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.

Statistics 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.

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.

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.

• Fewer Miles Equal More Savings – Driving fewer miles could qualify for slightly better insurance rates than normal.
• Multi-line Discount – Select insurance companies reward you with a break if you buy some life insurance in addition to your auto policy.
• Military Rewards – Being deployed in the military can result in better prices.
• Driver Safety – Taking a defensive driving class can save you 5% or more and also improve your driving technique.
• Payment Discounts – By making one initial payment as opposed to paying monthly you may reduce your total bill.
• Discounts for Seat Belt Usage – Using a seat belt and requiring all passengers to buckle their seat belts can save a little on medical payment and PIP coverage.

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.

• Farmers Insurance has discounts for distant student, alternative fuel, mature driver, multi-car, teen driver, and switch companies.
• State Farm may offer discounts for good student, Drive Safe & Save, multiple autos, Steer Clear safe driver discount, and multiple policy.
• Liberty Mutual may include discounts for new vehicle discount, multi-policy, exclusive group savings, new move discount, and preferred payment discount.
• MetLife offers discounts including good student, good driver, accident-free, defensive driver, multi-policy, and claim-free.
• Progressive policyholders can earn discounts including homeowner, multi-vehicle, multi-policy, online signing, good student, continuous coverage, and online quote discount.

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.

• Type of vehicle determines base costs – The performance of the car you are trying to find cheaper insurance for makes a substantial difference in your car insurance bill. Since the Chevrolet Suburban is considered a standard SUV, rates will be slightly more as compared to the average rate in Seattle. Low performance passenger models usually have the lowest rates, but that’s not the only thing that factors into the final price.
• Age of drivers impacts prices – Older insureds are shown to be more cautious, statistically cause fewer accidents, and are safer drivers.Young drivers are statistically shown to be inattentive when at the wheel of a vehicle therefore car insurance rates are much higher.
• City traffic equals higher costs – Having an address in a rural area may provide you with better prices when it comes to car insurance. People who live in big cities tend to have more traffic problems and much longer commute distances. Lower population translates into fewer accidents as well as less vandalism and auto theft.
• Guys are more aggressive – Over the last 50 years, statistics have shown females are less aggressive when driving. However, this does not mean men are worse drivers. Both genders cause fender benders in similar percentages, but the male of the species have accidents that have higher claims. Men also tend to get cited for more serious violations like DWI (DUI) or reckless driving.
• Avoid tickets and save – Your driving citation history impacts your car insurance rates tremendously. Drivers who don’t get tickets pay lower auto insurance prices than their less careful counterparts. Getting just one ticket can boost insurance rates by twenty percent. Drivers unfortunate enough to have license-revoking citations like hit and run, DWI or reckless driving convictions may be required to submit a SR-22 form to the state department of motor vehicles in order to legally drive a vehicle.
• Higher prices for high stress vocations – Occupations like military personnel, business owners and miners have higher premiums than the average policyholder in part from stressful work requirements and long work hours. Conversely, careers such as farmers, engineers and homemakers get better rates.
• Annual mileage and car insurance premiums – The more you drive your Chevy each year the higher your rates will be. Almost all companies apply a rate partially by how you use the vehicle. Cars that have low annual miles receive better premium rates compared to those used for work or business. It’s a smart idea to ensure your vehicle rating states the proper vehicle usage. An incorrectly rated Suburban may be costing you higher rates.
• How much liability coverage – Liability insurance will provide protection if ever a court rules you are at fault for physical damage or personal injury to other. This coverage provides legal defense coverage which can be incredibly expensive. This coverage is relatively inexpensive compared to insuring for physical damage coverage, so do not cut corners here.
• Insurance losses for a Chevy Suburban – Car insurance companies analyze historical claim data when determining insurance prices. Models that the data shows to have increased claim numbers or amounts will have higher rates. The table below demonstrates the actual insurance loss data for Chevy Suburban vehicles.

  For each coverage category, the statistical loss for all vehicles, without regard to make or model, equals 100. Numbers that are below 100 imply a favorable loss record, while numbers above 100 indicate a higher chance of having a claim or an increased likelihood of larger losses.

  Car Insurance Loss Data for Chevrolet Suburban Models

  Vehicle Make and Model	Collision	Property Damage	Comp	Personal Injury	Medical Payment	Bodily Injury
  Chevrolet Suburban 1500 4dr 2WD	90	92	90	67
  Chevrolet Suburban 1500 4dr 4WD	109	113	124	72	70

  BETTER

  AVERAGE

  WORSE

  Empty fields indicate not enough data collected
  Data Source: iihs.org (Insurance Institute for Highway Safety) for 2013-2015 Model Years

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.

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

• Am I covered while delivering pizza?
• Are split liability limits better than a combined single limit?
• Is a blown tire covered by insurance?
• Should I buy full coverage?
• Should I drop comprehensive coverage on older vehicles?
• What does roadside assistance cover?

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.

For 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.

• Do you work with a CSR or direct with the agent?
• How long has the business existed?
• Do they receive special compensation for putting your coverage with one company over another?
• Are you getting all the discounts the company offers?
• Can you get a list of referrals?
• Will a damage claim use OEM or aftermarket replacement parts?
• Will the quote change when the policy is issued?

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.

• Raymond Insurance-Pemco and Progressive
  6011 California Ave SW – Seattle, WA 98136 – (206) 933-8812 – View Map
• George Fu – State Farm Insurance Agent
  9026 Roosevelt Way NE – Seattle, WA 98115 – (206) 524-0330 – View Map
• Terry Gangon – State Farm Insurance Agent
  4727 44th Ave SW Ste 100 – Seattle, WA 98116 – (206) 935-9955 – View Map

View more agents

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.

• Christopher Togawa Insurance Agency
  222 Etruria St # 110 – Seattle, WA 98109 – (206) 838-9450 – View Map
• Michael Wong Insurance
  1200 Westlake Ave N #607 – Seattle, WA 98109 – (206) 284-0171 – View Map
• BGI Agency Network Inc
  4634 E Marginal Way S C 140 – Seattle, WA 98134 – (206) 682-9990 – View Map

View more agents

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

• Rental Car Insurance Tips (Insurance Information Institute)
• What Insurance is Cheapest for a Subaru Outback in Seattle? (FAQ)
• How Much is Seattle Auto Insurance for Drivers with Accidents? (FAQ)
• Who Has the Cheapest Seattle Car Insurance for a School Permit? (FAQ)
• Booster Seat Ratings (iihs.org)
• Understanding Car Crashes Video (iihs.org)
• How Much Auto Coverage do I Need? (Insurance Information Institute)