2013 Chevrolet Suburban 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: Sep 2, 2022

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Want cheaper insurance coverage rates for your Chevrolet Suburban? Nobody I know enjoys paying for insurance coverage, especially when their premiums are through the roof.

Lots of insurance companies contend to insure your vehicles, so it’s not easy to compare every company and uncover the absolute cheapest price

It’s a great practice to shop coverage around before your policy renews due to the fact that insurance rates trend upward over time. If you had the best rates on Suburban insurance six months ago there may be better deals available now. Ignore everything you know about insurance coverage because I’m going to let you in on the secrets to the best methods to get good coverage at a lower rate.

Vehicle Insurance Comparison

Shopping for lower insurance coverage rates can be exhausting if you don’t utilize the easiest way. You could waste time talking about coverages with agents in your area, or you could save time and use the internet to achieve your goal.

Most of the best insurance companies belong to an insurance system that allows shoppers to submit one quote, and at least one company can provide price quotes determined by their information. This eliminates the need for repetitive form submissions for every insurance coverage company.

To submit your quote information now, click to open in new window.

The single downside to doing it this way is you can’t choose the companies to receive prices from. So if you want to select individual companies to compare, we have a page of insurance coverage companies in your area. Click here to view list.

Which method you use is up to you, but compare identical information on every quote you get. If you enter different values for each quote you will not be able to find the best deal for your Chevy Suburban. Just a small difference in coverage limits may result in large price differences. And when comparison shopping, obtaining a wide range of quotes gives you a better chance of getting a lower rate.

Discounts are great for lower rates

Auto insurance companies don’t always advertise every discount very clearly, so we break down both the well known and the more hidden savings tricks you should be using.

  • Life Insurance Discount – Companies who offer life insurance give better rates if you take out auto and life insurance together.
  • Defensive Driver – Successfully completing a driver safety course could possibly earn you a 5% discount depending on where you live.
  • Sign Early and Save – Some insurance companies reward drivers for switching to them before your current policy expires. It can save you around 10%.
  • Payment Method – By paying your policy upfront instead of monthly or quarterly installments you can actually save on your bill.
  • Resident Student – Any of your kids who attend school more than 100 miles from home and don’t have a car can be insured at a reduced rate.
  • Homeowners Discount – Owning a home may trigger a insurance policy discount due to the fact that maintaining a home requires personal responsibility.
  • Auto/Home Discount – If you have multiple policies with the same company you may save 10% to 20% off each policy.
  • Claim Free – Good drivers with no accidents pay much less compared to accident-prone drivers.
  • Drivers Education – Have your child take driver’s ed class in high school.
  • Military Discounts – Having a deployed family member may qualify for rate reductions.

Consumers should know that many deductions do not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like comprehensive or collision. Even though it may seem like all those discounts means the company will pay you, you won’t be that lucky.

A partial list of companies that may offer these benefits may include but are not limited to:

It’s a good idea to ask each company how you can save money. Savings might not apply in every state.

You may need specialized coverage

When it comes to choosing coverage, there is no “perfect” insurance plan. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions might help in determining if your insurance needs could use an agent’s help.

  • Should I drop comprehensive coverage on older vehicles?
  • Are there companies who specialize in insuring high-risk drivers?
  • Is business property covered if stolen from my car?
  • Is rental equipment covered for theft or damage?
  • Do I really need UM/UIM coverage?
  • Am I covered if I hit my neighbor’s mailbox?
  • I have a DUI can I still get coverage?

If you don’t know the answers to these questions but a few of them apply, you might consider talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

What insurance coverages do you need?

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

Collision – This coverage pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as driving through your garage door, damaging your car on a curb, colliding with another moving vehicle and hitting a mailbox. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also raise the deductible to save money on collision insurance.

Comprehensive protection – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive coverage protects against things such as damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a bird and rock chips in glass. The highest amount your insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your 2013 Chevy Suburban.

Because many people only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Auto liability insurance – Liability coverage provides protection from damage or injury you incur to people or other property. This insurance protects YOU from claims by other people, and does not provide coverage for damage to your own property or vehicle.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. You might see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property.

Liability can pay for claims like structural damage, medical expenses, funeral expenses and court costs. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Medical expense coverage – Personal Injury Protection (PIP) and medical payments coverage pay for expenses for prosthetic devices, hospital visits, EMT expenses, funeral costs and X-ray expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Be a money saver!

Affordable 2013 Chevy Suburban insurance can be found on the web and also from your neighborhood agents, and you should compare price quotes from both in order to have the best chance of saving money. There are still a few companies who may not provide online price quotes and these small insurance companies work with independent agents.

When buying insurance coverage, don’t be tempted to skimp on coverage in order to save money. There are too many instances where an insured dropped liability limits or collision coverage only to discover later that a couple dollars of savings turned into a financial nightmare. Your strategy should be to purchase plenty of coverage at the best price while not skimping on critical coverages.

For more information, feel free to visit the articles below:

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