Lower Your 2017 Chevrolet Suburban Insurance Quotes in 2024

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 19, 2024

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Do you think you bought an overpriced auto insurance policy? It’s a common feeling and many drivers feel the same as you.

Lots of car insurance companies contend for your insurance dollar, so it can be very hard to choose a insurance company and uncover the absolute best price available.

If you currently have car insurance, you will most likely be able to cut costs considerably using this strategy. Choosing the best insurance company for you is not that difficult. Although drivers should learn the way insurance companies price online insurance.

Why your insurance premiums might be higher

An important part of buying insurance is that you know the different types of things that play a part in calculating the rates you pay for auto insurance. When you understand what determines premiums, this enables you to make decisions that could result in big savings. Lots of things are part of the calculation when you get your auto insurance bill. A few of the factors are predictable such as your driving record, but others are less apparent like where you live or how financially stable you are.

  • You might want pay the small claims yourself – Insurance companies generally give cheaper rates to insureds who do not rely on their insurance for small claims. If you tend to file frequent claims, you can expect much higher rates or policy non-renewal. Insurance coverage is intended to be relied upon for the large, substantial claims.
  • Do you have enough liability? – Liability insurance will protect you if ever you are responsible for causing personal injury or damage in an accident. It will provide legal defense coverage to defend your case. Liability insurance is quite affordable when compared with rates for comp and collision, so drivers should carry high limits.
  • Gender is a factor – Over the last 30 years, statistics show women are more cautious behind the wheel. It does not mean women are better drivers. Females and males cause accidents in similar percentages, but the males have costlier accidents. Not only are claims higher, but men receive more major tickets like reckless driving and DUI. Teenage male drivers are most likely to cause an accident and therefore have the most expensive auto insurance rates.
  • lapses raise auto insurance rates – Driving without insurance coverage in place can get your license suspended and any future policy may cost more because you let your insurance lapse for non-payment. And not only will your rates increase, not being able to provide proof of insurance may result in fines or a revoked license. You will then be forced to provide proof of insurance in the form of an SR-22 filing with your state motor vehicle department to get your license reinstated.
  • Cheaper auto insurance rates with safer cars – Cars with five star safety ratings tend to have lower insurance rates. Safer cars reduce occupant injuries and fewer injuries means lower claim amounts and cheaper rates on your policy.
  • More stress means more cost – Occupations like real estate brokers, air traffic controllers and medical professionals tend to have higher average rates because of intense work-related stress and long work hours. Other careers like professors, historians and the unemployed have lower than average premiums on Suburban coverage.
  • Don’t get traffic citations – Careful drivers pay lower auto insurance prices compared to drivers with tickets. Just one chargeable violation can bump up the cost by as much as thirty percent. Drivers who have gotten severe violations like hit and run, DWI or reckless driving convictions may be required to maintain a SR-22 with their state in order to keep their license.
  • Location can affect price – Residing in small towns and rural areas can save you money when it comes to auto insurance. Drivers in populated areas have to deal with much more traffic and much longer commute distances. Fewer people means less chance of accidents and a lower car theft rate.

Insurance discounts help lower rates

Insurance can be prohibitively expensive, but there’s a good chance there are discounts to reduce the price significantly. Many discounts should be triggered at the time you complete a quote, but a few need to be specifically requested before you will receive the discount. If you are not receiving all the discounts you deserve, you are not getting the best rate possible.

  • Auto/Home Discount – If you combine your home and auto policies and place coverage with the same company you could save up to 20% off your total premium.
  • 55 and Retired – Seniors may qualify for reduced rates on Suburban coverage.
  • E-sign – Many insurance companies give back up to $50 simply for signing online.
  • Full Payment Discount – If you can afford to pay the entire bill rather than paying in monthly installments you can avoid monthly service charges.
  • Discounts for Government Workers – Simply working for the federal government may qualify for a discount when you quote insurance on Suburban coverage with select insurance companies.
  • Multi-line Discount – Some insurance companies give a lower price if you buy a life policy as well.

Don’t be surprised that most credits do not apply to all coverage premiums. The majority will only reduce specific coverage prices like liability and collision coverage. Despite the fact that it seems like all those discounts means the company will pay you, it just doesn’t work that way.

A list of insurance companies and some of their more popular discounts are:

  • Progressive discounts include continuous coverage, online signing, online quote discount, multi-vehicle, and multi-policy.
  • GEICO policyholders can earn discounts including air bags, multi-vehicle, seat belt use, anti-lock brakes, anti-theft, and five-year accident-free.
  • State Farm has discounts for student away at school, driver’s education, anti-theft, passive restraint, safe vehicle, good student, and Drive Safe & Save.
  • Esurance offers premium reductions for online shopper, good driver, homeowner, anti-theft, Switch & Save, DriveSense, and paid-in-full.
  • The Hartford may offer discounts for air bag, good student, bundle, vehicle fuel type, driver training, anti-theft, and defensive driver.

When getting a coverage quote, ask each company or agent which discounts you qualify for. Some discounts may not apply in every state.

Which is the best insurance coverage?

When it comes to choosing coverage for your personal vehicles, there really is not a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions can help discover if your situation may require specific advice.

  • How does medical payments coverage work?
  • What discounts do I qualify for?
  • Do I need replacement cost coverage on my 2017 Chevy Suburban?
  • Does my insurance cover a custom paint job?
  • When would I need additional glass coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need PIP (personal injury protection) coverage in my state?
  • Should I have combined single limit or split liability limits?
  • Is my babysitter covered when using my vehicle?
  • 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 then you might want to talk to a licensed agent. To find lower rates from a local agent, fill out your zip code.

Specifics of your insurance policy

Knowing the specifics of your policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be difficult to understand and reading a policy is terribly boring. These are typical coverages found on the average insurance policy.

Medical expense insurance – Coverage for medical payments and/or PIP pay for short-term medical expenses like nursing services, prosthetic devices, surgery, pain medications and chiropractic care. The coverages can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. It covers you and your occupants as well as being hit by a car walking across the street. PIP coverage is only offered in select states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – Your UM/UIM coverage gives you protection from other drivers when they either have no liability insurance or not enough. Covered losses include medical payments for you and your occupants and also any damage incurred to your Chevy Suburban.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Normally these coverages are identical to your policy’s liability coverage.

Collision coverage – Collision insurance pays to fix your vehicle from damage from colliding with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision can pay for things such as crashing into a ditch, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. Another option is to raise the deductible to bring the cost down.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for claims like damage from flooding, hitting a bird, damage from getting keyed, hitting a deer and falling objects. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability – This can cover damages or injuries you inflict on other’s property or people that is your fault. It protects you from claims by other people. It does not cover your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have liability limits of 50/100/50 which stand for $50,000 bodily injury coverage, a limit of $100,000 in injury protection per accident, and a limit of $50,000 paid for damaged property. Occasionally you may see a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things like attorney fees, repair bills for other people’s vehicles and emergency aid. How much coverage you buy is a decision to put some thought into, but buy higher limits if possible.

Online plus local equals savings

Throughout this article, we presented a lot of techniques to reduce 2017 Chevy Suburban insurance rates online. The key concept to understand is the more rate comparisons you have, the more likely it is that you will get a better rate. You may even discover the lowest rates are with some of the smallest insurance companies. These companies can often provide lower auto insurance rates in certain areas than the large multi-state companies such as Allstate or State Farm.

When shopping online for car insurance, you should never buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits and found out when filing a claim that the few dollars in savings costed them thousands. Your objective should be to find the BEST coverage for the lowest cost, but do not sacrifice coverage to save money.

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