2017 Chevrolet Suburban Insurance Rates

Average insurance rates for a 2017 Chevrolet Suburban are $1,348 a year including full coverage. Comprehensive insurance costs an estimated $286 each year, collision costs $474, and liability costs around $430. Buying a liability-only policy costs as low as $486 a year, with high-risk insurance costing $2,908 or more. Teenage drivers receive the highest rates at $5,064 a year or more.

Annual premium for full coverage: $1,348

Rate estimates for 2017 Chevrolet Suburban Insurance

Rate data is compiled from all 50 U.S. states and averaged for all 2017 Chevrolet Suburban models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

View Chart as Image

These differences highlight why all drivers should compare prices for a targeted area and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Searching for the cheapest auto insurance rates for your Chevrolet Suburban? Tired of not being able to afford to pay high auto insurance rates every month? You are no different than most other people.

Due to the increasing number of choices of insurance companies, it is hard for the average consumer to locate the lowest cost insurance company.

Smart consumers take time to take a look at other company’s rates on a regular basis because prices are usually higher with each renewal. Even if you got the best deal for Suburban coverage at your last renewal other companies may now be cheaper. Forget all the misinformation about auto insurance because I’m going to let you in on the secrets to the easiest way to buy cheaper auto insurance.

Buying car insurance is easy if you know what you’re doing. Basically, every driver who carries car insurance should be able to reduce their rates. Nevertheless, drivers can benefit from knowing the way insurance companies market insurance on the web and take advantage of how the system works.

How to find cheap insurance coverage

All major insurance coverage companies such as GEICO, State Farm and Progressive give pricing from their websites. Getting quotes doesn’t take a lot of time because you just enter as detailed in the form. When complete, the quote system makes automated requests for information on your driving record and credit history and provides a quote. Online price quotes makes it easy to compare insurance prices but the time it takes to visit a lot of sites and enter the same data into a form is a big time waster. But it’s very important to perform this step in order to get the best price on insurance coverage.

Isn’t there an easier way to compare rates?

The easiest way to get multiple rate quotes uses just one form that gets prices from multiple companies. This type of form saves time, requires less work, and makes price shopping online much more efficient. Once the form is submitted, it is quoted and you are able to buy any one of the returned quotes. If one or more price quotes are lower than your current rates, you can simply submit the application and purchase coverage. The entire process just takes a couple of minutes and may save quite a bit of money.

To quickly find out if lower rates are available, simply click here to open in new window and input your coverage information. If you have coverage now, it’s recommended you duplicate the limits and deductibles as close as possible to your current policy. This helps ensure you’re receiving comparison quotes for similar insurance coverage.

Double check you’re getting these discounts

Car insurance can cost a lot, but you can get discounts to help bring down the price. Certain credits will be shown at the time of quoting, but a few must be specifically requested before you will receive the discount. If they aren’t giving you every credit you deserve, you could be saving more on your insurance coverage.

• Accident Forgiveness Coverage – but certain companies allow you one accident before raising your premiums so long as you haven’t had any claims for a set time period.
• Payment Discounts – If you pay your bill all at once rather than paying monthly you could save up to 5%.
• Anti-theft Discount – Cars, trucks, and SUVs with anti-theft systems are less likely to be stolen and therefore earn up to a 10% discount.
• Good Grades Discount – A discount for being a good student could provide a savings of up to 20% or more. You can use this discount normally up until you turn 25.
• Low Miles Discount – Keeping the miles down on your Chevy may allow you to get lower premium rates on the low mileage vehicles.
• ABS and Traction Control Discounts – Vehicles equipped with ABS or steering control can avoid accidents so you can save 10 percent or more.
• Renewal Discounts – A few insurance coverage companies give discounts for switching to them before your current expiration date. This discount can save up to 10%.
• Claim-Free Discount – Drivers who stay claim-free have much lower rates compared to policyholders that have many claims.
• E-sign – A handful of companies will give a small break just for signing your application on your computer.
• Defensive Driver Discount – Successfully completing a course teaching defensive driver skills may get you a small discount depending on where you live.

One thing to note about discounts is that most of the big mark downs will not be given to your bottom line cost. Some only apply to specific coverage prices like collision or personal injury protection. If you do the math and it seems like all the discounts add up to a free policy, you aren’t that lucky.

Popular insurance coverage companies and a partial list of their discounts are outlined below.

• State Farm may include discounts for anti-theft, defensive driving training, passive restraint, driver’s education, student away at school, multiple autos, and Drive Safe & Save.
• GEICO includes discounts for military active duty, multi-vehicle, federal employee, membership and employees, and anti-theft.
• Liberty Mutual may have discounts that include multi-car, multi-policy, new move discount, exclusive group savings, hybrid vehicle, and new graduate.
• The Hartford offers discounts including anti-theft, vehicle fuel type, air bag, bundle, driver training, and defensive driver.
• MetLife offers premium reductions for good student, multi-policy, good driver, claim-free, accident-free, and defensive driver.
• Progressive has discounts for multi-policy, homeowner, online signing, online quote discount, multi-vehicle, continuous coverage, and good student.

If you are trying to find the cheapest insurance quotes, ask each insurance company which discounts you may be entitled to. Discounts may not apply in your area. To view providers who offer cheap insurance coverage quotes, follow this link.

Special considerations

When choosing proper insurance coverage, there really is not a cookie cutter policy. Your needs are not the same as everyone else’s so this has to be addressed. Here are some questions about coverages that can aid in determining whether you would benefit from professional advice.

• Do I have newly-aquired coverage?
• Do I need an umbrella policy?
• Do I need roadside assistance coverage?
• Am I insured when driving a different vehicle?
• When can I cancel my policy?
• Should I bundle my homeowners policy with my auto?
• Why am I required to buy liability insurance?
• Is rental equipment covered for theft or damage?

If you don’t know the answers to these questions, you might consider talking to an agent. If you don’t have a local agent, take a second and complete this form or click here for a list of insurance companies in your area.

Smart consumers can lower their insurance costs

It’s important that you understand the different types of things that are used to determine insurance rates. When you understand what controls the rates you pay, this empowers consumers to make smart changes that could help you find lower premium levels. Lots of factors are part of the equation when you get your auto insurance bill. Some are pretty understandable such as traffic violations, but some are not quite as obvious such as your credit history or your commute time.

The following are some of the items used by companies to determine prices.

• Single drivers may pay higher costs – Having a spouse actually saves money when shopping for insurance. It translates into being more mature than a single person and insurance companies reward insureds because married drivers get in fewer accidents.
• More than one policy can earn a discount – Most major insurance companies apply a discount to people who have multiple policies with them. It’s known as a multi-policy discount. The discount can be ten percent or more. Even if you already get this discount, it’s in your best interest to compare other insurance prices to ensure the best deal.
• Teenage drivers pay more – Young drivers are statistically shown to be inattentive and easily distracted when at the wheel of a vehicle so insurance rates are higher. Having to add a teen driver to your policy will cause a huge premium hike. Older people have been proven to be more responsible, cost insurance companies less in claims .
• Annual mileage impacts costs – The more you drive in a year the higher your rates will be. Almost all companies apply a rate based on how the vehicle is used. Cars that do not get driven very much can be on a lower rate level than those used for commuting. Having the wrong rating on your Suburban may be wasting your money. Double check that your insurance policy states the correct driver usage.
• Costs for men may be higher – Over the last 50 years, statistics have shown that females take fewer risks when driving. However, don’t assume that women are better drivers. Males and females get in fender benders at a similar rate, but the male of the species have accidents that have higher claims. They also receive more major tickets like DWI (DUI) or reckless driving. Male teenagers are most likely to cause an accident and therefore have the most expensive insurance rates.

Auto insurance policy coverages for a 2017 Chevy Suburban

Understanding the coverages of your policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be difficult to understand and reading a policy is terribly boring. Below you’ll find typical coverages found on the average auto insurance policy.

Protection from uninsured/underinsured drivers

This coverage provides protection when other motorists are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family as well as damage to your Chevy Suburban.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea.

Collision insurance

Collision coverage will pay to fix damage to your Suburban from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, backing into a parked car, damaging your car on a curb and colliding with another moving vehicle. 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 to save money on collision insurance.

Medical expense insurance

Medical payments and Personal Injury Protection insurance reimburse you for bills such as chiropractic care, dental work, funeral costs, X-ray expenses and nursing services. The coverages can be utilized in addition to your health insurance program or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states but it provides additional coverages not offered by medical payments coverage

Comprehensive (Other than Collision)

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

Comprehensive coverage protects against claims such as a broken windshield, falling objects, fire damage and hitting a deer. The most a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much it’s not worth carrying full coverage.

Coverage for liability

This coverage will cover injuries or damage you cause to other’s property or people that is your fault. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

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 might see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a total limit of $100,000 for damage to vehicles and property.

Liability can pay for things like repair bills for other people’s vehicles, court costs and medical expenses. How much liability coverage do you need? That is up to you, but consider buying as large an amount as possible.

Buy online or local, you save

Some auto insurance companies do not provide the ability to get a quote online and usually these smaller companies sell through independent agents. More affordable auto insurance can be bought on the web and with local insurance agents, and you should compare price quotes from both to get a complete price analysis.

In this article, we presented many ideas to reduce 2017 Chevy Suburban insurance rates online. The key concept to understand is the more price quotes you have, the better your chances of lowering your car insurance rates. You may be surprised to find that the most savings is with a small local company. They may only write in your state and offer lower car insurance rates than their larger competitors like State Farm and Allstate.

Use our FREE quote tool to compare rates now!

Additional learning opportunities

• Event Data Recorders FAQ (iihs.org)
• Medical Payments Coverage (Liberty Mutual)
• Steps to Take After an Auto Accident (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)