2005 Chevrolet Suburban Insurance Rates

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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 11, 2022

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Searching for better insurance rates for your Chevrolet Suburban? Expensive insurance can overdraw your savings account, especially in this economy. Comparison shopping is free and is an excellent way to reduce premiums and put more money in your pocket.

You have multiple car insurance companies to choose from, and although it’s a good thing to have multiple companies, having more insurance companies makes it harder to find a good deal.

You should make it a habit to shop coverage around periodically since rates are rarely the same from one policy term to another. Even if you got the best rates for Suburban coverage two years ago there may be better deals available now. There is a lot of bad information regarding insurance on the internet, so by reading this article, you’re going to learn some good information on how to buy insurance cheaper.

Chevy Suburban rates are in the details

Smart consumers have a good feel for some of the elements that play a part in calculating the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that can help you get better auto insurance rates.

  • Marriage brings a discount – Getting married helps lower the price on your auto insurance policy. Having a significant other usually means you are more responsible and it’s statistically proven that being married results in fewer claims.
  • Traffic citations inflate rates – Good drivers get better rates than bad drivers. Just one citation can increase rates twenty percent or more. If you have serious violations such as DWI, reckless driving or hit and run convictions may find they need to file a proof of financial responsibility form (SR-22) to the state department of motor vehicles in order to continue driving.
  • Drive a safer car and pay less – Cars with high safety ratings are cheaper to insure. These vehicles reduce injuries and lower injury rates means lower claim amounts and more competitive rates for policyholders. If your Chevy Suburban scored better than an “acceptable” rating on the Insurance Institute for Highway Safety website it is probably cheaper to insure.
  • Where you live can impact rates – Living in a rural area can be a good thing when buying auto insurance. City drivers have to deal with much more traffic and longer commute times. Lower population means fewer accidents and a lower car theft rate.

The best way to compare car insurance company rates is to know the trick almost all companies will pay a fee to provide you with a free rate quote. The one thing you need to do is provide details including if you are currently licensed, whether your vehicle is owned or leased, marital status, and if you went to college. That information is then sent to multiple top-rated companies and they respond with quotes quickly.

Misconceptions in insurance coverage advertisements

Insurance coverage companies such as Allstate, GEICO and Progressive regularly use ads in print and on television. They all seem to make the same claim of big savings if you move to them. How does each company say the same thing? It’s all in the numbers.

Different companies can use profiling for the driver that makes them money. A good example of a desirable insured might be profiled as over the age of 40, has no driving citations, and has a short commute. A customer getting a price quote that hits that “sweet spot” receives the best rates and as a result will probably cut their rates substantially.

Consumers who don’t measure up to this ideal profile will be charged a higher premium which usually ends up with the customer not buying. The ads state “customers that switch” not “everyone that quotes” save that kind of money. That is how companies can truthfully make those claims. That is why drivers should get as many quotes as possible. You cannot predict the company that will give you the biggest savings on Chevy Suburban insurance.

How to reduce 2005 Chevy Suburban insurance rates

Auto insurance companies do not advertise all their discounts very well, so we break down both well-publicized as well as the least known ways to save on car insurance.

  • Good Student – Getting good grades can earn a discount of 20% or more. The discount lasts up until you turn 25.
  • Anti-lock Brake System – Anti-lock brake equipped vehicles can avoid accidents and therefore earn up to a 10% discount.
  • Claim Free – Claim-free drivers can save substantially when compared with drivers who are more careless.
  • Driver Safety – Taking a course teaching defensive driving skills could save 5% or more and easily recoup the cost of the course.
  • Accident Forgiveness – Certain companies will allow you to have one accident before raising your premiums so long as you haven’t had any claims for a certain period of time.
  • Drivers Education – Have your child successfully complete driver’s ed class in high school.
  • Multiple Policy Discount – If you insure your home and vehicles with one insurance company you may earn approximately 10% to 15%.
  • Pay Upfront and Save – If you pay your entire premium ahead of time instead of monthly or quarterly installments you can actually save on your bill.
  • Senior Discount – If you’re over the age of 55, you may be able to get reduced rates for Suburban coverage.

Drivers should understand that most discounts do not apply to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. Even though it may seem like having all the discounts means you get insurance for free, you won’t be that lucky.

Insurance companies who might offer these money-saving discounts may include but are not limited to:

Double check with every prospective company which discounts they offer. Savings may not apply in your state.

Tailor your coverage to you

When buying the right insurance coverage for your vehicles, there really is no perfect coverage plan. Everyone’s needs are different and your policy should reflect that. These are some specific questions may help highlight if your insurance needs might need an agent’s assistance.

  • Are my friends covered when driving my 2005 Chevy Suburban?
  • Am I covered if I break a side mirror?
  • Is there coverage for injuries to my pets?
  • Should I drop comprehensive coverage on older vehicles?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • When should I remove comp and collision on my 2005 Chevy Suburban?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • Does my insurance cover my expensive audio equipment?
  • Am I covered by my spouse’s policy after a separation?
  • I don’t drive much so do I pay less?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Insurance coverage specifics

Learning about specific coverages of your insurance policy can help you determine which coverages you need and proper limits and deductibles. Insurance terms can be difficult to understand and nobody wants to actually read their policy. Listed below are the usual coverages offered by insurance companies.

Auto collision coverage

Collision coverage pays to fix your vehicle from damage caused by collision with a stationary object or other vehicle. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like hitting a mailbox, crashing into a building, rolling your car, sustaining damage from a pot hole and crashing into a ditch. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to raise the deductible to get cheaper collision coverage.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like damage from a tornado or hurricane, theft and vandalism. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Medical costs insurance

Coverage for medical payments and/or PIP kick in for short-term medical expenses for things like X-ray expenses, surgery and hospital visits. They are often utilized in addition to your health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not available in all states and gives slightly broader coverage than med pay

UM/UIM Coverage

This provides protection when the “other guys” either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Chevy Suburban.

Since many drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is very important.

Liability insurance

Liability insurance can cover damage or injury you incur to a person or their property in an accident. This coverage protects you against claims from other people. It does not cover your injuries or vehicle damage.

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 limits of 25/50/25 that means you have $25,000 bodily injury coverage, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage pays for claims like medical expenses, funeral expenses and medical services. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

You can do this!

When trying to cut insurance costs, do not skimp on coverage in order to save money. There are too many instances where someone dropped physical damage coverage and found out when filing a claim they didn’t have enough coverage. Your focus should be to purchase plenty of coverage at the best price.

Low-cost 2005 Chevy Suburban insurance is available on the web and also from your neighborhood agents, so you should compare both to get a complete price analysis. There are still a few companies who may not provide online price quotes and these regional insurance providers work with independent agents.

Additional detailed information can be found at these sites:

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