Save on 2008 Chevrolet Suburban Insurance Rates
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UPDATED: May 12, 2022
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Searching for cheaper auto insurance rates for your Chevrolet Suburban? I can’t think of a single person who likes paying for auto insurance, especially when they are paying too much.
Popular companies such as State Farm and GEICO increase brand awareness with fancy advertisements and consumers find it hard to ignore the promise of big savings and find the best price available.
It’s important to compare prices yearly because rates are rarely the same from one policy term to another. Just because you found the lowest rates on Suburban insurance six months ago you can probably find a better price now. You’ll find quite a bit of inaccurate information about auto insurance online but by reading this article, you’re going to learn the best ways to quit paying high auto insurance rates.
If you currently have car insurance, you will be able to save some money using these techniques. Buying car insurance is not rocket science. But consumers must know the methods companies use to price insurance differently because it can help you find the best coverage.
Discounts are great for lower rates
Companies offering auto insurance don’t always advertise all their discounts very clearly, so we took the time to find both the well known and also the lesser-known ways to save on car insurance.
- Homeowners Pay Less – Owning a house can save you money because maintaining a house is proof that your finances are in order.
- Accident Free – Drivers with accident-free driving histories pay much less compared to bad drivers.
- Multiple Cars – Buying coverage for all your vehicles on the same car insurance policy may reduce the rate for each vehicle.
- Multi-policy Discount – If you have multiple policies with one company you could get a discount of 10% to 20% off each policy.
- Save over 55 – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on Suburban insurance.
- Theft Prevention Discount – Vehicles equipped with anti-theft or alarm systems are stolen less frequently and will save you 10% or more.
- Drivers Ed for Students – Require your teen driver to successfully complete driver’s ed class if it’s offered in school.
- Pay Upfront and Save – If you pay your bill all at once rather than paying monthly you could save 5% or more.
- Organization Discounts – Being a member of a qualifying organization may earn a discount when buying car insurance on Suburban insurance.
- Discount for New Cars – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
It’s important to note that some credits don’t apply the whole policy. Most only cut the cost of specific coverages such as collision or personal injury protection. Just because you may think having all the discounts means you get insurance for free, companies don’t profit that way.
For a list of insurance companies with the best car insurance discounts, follow this link.
How to Compare Insurance Coverage
When shopping for insurance coverage there are multiple ways to get quotes and find the best price. The best method to find competitive 2008 Chevy Suburban insurance rates is simply to get online rate quotes. It is quite easy and can be accomplished in a couple of different ways.
- The easiest and least time consuming way to find low rates is a comparison rater form click here to open form in new window. This easy form saves time by eliminating boring form submissions for each company. One form will get you rate comparisons from many national carriers.
- A less efficient way to analyze rates requires visiting each individual company website to complete their respective quote request forms. For sake of this example, we’ll assume you want rates from Auto-Owners, GEICO and Allstate. To get rate quotes you would need to take the time to go to each site to enter your coverage information, and that’s why the first method is more popular.
To view a list of companies in your area, click here.
- The least recommended method of getting rate comparisons is to spend your day driving to local insurance agencies. The internet eliminates the need for an insurance agent unless you want the professional advice only provided by licensed agents. Drivers can get prices online but still have the advice of a local agent.
Whichever method you choose, compare apples-to-apples coverages for every quote you compare. If you have different liability limits it’s impossible to determine the best price for your Chevy Suburban. Just a small difference in coverage limits may result in a large different in cost. Just remember that more quotes will increase your chances of finding the best rates.
Pieces of the Chevy Suburban insurance rate puzzle
An important part of buying insurance is that you know some of the elements that come into play when calculating the rates you pay for auto insurance. When you know what positively or negatively determines base rates allows you to make educated decisions that could result in better auto insurance rates.
- Your credit rating is important – A driver’s credit score is a important factor in calculating your auto insurance rates. Drivers with high credit ratings tend to file fewer claims and have better driving records as compared to drivers with poor credit. Therefore, if your credit is low, you could be paying less to insure your 2008 Chevrolet Suburban by improving your rating.
- Men are more aggressive – Statistics show women are more cautious behind the wheel. However, this does not mean men are worse drivers. They both cause accidents in similar numbers, but the males have costlier accidents. They also receive more costly citations like DUI and reckless driving. Teenage male drivers are most likely to cause an accident and are penalized with high auto insurance rates.
- Traffic citations inflate rates – Only having one citation may increase your cost by twenty percent. Drivers with clean records have lower premiums than bad drivers. Drivers with serious tickets like hit and run, DWI or reckless driving convictions are required to submit a SR-22 form with their state DMV in order to continue driving.
- Do you qualify for a multi-policy discount? – Most insurers give discounts to policyholders who consolidate policies with them. It’s known as a multi-policy discount. Discounts can add up to five, ten or even twenty percent. Even though this discount sounds good, it’s in your best interest to shop around to make sure you are getting the best deal.
You may need specialized coverage
When it comes to choosing coverage for your personal vehicles, there isn’t really a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For example, these questions can help discover if you might need professional guidance.
- How can I find cheaper teen driver insurance?
- When should I remove comp and collision on my 2008 Chevy Suburban?
- Will I lose any money if I cancel my policy before it expires?
- Does having multiple vehicles earn me a discount?
- When would I need additional glass coverage?
- Am I covered when driving a rental car?
- Are all vehicle passengers covered by medical payments coverage?
If it’s difficult to answer those 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, complete this form or you can go here for a list of companies in your area.
Car insurance specifics
Learning about specific coverages of car insurance can help you determine which coverages you need and the correct deductibles and limits. Policy terminology can be difficult to understand and reading a policy is terribly boring. Below you’ll find the usual coverages available from car insurance companies.
Auto liability insurance – Liability coverage will cover injuries or damage you cause to people or other property. It protects YOU from claims by other people. Liability doesn’t cover your own vehicle damage or injuries.
Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 25/50/25 which means a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.
Liability insurance covers claims such as attorney fees, repair bills for other people’s vehicles, structural damage, medical services and loss of income. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.
Collision – Collision insurance covers damage to your Suburban resulting from colliding with an object or car. A deductible applies and then insurance will cover the remainder.
Collision can pay for things like sustaining damage from a pot hole, colliding with another moving vehicle, hitting a mailbox and crashing into a building. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. It’s also possible to increase the deductible in order to get cheaper collision rates.
Comprehensive or Other Than Collision – Comprehensive insurance coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.
Comprehensive insurance covers claims like theft, a tree branch falling on your vehicle, damage from a tornado or hurricane, damage from getting keyed and fire damage. The highest amount you’ll receive from a claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.
UM/UIM Coverage – Uninsured or Underinsured Motorist coverage protects you and your vehicle’s occupants from other motorists when they either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.
Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.
Medical costs insurance – Med pay and PIP coverage pay for immediate expenses for prosthetic devices, funeral costs, rehabilitation expenses and X-ray expenses. They are utilized in addition to your health insurance program or if you lack health insurance entirely. Coverage applies to both the driver and occupants as well as if you are hit as a while walking down the street. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage
Compare but don’t skimp
We’ve covered some good ideas how you can shop for 2008 Chevy Suburban insurance online. The key thing to remember is the more times you quote, the better chance you’ll have of finding lower rates. You may even find the lowest premiums are with a company that doesn’t do a lot of advertising. Smaller companies may often insure only within specific states and give getter rates compared to the large companies like Allstate or State Farm.
As you shop your coverage around, it’s very important that you do not buy poor coverage just to save money. There are a lot of situations where an insured cut liability coverage limits only to find out they didn’t purchase enough coverage. The proper strategy is to buy the best coverage you can find at a price you can afford while still protecting your assets.
For more information, link through to the resources below:
- Crash Avoidance Technologies FAQ (iihs.org)
- Understanding your Policy (NAIC.org)
- Things to Know Before you Cancel Insurance (Allstate)
- What are my Rights when Filing a Claim? (Insurance Information Insitute)
- Credit and Insurance Scores (Insurance Information Insitute)
- Electronic Stability Control FAQ (iihs.org)
Frequently Asked Questions
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