Cheap Chevy Suburban Insurance in Raleigh

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It's an obvious conclusion that car insurance companies want to keep you from shopping around. Consumers who shop around for a cheaper policy are highly likely to switch to a new company because there is a good chance of finding lower rate quotes. A recent survey revealed that drivers who compared rates regularly saved on average $865 annually compared to people who didn't regularly shop around.

If finding low prices for auto insurance is your objective, understanding how to find and compare insurance premiums can help make the process easier and more efficient.

Insurance rates Chevy Suburban in RaleighIf saving money is your primary concern, then the best way to get more affordable Chevy Suburban insurance is to regularly compare quotes from different companies who provide car insurance in Raleigh. Rates can be compared by completing these steps.

  • Step 1: Try to learn about what is in your policy and the measures you can take to lower rates. Many policy risk factors that result in higher prices such as at-fault accidents, speeding tickets, and bad credit can be remedied by making minor changes in your lifestyle. This article gives more information to get cheaper rates and find additional discounts.
  • Step 2: Quote rates from independent agents, exclusive agents, and direct companies. Exclusive agents and direct companies can only give rate quotes from one company like GEICO and State Farm, while independent agents can provide price quotes from multiple sources. View a list of agents
  • Step 3: Compare the quotes to the premium of your current policy and determine if there is any savings. If you find a better price and decide to switch, make sure coverage does not lapse between policies.

A crucial key to this process is to try to use the same liability limits and deductibles on each quote and to quote with as many companies as feasibly possible. Doing this enables a fair rate comparison and a complete price analysis.

Best Chevy Suburban insurance price quotes in North Carolina

The companies in the list below are ready to provide free quotes in North Carolina. To get cheaper auto insurance in Raleigh, NC, we suggest you visit as many as you can to find the most competitive car insurance rates.

Chevy Suburban detailed coverage information

The table shown next outlines a range of prices for Chevy Suburban models. Learning a little about how insurance prices are figured can help drivers make smart policy decisions.

Chevrolet Suburban Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $132 $234 $302 $18 $90 $776 $65
Suburban LT 2WD $132 $234 $302 $18 $90 $776 $65
Suburban LS 4WD $132 $234 $302 $18 $90 $776 $65
Suburban LT 4WD $132 $234 $302 $18 $90 $776 $65
Suburban LTZ 2WD $132 $276 $302 $18 $90 $818 $68
Suburban LTZ 4WD $146 $276 $302 $18 $90 $832 $69
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Above prices assume single male driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Table data does not factor in specific location information which can alter prices substantially.

Should you raise deductibles?

When buying car insurance, a common question is at what level do you set your deductibles. The data tables below show the rate fluctuation between low and high physical damage deductibles. The first price estimate table uses a $250 deductible and the second price chart uses a $1,000 deductible.

Chevrolet Suburban insurance policy rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $218 $324 $250 $14 $74 $905 $75
Suburban LT 2WD $218 $324 $250 $14 $74 $905 $75
Suburban LS 4WD $218 $324 $250 $14 $74 $905 $75
Suburban LT 4WD $218 $324 $250 $14 $74 $905 $75
Suburban LTZ 2WD $218 $382 $250 $14 $74 $963 $80
Suburban LTZ 4WD $242 $382 $250 $14 $74 $987 $82
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Chevrolet Suburban insurance policy rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $134 $204 $250 $14 $74 $676 $56
Suburban LT 2WD $134 $204 $250 $14 $74 $676 $56
Suburban LS 4WD $134 $204 $250 $14 $74 $676 $56
Suburban LT 4WD $134 $204 $250 $14 $74 $676 $56
Suburban LTZ 2WD $134 $240 $250 $14 $74 $712 $59
Suburban LTZ 4WD $150 $240 $250 $14 $74 $728 $61
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and North Carolina minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-vehicle, and multi-policy. Table data does not factor in vehicle location which can affect price quotes noticeably.

Based on the data above, we can derive that using a $250 deductible will cost you approximately $20 more each month or $240 annually than quoting the higher $1,000 deductible. Since you would have to pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 38 months between claim filings, you would most likely save money going with the higher deductible.

Full coverage or liability only

The illustration below visualizes the comparison of Chevy Suburban insurance costs with liability coverage only compared to full coverage. The data is based on a clean driving record, no at-fault accidents, $100 deductibles, drivers are single, and no other discounts are factored in.

When to drop comprehensive and collision coverage

There is no definitive rule to exclude physical damage coverage on your policy, but there is a general convention. If the annual cost of comprehensive and collision coverage is about 10% or more of the replacement cost minus the deductible, then it might be time to buy liability only.

For example, let's say your Chevy Suburban settlement value is $5,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, the most you would get paid by your company is $4,000 after paying the physical damage deductible. If it's costing you more than $400 a year for physical damage coverage, then you might consider buying liability only.

There are a few situations where eliminating full coverage is not a good plan. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the even your car is totaled, you should not drop full coverage.

Score discounts to get cheaper Raleigh car insurance quotes

Some companies don't always advertise the complete list of policy discounts in a way that's easy to find, so the list below gives a summary of both the well known and the harder-to-find car insurance savings.

  • Own a Home - Owning a home in Raleigh can get you a discount because of the fact that having a home shows financial diligence.
  • Distant Student - Kids who are enrolled in higher education away from home and don't have a car could get you a discount.
  • Auto/Life Discount - Not every insurance company offers life insurance, but if they do you may earn a small discount if you purchase a life policy as well.
  • Driver Training Discounts - Participating in a course that instructs on driving safety could earn you a small percentage discount and also improve your driving technique.
  • Early Renewal Discounts - Some car insurance companies provide a discount for buying a policy before your current coverage expires. You may see this discount when you get Raleigh auto insurance quotes online.

Keep in mind that some of the credits will not apply to your bottom line cost. The majority will only reduce individual premiums such as liability and collision coverage. Even though the math looks like all the discounts add up to a free policy, that's just not realistic. Any amount of discount will positively reduce the amount you have to pay.

The illustration below shows the difference between Chevy Suburban insurance prices with and without discounts applied to the policy rates. The data assumes a male driver, no accidents, no driving violations, North Carolina state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, multi-car, multi-policy, safe-driver, and claim-free discounts applied.

If you would like to choose from a list of insurers that offer the discounts shown above in North Carolina, click this link.

Your situation helps dictate your coverage

When it comes to the best auto insurance coverage for your vehicles, there really isn't a perfect coverage plan. Your situation is unique and a cookie cutter policy won't apply. For instance, these questions may help you determine if you will benefit from professional help.

  • When do I need to add a new car to my policy?
  • What is PIP insurance?
  • Do I have ACV or replacement cost coverage?
  • Does my insurance cover a custom paint job?
  • Does my Chevy Suburban need full coverage?
  • Can I afford to pay high deductible claims out of pocket?
  • Do I need higher collision deductibles?

If it's difficult to answer those questions but a few of them apply, then you may want to think about talking to an agent. If you want to speak to an agent in your area, complete this form or click here for a list of auto insurance companies in your area.

Are insurance agencies of importance?

A small number of people still like to buy from a licensed agent and often times that is recommended The biggest benefit of comparing rate quotes online is that you can find cheap insurance rates and still have an agent to talk to. Buying insurance from neighborhood insurance agencies is definitely important in Raleigh.

Once you complete this simple form, your insurance data gets sent to local insurance agents in Raleigh who will return price quotes for your coverage. There is no reason to leave your house because quoted prices will be sent to the email address you provide. You can most likely find cheaper rates AND a local agent. If for some reason you want to get a price quote from a specific company, you just need to jump over to their website and submit a quote form there.

When searching for a local Raleigh insurance agency, you must know there are a couple different types of agents to choose from. Insurance agents in Raleigh are either independent agents or exclusive agents depending on their employer.

Independent Insurance Agencies or Brokers

Independent insurance agents do not work for one specific company and that gives them the ability to insure through lots of different companies and possibly get better coverage at lower prices. If you want to switch companies, the business is moved internally and you won't have to switch agencies. If you are comparing insurance prices, you absolutely need to compare prices from at a minimum one independent agency to have the best price comparison. Most also write with additional companies that you may not be familiar with which can save you money.

The following is a list of independent agents in Raleigh that can possibly get you price quote information.

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Exclusive Agents

Agents that choose to be exclusive have only one company to place business with and some examples include State Farm, AAA, and Liberty Mutual. They usually cannot provide other company's prices so they really need to provide good service. These agents receive a lot of sales training on what they offer which helps overcome the inability to quote other rates. Many people use the same agent mainly due to the brand legacy rather than low price.

Listed below is a list of exclusive insurance agencies in Raleigh willing to provide rate quotes.

View more agents

Finding the right insurance agent should depend on more than just the quoted price. Here are some questions to ask:

  • Is their price quote a firm figure or are their hidden costs?
  • How are they compensated?
  • Do they have a Better Business Bureau rating in Raleigh?
  • Can they give you a list of client referrals?
  • How experienced are they in personal risk management?
  • Are claim adjusters local or do you have to take your car somewhere else?
  • Does the agency provide any after hours assistance?
  • What will you get paid if your car is a total loss? How is that amount determined?

In conclusion

In this article, we presented a lot of tips how to compare Chevy Suburban insurance prices in Raleigh. The key concept to understand is the more rate comparisons you have, the higher the chance of saving money. You may even find the biggest savings come from the smaller companies. Some small companies may only write in your state and offer lower rates as compared to the big name companies such as Progressive and GEICO.

Cheap Chevy Suburban insurance in Raleigh is attainable both online in addition to local insurance agencies, and you should compare price quotes from both in order to have the best chance of saving money. Some insurance companies may not have the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.

Even more information can be read in the articles below: