Chevrolet Suburban C1500 Insurance for Tightwads
If we enjoyed shopping for car insurance, we'd do it more often. Unfortunately, it's not always as easy as it sounds to get the best rate. Buying insurance on your Chevrolet Suburban C1500 might leave you feeling the same way.
Step One: Get Insurance Quotes
The old-fashioned method of shopping for car insurance included visiting several local insurance agents and being on the receiving end of a hard sell tactic. Not anymore!
Comparing apples-to-apples price quotes for your Chevrolet Suburban C1500 is made easy by only requiring one form to be completed. This will shop your coverage with multiple companies and allow you to easily compare rates.
Start a free rate quote comparison now by clicking the link below. Once you complete the short form, you'll be able to compare rates and then move on to our next section on how to lower rates even further.
Quoting Tip! The only way to compare rates from multiple companies is to use identical coverage amounts and deductibles on each quote. If you use different limits on quotes, you cannot accurately determine which company has the best rates for your Suburban C1500.
Step Two: Tricks to Saving Money on Suburban C1500 Insurance
After completing step one and having some rates to compare, you can now focus on policy and lifestyle modifications that will lower your Suburban C1500 insurance rates.
- How is your credit rating? The better credit you have, the less insurance will cost for your Suburban C1500. If you have bad credit, work on improving your credit score and repair past credit problems.
- A single speeding ticket can cost you several hundreds of dollars over the next three years thanks to increased car insurance rates. Slow down and drive safely.
- Drivers often have a false sense of safety when driving an SUV, and this results in more accidents in adverse weather conditions. Unfortunately every SUV owner pays higher insurance rates because of this.
- If you own a home, you may get a break on your car insurance. Home ownership demonstrates financial responsibility.
- If you have any teenage drivers in your household, expect to fork out quite a bit more for insurance. Rating them on a low profile vehicle with liability only coverage is the best way to save money.
- Having any gaps in coverage (known as a lapse) is bad in the eyes of any insurance company. Make sure you keep coverage in force at all times by synchronizing the expiration and effective dates of your policies.
- Filing too many claims with your company can end up either costing you more for insurance or having your policy cancelled. Insurance companies don't like paying any more than you do, but they have the option of whether to keep you as a policyholder or not.
- Consider taking a defensive driving course. You can often make up the cost of the course in as little as a single policy renewal.
- If your Chevrolet is equipped with safety features such as airbags, anti-lock brakes or a security system, insurance companies will often give a minor discount for those.
- Car insurance disounts for senior citizens are often offered by companies as well as discounts for belonging to a professional organization.
- If you car makes the top ten list of most stolen cars, you might be paying a little extra to insure it.
- One of the easiest ways to cut your rates is to increase your comprehensive and collision deductibles. By having a higher deductible like $500 or even $1,000, you can save 30% or more on physical damage coverage.
Step Three: Make an Informed Buying Decision
It's time to make a purchase decision based on your rate comparisions and and any policy coverage changes you wish to make. Once you are comfortable with the cost and coverages, you can finalize your purchase by paying your premium down payment.
On your new policy, double check that the effective date is the same as the date you are cancelling your old policy. This avoids any lapse in coverage which can cause an increase in your rates.
If you are adding a vehicle to an existing policy and not buying a new one, just make sure to get the vehicle added as soon as possible. Every insurance company offers a grace period to add new vehicles, so make sure you get the Chevrolet added prior to the expiration of this grace period. The coverage extended to an add-on vehicle is only as good as the coverage on existing vehicles, so if none of your current insured vehicles have full coverage, your new Suburban C1500 won't have it either. So in that case, it's important to call your agent or company directly from the dealership and have them bind coverage immediately.
Once you finish buying your new policy, you will need to print out the proof-of-insurance card that is provided by your new company. This card is proof that you meet the state's minimum liability limits and is required to be kept in your vehicle. If you are required to file an SR-22 with your state, your new insurance company will take care of that for you. If you cancel your coverage for any reason, you risk the loss of your driver's license.
Other Insurance Resources
To read more about topics such as how to file a claim, replacement auto parts and mistakes to avoid, visit the Insurance Information Institute website.
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