmare. Your focus should be to get the best coverage possible at the best price while still protecting your assets.

More detailed insurance coverage information is located at these sites:

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