Cheapest Chevy Suburban Insurance in Atlanta

Insurance for Chevy SuburbanWould you like an easy way to compare cheaper Chevy Suburban insurance in Atlanta? Locating low-cost insurance for a Chevy Suburban in Georgia can turn out to be a lot of work, but you can learn these tips to find lower rates. There are both good and bad ways to buy car insurance so you’re going to learn the proper way to compare rates for a Chevy and get the best price possible either online or from Atlanta insurance agents.

Best companies for competitive Chevy Suburban insurance in Georgia

The car insurance companies shown below are our best choices to provide free rate quotes in Georgia. If several companies are displayed, we suggest you compare several of them in order to find the lowest rates.

Chevrolet Suburban Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $382 $612 $394 $24 $118 $1,530 $128
Suburban LT 2WD $436 $612 $516 $30 $154 $1,748 $146
Suburban LS 4WD $278 $414 $394 $24 $118 $1,228 $102
Suburban LT 4WD $298 $520 $378 $22 $114 $1,332 $111
Suburban LTZ 2WD $274 $560 $476 $28 $142 $1,480 $123
Suburban LTZ 4WD $236 $380 $394 $24 $118 $1,152 $96
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Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Georgia minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, multi-vehicle, and safe-driver. Rate information does not factor in garaging location in Atlanta which can revise coverage prices substantially.

Chevrolet Suburban insurance rates by age and gender

The illustration below visualizes the comparison of Chevrolet Suburban insurance prices for male and female drivers. The costs are based on no claims, a clean driving record, full coverage, $100 deductibles, marital status is single, and no discounts are factored in.

Choosing deductibles

One frequently asked question is at what level do you set your deductibles. The comparison tables below can help you understand the rate difference when you select higher and lower deductibles. The first data table uses a $250 physical damage coverage deductible and the second set of prices uses a $500 deductible.

Chevrolet Suburban insurance rates with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $344 $512 $394 $24 $118 $1,417 $118
Suburban LT 2WD $344 $512 $394 $24 $118 $1,417 $118
Suburban LS 4WD $344 $512 $394 $24 $118 $1,417 $118
Suburban LT 4WD $344 $512 $394 $24 $118 $1,417 $118
Suburban LTZ 2WD $344 $604 $394 $24 $118 $1,509 $126
Suburban LTZ 4WD $382 $604 $394 $24 $118 $1,547 $129
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Chevrolet Suburban insurance rates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $278 $414 $394 $24 $118 $1,228 $102
Suburban LT 2WD $278 $414 $394 $24 $118 $1,228 $102
Suburban LS 4WD $278 $414 $394 $24 $118 $1,228 $102
Suburban LT 4WD $278 $414 $394 $24 $118 $1,228 $102
Suburban LTZ 2WD $278 $486 $394 $24 $118 $1,300 $108
Suburban LTZ 4WD $310 $486 $394 $24 $118 $1,332 $111
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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Georgia minimum liability limits. Discounts applied include homeowner, multi-policy, claim-free, multi-vehicle, and safe-driver. Rates do not factor in vehicle garaging location which can impact insurance rates noticeably.

We can estimate from the data above that using a $250 deductible costs approximately $16 more each month or $192 every year than quoting the higher $500 deductible. Since you would pay $250 more to file a claim with a $500 deductible as compared to a $250 deductible, if you normally average at least 16 months between claim filings, you would most likely save money if you choose a higher deductible.

Price comparison of only insuring for liability

The chart below illustrates the difference between Chevrolet Suburban insurance costs with liability coverage only compared to full coverage. The prices are based on a clean driving record, no claims, $500 deductibles, married male driver, and no other discounts are factored in.

Guidelines for dropping full coverage

There is no definitive formula for phasing out physical damage coverage on your policy, but there is a general guideline you can use. If the yearly cost of full coverage is more than 10% of the settlement you would receive from your company, then you might consider buying liability only.

For example, let’s say your Chevrolet Suburban replacement cost is $9,000 and you have $1,000 policy deductibles. If your vehicle is totaled in an accident, you would only receive $8,000 after the deductible is paid. If you are paying in excess of $800 a year for full coverage, then it may be the right time to buy liability only.

There are a few situations where dropping full coverage is not recommended. If you haven’t paid off your loan, you have to maintain full coverage in order to keep the loan. Also, if you can’t afford to buy a different vehicle in the event your current vehicle is totaled, you should keep full coverage on your policy.

Atlanta car insurance discounts

Car insurance is not cheap nor is it fun to buy but companies offer discounts that you may not even know about. Certain reductions will be credited at the time of quoting, but lesser-known reductions have to be requested specifically before being credited. If you are not receiving all the discounts you qualify for, you are not getting the best rate possible.Cheaper car insurance with discounts

Policy discounts save money, but most credits do not apply to your bottom line cost. Some only apply to specific coverage prices like medical payments or collision. Despite the fact that it seems like you can get free auto insurance, nobody gets a free ride.

A list of companies and the discounts they provide are shown below.

Before you buy a policy, ask each company which discounts you qualify for. Some discounts listed above may not apply to policies in Atlanta.

Six Things That Impact Your Insurance Prices

Lots of things are considered when you quote your car insurance policy. Most are fairly basic like an MVR report, although others are less apparent such as your credit history or your commute time.

Credit score impacts premium costs – Having a bad credit score factor in determining your rates. Insureds that have very high credit ratings tend to be better drivers and file fewer claims than drivers who have poor credit scores. So if your credit is not that good, you could potentially save money when insuring your Chevrolet Suburban by improving your rating.

Safer the car lower the rate – Safer cars tend to be cheaper to insure. Vehicles engineered for safety reduce the chance of injuries and better occupant protection means less claims paid passed on to you as lower rates. If the Chevy Suburban earned at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website you may pay a lower rate.

Car insurance rates and your employer – Careers like military personnel, social workers and emergency personnel have higher average rates due to intense work situations and incredibly demanding work hours. Other jobs like actors, engineers and the unemployed have lower than average premiums.

Low physical damage deductibles can be expensive – Insurance for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, is used to repair damage to your vehicle. Some examples of covered claims would be colliding with a building, damage caused by hail, and rolling your vehicle. The deductibles you choose define how much you are required to spend if a claim is determined to be covered. The more expense you choose to pay out-of-pocket, the less your car insurance will be.

Costs are impacted by vehicle performance – The performance of the car you own makes a big difference in your premium level. The lowest premiums are for the lowest performance passenger vehicles, but the cost you end up paying is determined by many additional factors. Since the Chevrolet Suburban is considered a standard SUV, rates will be slightly more as compared to the average rate in Atlanta.

Drive less and save – The higher the mileage driven annually the more it will cost to insure it. Almost all companies charge rates based on their usage. Cars and trucks that sit idle most of the time can be on a lower rate level compared to those used for work or business. Having an incorrect usage rating on your Suburban can cost quite a bit. It’s always a good idea to double check that your car insurance declarations sheet properly reflects how each vehicle is driven, because it can save money.

Chevy Suburban claim statistics – Car insurance companies use historical loss data to help set a rate to offset losses. Models that the statistics show to have higher loss trends will have increased rates. The table below shows the collected loss data for Chevy Suburban vehicles.

For each coverage category, the claim amount for all vehicles averaged together is considered to be 100. Values that are 100 or less represent a good loss history, while values over 100 indicate more frequent claims or an increased chance of larger losses than average.

Chevrolet Suburban Insurance Loss Statistics

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

Empty fields indicate not enough data collected
Statistics from for 2013-2015 Model Years

You may need help from an insurance agent

Certain consumers just prefer to sit down with an agent and that is a personal choice. Professional insurance agents will help you protect your assets and help you file claims. One of the best bonuses of comparing insurance prices online is the fact that you can find cheap insurance quotes and still buy from a local agent.

Find insurance agent in AtlantaOnce you complete this short form, the quote information gets sent to companies in Atlanta who will return price quotes for your business. It simplifies rate comparisons since you won’t have to contact any insurance agencies because prices are sent immediately to your email address. If you wish to compare rates from a specific insurance provider, just jump over to their website and fill out their quote form.

Choosing the best insurer shouldn’t rely on just the bottom line cost. Here are some questions to ask:

Choose the right car insurance agent

If you are wanting to find a good Atlanta insurance agent, it can be helpful to understand the different agency structures and how they are distinctly different. Agents in Atlanta can either be exclusive or independent (non-exclusive). Either one can do a good job, but we need to point out how they are different because it may have an impact on which type of agent you select.

Exclusive Insurance Agencies

Exclusive insurance agents write business for a single company such as Allstate, State Farm and Farm Bureau. These agents are not able to compare other company’s rates so keep that in mind. These agents are trained well on what they offer which helps them sell insurance even at higher premiums. Many people use the same exclusive agent primarily because of high brand loyalty and solid financial strength.

Listed below is a short list of exclusive agents in Atlanta who may provide you with price quote information.

More Atlanta agents

Independent Agencies or Brokers

Independent agents are not required to write business for one company and that allows them to write policies through many different insurance companies and find the cheapest rate. If your premiums go up, your policy is moved internally which requires no work on your part.

When searching for an agent, we highly recommend that you include price quotes from several independent agencies so that you can do a thorough price comparison. A lot of them also have access to mutual insurance companies that many times have cheaper rates.

Shown below are independent agencies in Atlanta who can help you get price quotes.

More Atlanta agents

Compare but don’t skimp

People leave their current company for a variety of reasons including not issuing a premium refund, high prices, questionable increases in premium or even poor customer service. It doesn’t matter what your reason, finding a new company is easier than you think.

When shopping online for auto insurance, do not buy lower coverage limits just to save a few bucks. In many instances, drivers have reduced uninsured motorist or liability limits and learned later that the small savings ended up costing them much more. Your strategy should be to purchase a proper amount of coverage at an affordable rate and still be able to protect your assets.

Throughout this article, we presented many ways to get a better price on Chevy Suburban insurance in Atlanta. The most important thing to understand is the more price quotes you have, the better likelihood of getting affordable Atlanta car insurance quotes. You may even be surprised to find that the lowest rates come from the least-expected company.

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