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Searching for the cheapest Chevy Suburban insurance in Los Angeles? Nobody I know likes having to buy car insurance, in particular when their premiums are too high.
It's well known that auto insurance companies don't want you shop around. Consumers who shop around for cheaper price quotes are inclined to switch car insurance companies because there are good odds of finding a policy with better rates. A recent car insurance study revealed that drivers who compared rates regularly saved on average $3,450 over four years compared to people who never shopped around for better prices.
If finding the cheapest rates on Chevy Suburban insurance in Los Angeles is your goal, then learning a little about how to compare car insurance can save time and money. Big companies like Allstate, Liberty Mutual and State Farm persitently shower you with ad campaigns and it is challenging if not impossible to see through the deception and take the time to shop coverage around.
If you're already insured or are just looking to switch companies, use these tips to shop for the lowest rates and still have adequate protection. Locating the best rates in Los Angeles is really quite easy. Smart buyers just have to learn the quickest method to shop for insurance from multiple carriers.
The providers in the list below can provide free rate quotes in California. If multiple providers are shown, it's a good idea that you visit as many as you can to get a more complete price comparison.
Chevy Suburban insurance coverage information
The rate table shown below highlights a range of prices for Chevy Suburban models. Being able to understand how rates are figured can be useful when making decisions when shopping your coverage around.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Suburban LS 2WD||$314||$464||$442||$26||$132||$1,378||$115|
|Suburban LT 2WD||$314||$464||$442||$26||$132||$1,378||$115|
|Suburban LS 4WD||$314||$464||$442||$26||$132||$1,378||$115|
|Suburban LT 4WD||$314||$464||$442||$26||$132||$1,378||$115|
|Suburban LTZ 2WD||$314||$546||$442||$26||$132||$1,460||$122|
|Suburban LTZ 4WD||$348||$546||$442||$26||$132||$1,494||$125|
|Get Your Own Customized Quote Go|
Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Table data does not factor in specific zip code location which can influence auto insurance rates significantly.
The diagram below illustrates how your deductible choice and can influence Chevy Suburban insurance rates for each different age category. The price estimates are based on a single female driver, comp and collision included, and no discounts are applied.
Premiums by gender and age
The information below shows the difference between Chevy Suburban yearly insurance costs for male and female drivers. The rate quotes are based on no claims or driving citations, comp and collision included, $500 deductibles, single marital status, and no additional discounts are factored in.
Three main reasons to buy car insurance
Despite the high cost of buying insurance for a Chevy Suburban in Los Angeles, car insurance is required for several reasons.
- Most states have mandatory liability insurance requirements which means you are required to buy specific limits of liability insurance coverage in order to drive the car legally. In California these limits are 15/30/5 which means you must have $15,000 of bodily injury coverage per person, $30,000 of bodily injury coverage per accident, and $5,000 of property damage coverage.
- If you took out a loan on your Chevy Suburban, most lenders will require you to buy full coverage to guarantee payment of the loan. If you do not pay your insurance premiums, the lender may insure your Chevy at a much higher rate and require you to reimburse them the higher premium.
- Insurance protects not only your vehicle but also your assets. Insurance will also pay for medical expenses for yourself as well as anyone injured by you. As part of your policy, liability insurance will also pay to defend you if you cause an accident and are sued. If your Chevy gets damaged, your car insurance policy will pay to have it repaired.
The benefits of buying car insurance are definitely more than the cost, especially for larger claims. As of last year, the average driver in California overpays more than $820 a year so it's recommended you shop around at every policy renewal to ensure rates are inline.
Affordable Los Angeles insurance rates with discounts
Car insurance is not cheap, but you might already qualify for some discounts to help offset the cost. Certain discounts will be triggered automatically when you get a quote, but lesser-known reductions have to be inquired about before you will receive the discount.
- Fewer Miles Equal More Savings - Keeping the miles down on your Chevy could earn discounted premium rates on garaged vehicles.
- Accident Forgiveness Coverage - This one is not really a discount per se, but companies like Allstate and State Farm permit an accident before they charge you more for coverage so long as you haven't had any claims for a certain period of time.
- Mature Driver Discount - Mature drivers are able to get a discount up to 10%.
- Include Life Insurance and Save - Larger insurance carriers have a discount if you purchase some life insurance in addition to your auto policy.
- Theft Deterrent Discount - Cars that have factory anti-theft systems are less likely to be stolen and earn discounts up to 10% off your Los Angeles car insurance quote.
- Multi-policy Discount - If you have multiple policies with one insurance company you could get a discount of up to 20% off your total Suburban insurance premium.
- Seat Belt Discounts - Drivers who require all vehicle occupants to buckle up can save a little off the PIP or medical payment premium.
- Discount for Home Ownership - Just owning your own home can save you money since owning and maintaining a home is proof that your finances are in order.
Just know that some credits don't apply to the entire policy premium. Some only apply to the price of certain insurance coverages like liability, collision or medical payments. Even though the math looks like all those discounts means the company will pay you, you're out of luck.
The chart below illustrates the comparison of Chevy Suburban insurance costs with and without discounts. The premium estimates are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $100 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-policy, marriage, multi-car, homeowner, safe-driver, and claim-free discounts applied.
A few popular companies and the discounts they provide are outlined below.
- State Farm includes discounts for multiple policy, Steer Clear safe driver discount, accident-free, good driver, student away at school, defensive driving training, and good student.
- Progressive has discounts for online signing, multi-policy, multi-vehicle, online quote discount, homeowner, good student, and continuous coverage.
- Progressive may offer discounts for continuous coverage, multi-policy, multi-vehicle, homeowner, online quote discount, and good student.
- MetLife discounts include good driver, good student, defensive driver, accident-free, multi-policy, and claim-free.
- Farm Bureau offers premium reductions for renewal discount, multi-policy, youthful driver, multi-vehicle, safe driver, and driver training.
- GEICO may include discounts for daytime running lights, emergency military deployment, multi-policy, multi-vehicle, five-year accident-free, and air bags.
- SAFECO offers discounts for teen safety rewards, drive less, anti-lock brakes, multi-car, and anti-theft.
If you need lower rates, check with all the companies which discounts can lower your rates. Some discounts listed above may not apply to policies everywhere.
There's no such thing as the perfect auto insurance policy
Keep in mind that when it comes to choosing coverage, there really isn't a "best" method to buy coverage. Your needs are not the same as everyone else's and your auto insurance should be unique as well. These are some specific questions can help discover if your insurance needs would benefit from professional advice.
- What happens if I owe more than my Chevy Suburban is worth?
- Are combined or split liability limits better?
- What discounts do I qualify for?
- Should I buy full coverage?
- Does insurance cover tools stolen from my truck?
- How can I find cheaper teen driver insurance?
- Where can I get insurance after a DUI in California?
If it's difficult to answer those questions but a few of them apply, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, take a second and complete this form or you can go here for a list of companies in your area. It's fast, doesn't cost anything and may give you better protection.
Shop online but buy locally
Many drivers still prefer to talk to a local agent and there is nothing wrong with that. Good agents are trained risk managers and help you file claims. One of the benefits of price shopping on the web is that drivers can save money and get cheap car insurance quotes and still have an agent to talk to.
To find an agent, once you fill out this simple form, the coverage information gets sent to participating agents in Los Angeles that can give you free Los Angeles car insurance quotes to get your business. You don't have to contact any agents because quoted prices will be sent instantly to you. If for some reason you want to compare rates for a specific company, don't hesitate to search and find their rate quote page and submit a quote form there.
Choosing an company shouldn't rely on just a cheap quote. Any good agent in Los Angeles should know the answers to these questions.
- Where are claims handled?
- Are they giving you every discount you deserve?
- Will a damage claim use OEM or aftermarket replacement parts?
- Is auto insurance their primary focus in Los Angeles?
- Does the agency support the community they serve?
If you would like to find a local agent, it helps to know the two types of agencies and how they can write your policy. Car insurance agents are considered either independent or exclusive depending on the company they work for. Both types can sell car insurance policies, but it's a good idea to understand the difference in how they write coverage since it can impact buying decisions.
Exclusive Car Insurance Agents
Agents that choose to be exclusive can only write with one company and some examples include Farmers Insurance and State Farm. They usually cannot provide rate quotes from other companies so you might not find the best rates. Exclusive agencies receive a lot of sales training on the products they sell which helps them sell insurance even at higher premiums.
Listed below is a list of exclusive agencies in Los Angeles that are able to give comparison quotes.
Independent Car Insurance Agencies
These type of agents are not required to write business for one company so they can write business through many companies and possibly get better coverage at lower prices. If you want to switch companies, they simply switch companies in-house and you don't have to do anything. When comparing car insurance rates, we recommend you include independent agents to maximize your price options.
The following are Los Angeles independent agencies that can give you price quote information.
Auto insurance policy coverages for a Chevy Suburban
Learning about specific coverages of your policy helps when choosing which coverages you need and the correct deductibles and limits. Policy terminology can be confusing and nobody wants to actually read their policy. Below you'll find typical coverage types found on most auto insurance policies.
Uninsured Motorist or Underinsured Motorist insurance - This coverage protects you and your vehicle's occupants when the "other guys" either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle's occupants as well as damage to your Chevy Suburban.
Since a lot of drivers carry very low liability coverage limits (which is 15/30/5), it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.
Auto liability insurance - This coverage can cover damage that occurs to other people or property in an accident. Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 15/30/5 that translate to a limit of $15,000 per injured person, a limit of $30,000 in injury protection per accident, and $5,000 of coverage for damaged property.
Liability coverage protects against things like pain and suffering, attorney fees and bail bonds. The amount of liability coverage you purchase is your choice, but buy as large an amount as possible. California requires drivers to carry at least 15/30/5 but you should consider buying better liability coverage.
The next chart shows why buying low liability limits may not provide adequate coverage.
Comprehensive coverage (or Other than Collision) - This pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.
Comprehensive insurance covers things like hail damage, a broken windshield, hitting a deer and damage from getting keyed. The highest amount you can receive from a comprehensive claim is the market value of your vehicle, so if it's not worth much more than your deductible consider removing comprehensive coverage.
Collision coverage - Collision insurance pays for damage to your Suburban caused by collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.
Collision coverage pays for claims such as rolling your car, scraping a guard rail, driving through your garage door and damaging your car on a curb. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible on your Suburban to save money on collision insurance.
Insurance for medical payments - Personal Injury Protection (PIP) and medical payments coverage provide coverage for bills such as dental work, rehabilitation expenses, ambulance fees, pain medications and nursing services. They are often used in conjunction with a health insurance program or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage
More effort can pay off
We covered some good ideas how to find affordable Chevy Suburban insurance in Los Angeles. The key concept to understand is the more quotes you get, the more likely it is that you will get a better rate. You may even discover the most savings is with the least-expected company. These smaller insurers may cover specific market segments cheaper than the large multi-state companies such as Progressive and GEICO.
Discount Chevy Suburban insurance in Los Angeles can be purchased from both online companies and with local Los Angeles insurance agents, so you need to shop Los Angeles car insurance with both in order to have the best chance of saving money. There are still a few companies who may not provide the ability to get quotes online and most of the time these regional insurance providers provide coverage only through independent agents.
- Young Drivers: The High Risk Years Video (iihs.org)
- What Car Insurance is Cheapest for Teachers in Los Angeles? (FAQ)
- Who Has the Cheapest Auto Insurance Rates for a Honda Civic in Los Angeles? (FAQ)
- How Much is Los Angeles Auto Insurance for Drivers with Good Credit? (FAQ)
- Distracted Driving (Insurance Information Institute)
- What Determines the Price of My Auto Insurance Policy? (Insurance Information Institute)
- Side Impact Crash Tests (iihs.org)
- Prom Night Tips for Teen Drivers (State Farm)