Car Insurance Quotes for the Chevrolet Suburban

You’ll feel like royalty, cruising around town in your prince of a vehicle. When you ride in your Chevrolet Suburban, you’ll be sitting high up in comfort, with endless power at the tips of your toes. Getting a good auto insurance policy to protect yourself and your new wheels makes perfect sense, especially since you can get this coverage for $94 to $160 per month.

Exactly how much will your policy cost? That’s impossible to say without first reaching out to Freeway Insurance. An expert agent will discuss many details with you, from your vehicle type to your appetite for risk, and will help you obtain the cheapest car insurance based on your budget and personal preferences.

The type of car insurance coverage you obtain is another area that affects your premiums. You might want to get full protection for yourself and your Suburban, but that will cause your tab to increase. Or you might decide to get less coverage to save some money, which will also mean that you won’t have optimal protection. Here are the two most common options most drivers choose.

Full Coverage

Many people want the peace of mind that comes with knowing that their insurer will pay for damages to their vehicle whether they cause an accident, their car gets stolen or even if it gets destroyed in a flood. They want to know that if they or their passengers suffer bodily injury or if they cause bodily harm to others in a crash, the insurer will help to cover the medical bills. If you feel the same way, you should consider getting a full coverage policy. This plan costs an average of $160 per month and provides the highest level of protection insurers offer.

State Minimum Liability

Others prefer to pay as little as possible, even if it means forgoing those protections. They only want to get the lowest level of coverage required by law and hope they never cause a costly accident. If that mindset aligns more with your mentality, discuss minimum liability coverage with your agent. This type of policy gives you the minimum amount of protection required by your state and will only cost you about $94 per month. Many states don’t require you to obtain any personal injury protection, so if you cause an accident and get hurt, you’ll have to pay your medical bills on your own.

The type of vehicle you drive and the type of insurance you choose are just a start. So much more goes into how insurers determine the cost of your policy. Here are some examples:

Rental Car Reimbursement

If you get into an accident and your car has to go to the shop, how will you get around? You can choose a feature that would pay for the cost of a rental car if your car is inoperable due to a crash, but choosing this feature will add to your monthly premium.

State Minimum Requirements

If you choose a state minimum liability policy, every state has its own basic requirements. One state might require you to obtain $30,000 of protection against bodily harm you might cause to others in a crash, while another requires $50,000. Insurers will charge higher premiums in states where the minimum requirements are stricter since they might have to pay out more.

Deductible Amount

If you get into an accident, you’ll have to pay a deductible — a predetermined amount that comes out of your pocket — before your insurer kicks in and pays their portion. Choosing a lower deductible will cause your premiums to increase because the insurer has more liability. So, if you choose a $500 deductible, you’ll pay more for your policy than if you choose a $1,000 deductible.

Nobody should ever get behind the wheel after having a few drinks. Drunk drivers are a danger to themselves, their passengers, pedestrians, and other drivers on the road. If you do drive while under the influence and get hit with a DUI, many insurers won’t want to insure you. The companies that do agree to sell you a policy will have to file an SR-22 certificate with the state to show that you have adequate coverage, and they will charge you significantly more than what you paid before you became a high-risk driver.

The Chevrolet Suburban is a full-size SUV that blends power with convenience and comfort. Wheel sizes on these nine-passenger behemoths are between 20 and 22 inches, and current models offer a 6.2-liter V8 engine. The Suburban has plenty of room for its riders and all their luggage, and seats can fold down to create more storage space in the back. Even older models provide a smooth, powerful, comfortable ride.