How to Insure your Chevrolet Suburban R1500 on the Cheap
If buying auto insurance was as easy as it sounds on TV commercials, we'd have no problem getting the lowest rates. But most likely we pay more than we want to and don't really enjoy the buying process. You probably feel the same way when trying to find cheaper coverage for your Chevrolet Suburban R1500.
Step One: Compare Multiple Rate Quotes
The old way of buying car insurance was to make multiple trips to various local agents and get strong armed into a policy that didn't necessarily fit you. Times have changed!
Comparing insurance rates for a Chevrolet Suburban R1500 only require you to enter your information once. You'll receive multiple quotes and can easily compare rates.
To compare rates now, have your current policy handy (if you have one) and click the link below. Complete the short form and move on to step two.
Read this (it's important)! When doing any car insurance quote to compare rates to either your existing policy or to other quotes, it's important to use identical coverages on all quotes. Otherwise you will not be able to accurately determine which company has the lowest rate for your Suburban R1500.
Step Two: How to Lower your Suburban R1500 Insurance Premium
If you have completed step one above (if not, please complete that step first), then you are now ready to learn some ways to insure your Suburban R1500 that will also lower the rate you pay irregardless of which company you choose.
- You can save money on your physical damage coverage (comprehensive and collision) by increasing your deductibles. Higher deductibles mean you are willing to pay more before the insurance company covers a claim.
- You can check your credit score for free once a year, and it's a good idea to address any problems you find. Better credit results in better insurance rates.
- SUV's are more complex in design than your average passenger sedan, so expect to pay a little more for insurance.
- If your insurance company allows driver-specific car rating, you can save money by rating any teenage drivers on low profile vehicles with either no physical damage coverage or very high deductibles.
- If your teen driver has completed a driver's education class in school, check to see if your insurance company offers any discounts for this.
- Speeding tickets and other violations can negatively impact your insurance rates for up to three years. Get too many tickets and you'll be shopping for a new car insurance company.
- Gaps in insurance coverage will cause problems for your insurance rates. Don't let your policy expire without having new coverage in place.
- Most Chevrolet vehicles come with standard safety features such as air bags and passive restraints, and those will help keep your insurance costs down.
- If you are a renter rather than a homeowner, you might pay a little more to insure your car. Owning a home takes financial repsonsibility and insurance companies reward those policy holders.
- 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.
- Insurance companies often give discounts to senior citizens and professional organizations, so if you're one of those, check to see if you qualify.
- For some reason, car theives target particular makes and models more than others. If your Suburban R1500 is on the list of the top stolen cars, you might want to install an extra theft deterrent system just to be safe.
Step Three: Purchase a New Policy
Choosing a new car insurance company is not easy. But hopefully you have a handful of quotes for your Suburban R1500 that will give you a good idea of how much it will cost, as well as some idea of any coverage changes you may want to make.
You can cancel a policy at any time, but just remember to make the effective date of the replacement policy the exact same as the date you cancel your old policy. You do not want any gaps in coverage between policies.
If this is a new policy with only the Chevrolet on it, be sure to have coverage before leaving the dealership or car lot. If you're adding it to an existing policy, you have anywhere from 15 to 30 days depending on the company. Your existing car insurance policy will give you some coverage if you buy a new or used Suburban R1500, but unless you are already paying for full coverage, you won't have it until you add the vehicle to your policy.
All states require you to keep the proof-of-insurance or financial responsibility card in your vehicle at all times. Failure to produce this document can result in a citation. Depending on your state's statutes, you may be required to file an SR-22 form if you've been convicted of an uninsured accident, DUI or license suspension. Make sure your new company is aware of this requirement and files it promptly.
More Educational Resources
To read more about filing a claim, choosing replacement parts, rental car insurance and more, visit the Insurance Information Institute.
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