Chevy Suburban 1500 Insurance – 10 Discounts to Save Money

Shoppers have a choice when shopping for affordable Chevy Suburban 1500 insurance. You can either waste hours calling around getting price quotes or use the internet to make rate comparisons. There are both good and bad ways to find auto insurance online and we’ll show you the proper way to compare rates for a new or used Chevy and find the cheapest rates either online or from local insurance agents.

You need to compare prices yearly due to the fact that insurance rates are variable and change quite frequently. Even if you think you had the best rates for Suburban coverage a couple years back you can probably find a better price now. Forget anything you know (or think you know) about auto insurance because you’re about to learn one of the easiest ways to find better coverage at a better price.

Finding affordable coverage is not rocket science. If you have car insurance now, you stand a good chance to be able to reduce your rates substantially using these techniques. Drivers just need to understand the most effective way to compare prices on the web.

Compare the Market for Auto Insurance

Getting a lower price on Chevy Suburban 1500 insurance is not rocket science. Drivers just need to spend a little time getting comparison quotes online from several insurance companies. It is quite easy and can be accomplished in a couple of different ways.

1. The first (and easiest) way to get quotes is a comparison rater form click here to open form in new window. This easy form prevents you from having to do separate forms for each company. A single form gets you coverage quotes direct from many companies. Just one form and you’re done.
2. Another way to get quotes online is spending the time to visit the website for every company you want to comare and request a quote. For example, we’ll pretend you want comparison quotes from State Farm, Allstate and GMAC. To find out each rate you need to visit each site to input your insurance information, which is why the first method is quicker.

   For a list of links to companies insuring cars in your area, click here.

3. The least recommended way to compare rates is to spend time driving to different agent offices. The ability to buy insurance online has reduced the need for local agents unless you have a need for the professional guidance that only a license agent can provide. Drivers can compare online quotes but still have the advice of a local agent and we’ll talk about that later.

Whichever way you use, make sure you use apples-to-apples information for every company. If you compare unequal deductibles or liability limits it will be very difficult to decipher which rate is best.

Don’t overlook these ten discounts

Car insurance companies don’t list every available discount in an easy-to-find place, so we took the time to find both well-publicized and the harder-to-find ways to save on auto insurance. If they aren’t giving you every credit available, you are paying more than you should be.

• Discounts for Safe Drivers – Safe drivers can pay as much as 50% less for Suburban coverage than less cautious drivers.
• Organization Discounts – Being a member of a civic or occupational organization is a good way to get lower rates on your policy for Suburban coverage.
• Driver Safety – Successfully completing a course in driver safety could save 5% or more and easily recoup the cost of the course.
• Discount for Good Grades – A discount for being a good student can be rewarded with saving of up to 25%. The discount lasts well after school through age 25.
• Early Signing – A few companies offer discounts for buying a policy before your current expiration date. This can save 10% or more.
• Multi-policy Discount – When you combine your home and auto insurance with one company you may earn up to 20% off your total premium.
• Accident Free – Claim-free drivers can save substantially when compared with drivers who are more careless.
• Paperless Signup – Some insurance companies may give you up to $50 for buying a policy and signing up over the internet.
• Braking Control Discount – Anti-lock brake equipped vehicles can avoid accidents and earn discounts up to 10%.
• Life Insurance Discount – Select insurance companies reward you with lower rates if you buy a life insurance policy as well.

As a disclaimer on discounts, most discounts do not apply to the overall cost of the policy. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though they make it sound like having all the discounts means you get insurance for free, you’re out of luck.

To choose providers with the best auto insurance discounts, click here.

Comparing rates from local agents

A small number of people prefer to buy from a local agent and that is OK! Insurance agents can help determine the best coverages and give you peace of mind. One of the great benefits of getting online price quotes is you may find better rates and still choose a local agent.

After filling out this form (opens in new window), your information is sent to agents in your area who will give you bids for your business. There is no need to even leave your home due to the fact that quote results will go immediately to your email address. Now that’s easy!

Choosing an provider shouldn’t rely on just the bottom line cost. Any agent should have no problem answering these questions:

• Do they assist clients in filing claims?
• Are there any hidden costs in their price quote and does it include driving and credit history?
• If you have an accident, are you able to get your vehicle repaired at the shop of your choice?
• Do they carry Errors and Omissions coverage?
• Do they feel the quoted coverages are adequate?
• How are they compensated?
• How long have they worked with personal auto insurance coverage?
• What are the financial ratings for the companies they represent?

Multiple types of car insurance agents

When searching for a reliable agent, you need to know there are two different agency structures from which to choose. agents can either be captive or independent (non-captive). Both types can properly insure your vehicles, but it’s important to know how they are different because it can influence your agent selection.

Agency Captives

These agents can only place business with one company such as State Farm or Allstate. They generally cannot provide prices from multiple companies so always compare other rates. Captive agents are very knowledgeable on their company’s products and that can be a competitive advantage. Consumers sometimes buy insurance from these agents mostly because of the brand legacy and the convenience of having all coverages with one company.

Independent Agents (or Brokers)

Independent insurance agents are not employed by any specific company but rather can write business with lots of companies and potentially find a lower price. To transfer your coverage to a different company, the agent simply finds a different carrier and you won’t have to switch agencies.

When shopping rates, we recommend you get quotes from multiple independent agents to have the most options to choose from.Most can insure with smaller regional carriers which may provide better rates.

To view a complete directory of insurance agents, visit this page.

After getting acceptable answers to your questions and a low price estimate, most likely you have located an insurance agency that will adequately provide auto insurance.

Switch companies and save? Really?

Consumers can’t get away from ads for cheaper car insurance by companies like Progressive, Allstate and GEICO. All the companies have a common claim of big savings if you change to them.

How do they all make the same claim?

Insurance companies are able to cherry pick for the type of driver that earns them a profit. A good example of a preferred risk could be a mature driver, insures multiple vehicles, and drives less than 7,500 miles a year. Any new insured who meets those qualifications receives the best rates and most likely will pay quite a bit less when switching companies.

Potential insureds who fall outside these standards will be charged more money which leads to the customer not buying. The ads say “customers who switch” but not “drivers who get quotes” save that much money. That’s why insurance companies can confidently claim big savings. That is why drivers should compare many company’s rates. It’s just too difficult to predict which auto insurance company will have the lowest rates.

Specifics of your auto insurance policy

Knowing the specifics of your auto insurance policy aids in choosing appropriate coverage at the best deductibles and correct limits. Policy terminology can be ambiguous and coverage can change by endorsement.

Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for short-term medical expenses like doctor visits, ambulance fees, nursing services and rehabilitation expenses. They are often utilized in addition to your health insurance policy or if you do not have health coverage. They cover not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not available in all states and gives slightly broader coverage than med pay

Comprehensive coverage – This coverage pays for damage OTHER than collision with another vehicle or object. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things like rock chips in glass, a broken windshield and hail damage. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability – Liability insurance will cover injuries or damage you cause to a person or their property. This coverage protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Liability coverage has 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 100/300/100 that translate to $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and property damage coverage for $100,000.

Liability coverage protects against claims such as pain and suffering, bail bonds, structural damage, medical services and repair costs for stationary objects. How much liability should you purchase? That is your choice, but it’s cheap coverage so purchase as much as you can afford.

Uninsured/Underinsured Motorist coverage – This gives you protection when the “other guys” either have no liability insurance or not enough. It can pay for hospital bills for your injuries and also any damage incurred to your Chevy Suburban 1500.

Since a lot of drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is very important.

Collision coverage – Collision coverage will pay to fix damage to your Suburban 1500 resulting from a collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as crashing into a building, colliding with a tree and driving through your garage door. This coverage can be expensive, so you might think about dropping it from lower value vehicles. It’s also possible to raise the deductible to get cheaper collision coverage.

The best insurance company isn’t always the cheapest

Budget-conscious Chevy Suburban 1500 insurance can be bought both online as well as from independent agents, so compare prices from both to have the best rate selection. Some companies don’t offer you the ability to get quotes online and usually these small insurance companies provide coverage only through local independent agents.

Consumers leave their current company for many reasons like denial of a claim, poor customer service, policy non-renewal and even high prices. It doesn’t matter why you want to switch choosing a new insurance company is actually quite simple.

While you’re price shopping online, it’s not a good idea to buy poor coverage just to save money. In too many instances, someone sacrificed collision coverage only to regret that a couple dollars of savings turned into a financial nightmare. The aim is to purchase plenty of coverage at an affordable rate while not skimping on critical coverages.