Car Insurance Quotes for a Chevy Suburban in Seattle

If you are new to online car insurance, you may be overwhelmed thanks to the incredible selection of online car insurance companies and websites that all say they have the best rates for Chevy Suburban insurance in Seattle.

Discount Chevy Suburban insuranceStatistics show that the vast majority of consumers kept their coverage with the same car insurance company for at least the last four years, and nearly half have never compared rates to find affordable insurance. Many consumers in Washington can save $430 each year, but they don’t understand how simple it is to find affordable insurance by shopping around.

Cheapest companies for Chevy Suburban insurance

The providers in the list below offer free rate quotes in Seattle, WA. If several companies are displayed, we suggest you visit as many as you can to get the cheapest price.

Chevrolet Suburban Insurance Rates in Seattle, WA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $200 $326 $282 $16 $84 $908 $76
Suburban LT 2WD $198 $318 $278 $16 $82 $892 $74
Suburban LS 4WD $238 $310 $386 $22 $116 $1,072 $89
Suburban LT 4WD $156 $278 $356 $22 $106 $918 $77
Suburban LTZ 2WD $250 $444 $300 $18 $90 $1,102 $92
Suburban LTZ 4WD $246 $444 $310 $18 $92 $1,110 $93
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Prices based on married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Washington minimum liability limits. Discounts applied include multi-policy, homeowner, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in specific location information which can lower or raise price quotes considerably.

Analysis of deductible levels

When comparing car insurance rates, the most common question is at what level do you set your deductibles. The rates below summarize how much more rates are when you choose different coverage deductibles. The first data set uses a $250 comprehensive and collision deductible and the second rate chart uses a $1,000 deductible.

Chevrolet Suburban insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $258 $384 $294 $18 $88 $1,067 $89
Suburban LT 2WD $258 $384 $294 $18 $88 $1,067 $89
Suburban LS 4WD $258 $384 $294 $18 $88 $1,067 $89
Suburban LT 4WD $258 $384 $294 $18 $88 $1,067 $89
Suburban LTZ 2WD $258 $452 $294 $18 $88 $1,135 $95
Suburban LTZ 4WD $286 $452 $294 $18 $88 $1,163 $97
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Chevrolet Suburban insurance with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $158 $242 $294 $18 $88 $800 $67
Suburban LT 2WD $158 $242 $294 $18 $88 $800 $67
Suburban LS 4WD $158 $242 $294 $18 $88 $800 $67
Suburban LT 4WD $158 $242 $294 $18 $88 $800 $67
Suburban LTZ 2WD $158 $284 $294 $18 $88 $842 $70
Suburban LTZ 4WD $176 $284 $294 $18 $88 $860 $72
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and Washington minimum liability limits. Discounts applied include claim-free, multi-vehicle, homeowner, safe-driver, and multi-policy. Rate quotes do not factor in Seattle location which can increase or decrease price quotes greatly.

Using the data above, we can ascertain that using a $250 deductible will cost you roughly $23 more each month or $276 a year than quoting the higher $1,000 deductible. Because you would pay $750 more to file a claim with a $1,000 deductible as compared to a $250 deductible, if you average more than 33 months between claims, you would probably be better off if you opt for a higher deductible.

Rate comparison of full coverage and liability-only

The diagram below visualizes the comparison of Chevrolet Suburban car insurance costs with and without physical damage coverage. Data assumes no accidents, no driving violations, $250 deductibles, single male driver, and no discounts are taken into consideration.

When to stop buying physical damage coverage

There is no definitive formula to eliminate physical damage coverage, but there is a general convention. If the yearly cost of comp and collision coverage is more than around 10% of the vehicle’s replacement cost less your deductible, then it might be time to buy liability only.

For example, let’s pretend your Chevrolet Suburban settlement value is $4,000 and you have $1,000 full coverage deductibles. If your vehicle is destroyed, the most your company would pay you is $3,000 after the deductible is paid. If premiums are more than $300 a year for full coverage, then you might want to think about dropping full coverage.

There are a few situations where dropping full coverage is not in your best interest. If you still owe a portion of the original loan, you are required to maintain full coverage as part of the loan conditions. Also, if you don’t have enough money to buy a different vehicle if your current one is damaged, you should maintain full coverage.

Discounts can help lower premiums on Chevy Suburban insurance in Seattle

Some insurers don’t necessarily list all discounts very well, so here is a list some of the best known and also the lesser-known discounts you could be receiving when you buy Seattle car insurance online.Discount insurance

It’s important to note that most discounts do not apply to the entire policy premium. Most only reduce the price of certain insurance coverages like medical payments or collision. So despite the fact that it appears all the discounts add up to a free policy, it’s just not the way it works.

A few of the larger companies and a selection of discounts are outlined below.

Before you buy a policy, ask each insurance company which discounts they offer. Some discounts might not be available to policyholders everywhere. If you would like to view insurance companies that offer many of these discounts in Washington, click here to view.

Insurance Premium Influencing Factors

Multiple criteria are used when you quote your car insurance policy. Some of the criteria are obvious like a motor vehicle report, but other factors are less apparent like your continuous coverage or your vehicle rating.

Which is the best car insurance?

When it comes to proper insurance coverage, there really is no best way to insure your cars. Everyone’s situation is a little different.Car insurance savings

These are some specific questions can aid in determining if your situation might need an agent’s assistance.

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. If you want to speak to an agent in your area, simply complete this short form.

Insurance agencies can find coverage gaps

Some people still prefer to talk to an insurance agent and that can be a smart move The biggest benefit of getting free rate quotes online is that drivers can save money and get cheaper auto insurance rates and still choose a local agent.

Find insurance agent in SeattleFor easy comparison, once you complete this simple form, your insurance data is emailed to participating agents in Seattle that provide free Seattle car insurance quotes for your car insurance coverage. It simplifies rate comparisons since you won’t have to contact any agents because quoted prices will be sent immediately to your email address. You can find better rates without the usual hassles of price shopping. If for some reason you want to compare rates from a particular provider, you just need to visit that company’s website and fill out their quote form.

Finding a good company shouldn’t rely on just a low price. The following questions are important to ask.

Seattle car insurance agents are either independent or exclusive

If you are wanting to find a reputable insurance agent or broker, it’s helpful to know the types of insurance agents to choose from. Agents in Seattle can be categorized as either independent or exclusive.

Exclusive Insurance Agencies

These type of agents can only write with one company like AAA, State Farm, Farmers Insurance, and Allstate. They are unable to give you multiple price quotes so you need to shop around if the rates are high. They receive a lot of sales training on their company’s products which helps them sell insurance even at higher premiums. Consumers frequently buy insurance from these agents mainly due to the brand legacy rather than having the cheapest rates.

Shown below are Seattle exclusive insurance agencies willing to provide price quotes.

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Independent Agencies or Brokers

These type of agents are not restricted to one company and that allows them to write policies with any number of different companies and find the cheapest car insurance rates. If your premiums go up, your policy is moved internally and that require little work on your part. If you need lower rates, you will definitely want to get insurance quotes from several independent insurance agents so that you have a good selection of quotes to compare. Many write coverage with companies that do not advertise much that may have much lower rates than larger companies.

Shown below are Seattle independent agencies willing to provide price quote information.

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Get the best coverage at the lowest price

As you go through the steps to switch your coverage, never skimp on critical coverages to save a buck or two. Too many times, someone sacrificed liability coverage limits only to regret at claim time they didn’t purchase enough coverage. The ultimate goal is to buy a smart amount of coverage at the best cost but still have enough coverage for asset protection.

There are still a few companies who don’t offer online rate quotes and these regional insurance providers work with independent insurance agents. Discount Chevy Suburban insurance can be found both online in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money.

You just learned some good ideas how you can reduce Chevy Suburban insurance rates online in Seattle. The key concept to understand is the more times you quote, the better likelihood of getting the cheapest Chevrolet Suburban rate quotes. Drivers may even discover the most savings is with some of the lesser-known companies.

More information can be found at the links below