Are you tired of overpaying and want low-cost Chevy Suburban insurance in Aurora? Consumers new to buying car insurance online can find buying low cost Chevrolet Suburban insurance can be quite difficult.

Insurance quote for Chevy Suburban in AuroraAstonishing but true according to a recent study, most drivers renewed their policy with the same company for over three years, and roughly 40% of drivers have never shopped around. The average driver in Colorado could save an average of up to 35% each year just by getting comparison quotes, but they just feel it's too hard to compare rates online.

When shopping for cheaper Aurora car insurance quotes, there are a couple of ways to obtain and compare prices from lots of Colorado insurance companies. The easiest way to compare Chevy Suburban insurance prices is simply to get online rate quotes.

When quoting insurance, remember that comparing more quotes helps increase your odds of locating the best offered rates. Not every company allows you to get price estimates online, so it's necessary to compare prices from them as well.

The providers in the list below offer quotes in Aurora, CO. If several companies are displayed, we recommend you visit two to three different companies in order to get a fair rate comparison.

Chevrolet Suburban Insurance Costs in Aurora, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $192 $306 $330 $20 $98 $946 $79
Suburban LT 2WD $306 $458 $352 $20 $106 $1,242 $104
Suburban LS 4WD $300 $526 $426 $26 $128 $1,406 $117
Suburban LT 4WD $334 $628 $426 $26 $128 $1,542 $129
Suburban LTZ 2WD $194 $370 $338 $20 $100 $1,022 $85
Suburban LTZ 4WD $204 $332 $358 $22 $108 $1,024 $85
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, safe-driver, claim-free, homeowner, and multi-vehicle. Rates do not factor in specific location information which can affect prices noticeably.

Deductible comparison

A question often asked by Aurora drivers is how low should you set your deductibles. The tables below highlight the price difference when you select higher and lower policy deductibles. The first data table uses a $100 deductible and the second price chart uses a $500 deductible.

Chevrolet Suburban insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $342 $546 $352 $20 $106 $1,391 $116
Suburban LT 2WD $342 $546 $352 $20 $106 $1,391 $116
Suburban LS 4WD $342 $546 $352 $20 $106 $1,391 $116
Suburban LT 4WD $342 $546 $352 $20 $106 $1,391 $116
Suburban LTZ 2WD $342 $644 $352 $20 $106 $1,489 $124
Suburban LTZ 4WD $380 $644 $352 $20 $106 $1,527 $127
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Chevrolet Suburban insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $250 $368 $352 $20 $106 $1,096 $91
Suburban LT 2WD $250 $368 $352 $20 $106 $1,096 $91
Suburban LS 4WD $250 $368 $352 $20 $106 $1,096 $91
Suburban LT 4WD $250 $368 $352 $20 $106 $1,096 $91
Suburban LTZ 2WD $250 $434 $352 $20 $106 $1,162 $97
Suburban LTZ 4WD $278 $434 $352 $20 $106 $1,190 $99
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Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, multi-vehicle, and safe-driver. Rates do not factor in specific location information which can change prices greatly.

Based on the figures above, using a $100 deductible costs approximately $26 more each month or $312 annually than choosing the higher $500 deductible. Because you would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you have at least 15 months between claim filings, you would more than likely save some money if you opt for a higher deductible.

Gender differences in auto insurance premiums

The chart below visualizes the comparison of Chevrolet Suburban yearly insurance costs for male and female drivers. The prices are based on no claims or driving violations, full physical damage coverage, $250 deductibles, drivers are single, and no discounts are factored in.

Lower rate quotes by taking advantage of discounts

Not many people think insurance is cheap, but there are discounts available to help offset the cost. Certain credits will be shown when you quote, but a few must be specifically requested prior to getting the savings.Save money with discounts

Please keep in mind that most discounts do not apply to your bottom line cost. Some only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates it's possible to get free car insurance, you're out of luck.

To see insurers that offer discounts in Aurora, click here to view.

Local Aurora car insurance agents

A small number of people still like to buy from a licensed agent and we recommend doing that A nice benefit of getting online price quotes is you can get cheap rate quotes but also keep your business local.

Find insurance agent in AuroraFor easy comparison, once you complete this form (opens in new window), your insurance coverage information is emailed to local insurance agents who can give free rate quotes for your coverage. It makes it easy because there is no need to search for an agent since rate quotes are delivered straight to your inbox. It's the lowest rates and a licensed agent to work with. If you have a need to get a price quote from a particular provider, you just need to go to their quote page and fill out the quote form the provide.

Choosing the best insurer should include more criteria than just a cheap quote. These are some questions your agent should answer.

What types of auto insurance agents are in Aurora?

If you are wanting to purchase auto insurance from a local insurance agency, you should know the types of agencies and how they can write your policy. Auto insurance agents can be categorized as either exclusive or independent (non-exclusive).

Exclusive Insurance Agencies

Exclusive agencies generally can only insure with one company and examples are State Farm, Allstate, and Farm Bureau. Exclusive agencies are unable to provide rate quotes from other companies so you need to shop around if the rates are high. Exclusive agencies receive extensive training in insurance sales and that enables them to sell even at higher rates. Some consumers prefer to use the same agent partially due to the brand legacy and strong financial ratings.

The following are Aurora exclusive agents that are able to give comparison quotes.

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Independent Agents

Agents that choose to be independent are not employed by any specific company so as a result can place your coverage with an assortment of companies and find the cheapest auto insurance rates. If prices rise, the agent simply finds a different carrier and you don't have to do anything.

When comparing auto insurance rates, it's a good idea to get insurance quotes from multiple independent agents to get the best comparison. They also have the ability to place coverage with additional companies that you may not be familiar with which can be an advantage.

Below is a list of independent insurance agents in Aurora that are able to give comparison quotes.

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How Your Suburban Insurance Costs are Determined

Lots of things are used when you get your auto insurance bill. Some are obvious such as your driving record, but other criteria are not quite as obvious like your continuous coverage or how financially stable you are.

City traffic equals higher premiums - Having an address in a rural area can be a good thing when it comes to car insurance. Less people living in that area translates into fewer accident claims. City drivers regularly have traffic congestion and more time behind the wheel. Higher commute times can result in more accidents.

Are you male or female? - Over time, data shows that women are safer drivers than men. However, this does not mean men are worse drivers. Women and men cause at-fault accidents in similar numbers, but men tend to have more serious accidents. They also get more serious tickets like reckless driving and DUI.

High credit rating translates to low premiums - Credit score factor in determining premium rates. Drivers with high credit ratings tend to be more responsible and file fewer claims as compared to drivers with lower credit scores. If your credit history is not that good, you could be paying less to insure your Chevrolet Suburban if you improve your credit rating.

Getting married is a bonus - Having a spouse can get you a discount on your car insurance bill. It means you're less irresponsible and insurance companies reward insureds because being married results in fewer claims.

High premiums for younger drivers - Older, more experienced drivers are more responsible, statistically cause fewer accidents, and tend to be get fewer driving tickets.Young drivers have been known to get distracted easily when driving with friends so they pay higher car insurance rates.

Vehicle options impact premiums - Choosing a vehicle with a theft deterrent system can help lower your premiums. Anti-theft features like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar help track and prevent auto theft.

Claims statistics for a Chevy Suburban - Insurers use historical loss data to calculate a price that will offset losses. Vehicles that tend to have higher losses will have higher rates.

The table below shows the insurance loss data for Chevy Suburban vehicles. For each policy coverage type, the claim probability for all vehicles, without regard to make or model, is a value of 100. Numbers under 100 suggest losses that are better than average, while numbers above 100 indicate more frequent losses or a tendency for losses to be larger than average.

Chevrolet Suburban Insurance Claim Statistics

Specific Chevrolet 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 Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Auto insurance in Colorado serves several purposes

Despite the high cost, insuring your vehicle serves several important purposes.

The benefits of insuring your car more than offset the price you pay, especially if you ever need it. The average driver in Colorado overpays more than $700 annually so we recommend shopping around every year to ensure rates are competitive.

In conclusion

There are still a few companies who do not offer rates over the internet and many times these smaller companies only sell coverage through independent agents. Lower-priced Chevy Suburban insurance in Aurora can be found from both online companies as well as from independent agents in Aurora, and you should be comparing both so you have a total pricing picture.

People change insurance companies for many reasons like delays in paying claims, high rates after DUI convictions, policy cancellation and even an unsatisfactory settlement offer. It doesn't matter what your reason, switching car insurance companies is pretty easy and you might even save some money in the process.

When shopping online for car insurance, it's not a good idea to skimp on coverage in order to save money. Too many times, an insured dropped liability coverage limits only to regret at claim time that a couple dollars of savings turned into a financial nightmare. Your strategy should be to buy enough coverage for the lowest cost but still have enough coverage for asset protection.

Much more information about car insurance in Colorado can be read at the links below