Discount Chevy Suburban insuranceHow long has it been since you compared low-cost Chevy Suburban insurance in Fort Collins? Are you regretting buying an expensive car insurance policy? You're preaching to the choir because you're not alone.

A study showed that about 70% of customers have been with the same company for over three years, and nearly 40% of drivers have never compared rates to find cheap insurance. Drivers in Fort Collins could save up to $610 a year by just comparing quotes, but they just assume it's a time-consuming process to find cheap car insurance rates. Many insurance companies compete for your insurance dollar, and because of this it can be hard to compare auto insurance companies to discover the definitive lowest rate on Chevy Suburban insurance in Fort Collins.

Lower Your Fort Collins Insurance Premiums

Multiple criteria are used in the calculation when you get your auto insurance bill. Some of the criteria are obvious such as your driving record, but others are not quite as obvious such as your credit history or your commute time. Consumers need to have an understanding of some of the things that come into play when calculating the level of your policy premiums. If you know what positively or negatively impacts your premiums, this allows you to make good choices that can help you get much lower annual insurance costs.

Physical damage deductibles - Physical damage coverage, termed comprehensive and collision coverage on your policy, protects your Chevy from damage. Some examples of covered claims could be a dented fender, vandalism, and damage caused by flying debris. Physical damage deductibles represent how much money you are required to spend in the event of a claim. The more money the insured is willing to pay, the less your auto insurance will be.

High credit rating translates to low costs - Having a good credit score factor in calculating your premium rate. Insureds that have high credit scores tend to be more responsible and file fewer claims than drivers who have lower ratings. So if your credit leaves room for improvement, you could be paying less to insure your Chevrolet Suburban by taking the time to improve your credit score.

Single drivers take more risk - Having a spouse can actually save you money when buying auto insurance. Marriage generally demonstrates drivers are less irresponsible and statistics prove married drivers get in fewer accidents.

Performance affects premiums - The performance level of the car you are trying to find cheaper insurance for makes a big difference in your auto insurance rates. Due to the fact that the Chevrolet Suburban is a standard SUV, insurance will be slightly more as compared to the average rate in Fort Collins. Smaller low performance passenger vehicles usually have the lowest premiums, but that's not the only thing that factors into the final price.

Driver age impacts rates - Young drivers in Colorado are known to be inattentive and easily distracted when driving with friends so they pay higher auto insurance rates. Older drivers are more responsible, cost insurance companies less in claims, and receive fewer citations.

Do you have enough liability coverage? - Liability coverage is the coverage that protects you if a jury decides you are liable for an accident. This coverage provides legal defense coverage to attempt to prove you were not liable. This coverage is very inexpensive when compared to the cost of physical damage coverage, so insureds should have plenty of protection for their assets.

Your car's features help determine prices - Choosing to buy a car that has an advanced theft prevention system can earn a premium discount. Advanced theft deterrents such as LoJack tracking devices, vehicle tamper alarm systems or GM's OnStar system help track and prevent your vehicle from being stolen.

Chevy Suburban insurance loss statistics - Companies use past insurance losses as a way to help calculate a profitable premium rate. Models that tend to have higher losses will have increased rates.

The table shown below demonstrates the insurance loss data used by companies for Chevy Suburban vehicles. For each policy coverage, the claim amount for all vehicles as a whole is equal to 100. Numbers that are below 100 imply a favorable loss record, while values that are above 100 indicate more frequent losses or tendancy to have higher losses.

Chevrolet Suburban Insurance Loss Statistics

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

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

The fastest way that we advise to get rate comparisons for Chevy Suburban insurance in Fort Collins is to take advantage of the fact car insurance companies have advanced systems to give you rate quotes. To begin a comparison, all you need to do is provide a small amount of information including distance driven, if you're married, deductibles desired, and any included safety features. The data is instantly provided to many different companies and they return rate quotes very quickly.

To find lower cheaper Chevy Suburban insurance rates now, click here and enter your zip code.

The companies shown below provide free quotes in Colorado. If several companies are displayed, we suggest you visit several of them to find the lowest car insurance rates.

Chevrolet Suburban Insurance Rate Estimates in Fort Collins, CO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $184 $282 $358 $22 $108 $954 $80
Suburban LT 2WD $244 $424 $426 $26 $128 $1,248 $104
Suburban LS 4WD $264 $448 $368 $22 $110 $1,212 $101
Suburban LT 4WD $262 $454 $330 $20 $98 $1,164 $97
Suburban LTZ 2WD $284 $434 $460 $28 $138 $1,344 $112
Suburban LTZ 4WD $310 $496 $362 $22 $108 $1,298 $108
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Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Colorado minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Rate quotes do not factor in zip code location which can affect prices noticeably.

Premiums by gender and age

The chart below shows the difference between Chevrolet Suburban insurance rates for male and female drivers. The rate quotes are based on a clean driving record, no at-fault accidents, comp and collision included, $500 deductibles, drivers are not married, and no discounts are factored in.

Policy deductible comparison

One frequently asked question is what deductibles to buy. The data tables below determine the premium difference when you select higher and lower insurance deductibles. The first rate quote example uses a $100 deductible and the second data table uses a $500 deductible.

Chevrolet Suburban insurance premium rates 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 rates 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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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Colorado minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price information does not factor in your specific Fort Collins location which can influence auto insurance rates considerably.

Based on this data, we can arrive at the conclusion that using a $100 deductible will cost you approximately $26 more each month or $312 a year than requesting the higher $500 deductible. Due to the fact that you would have to pay $400 more to settle a claim with a $500 deductible as compared to a $100 deductible, if you average at least 15 months between claim filings, you would probably save some money if you opt for a higher deductible. The table below illustrates the way this decision is made.

Average monthly premium for $100 deductibles: $119
Average monthly premium for $500 deductibles (subtract): - $93
Monthly savings from raising deductible: $26
Difference between deductibles ($500 - $100): $400
Divide difference by monthly savings: $400 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One big caveat is that raising deductibles to get cheaper rates means you will have to pay more of your own money when you do file a claim. You must have enough money put aside in the event you have to pay the deductible.

Impact of speeding/accidents on Fort Collins auto insurance rates

The information below illustrates how speeding tickets and at-fault fender-benders impact Chevrolet Suburban car insurance rates for each different age category. The prices are based on a married male driver, comprehensive and collision coverage, $500 deductibles, and no additional discounts are factored in.

Choosing Chevy Suburban insurance is an important decision

Despite the high cost of buying insurance for a Chevy Suburban in Fort Collins, maintaining insurance may be required for several reasons.

First, almost all states have compulsory liability insurance requirements which means it is punishable by state law to not carry specific minimum amounts of liability coverage in order to drive the car. In Colorado these limits are 25/50/15 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.

Second, if you took out a loan on your vehicle, more than likely the lender will have a requirement that you have full coverage to guarantee their interest in the vehicle. If you let the policy lapse, the bank will be required to insure your Chevy at a significantly higher premium and require you to fork over much more than you were paying before.

Third, insurance protects both your car and your assets. It also can pay for hospital and medical expenses for you, any passengers, and anyone injured in an accident. Liability insurance also covers legal expenses if you are named as a defendant in an auto accident. If damage is caused by hail or an accident, collision and comprehensive (also known as other-than-collision) coverage will pay to restore your vehicle to like-new condition.

The benefits of carrying adequate insurance more than offset the price you pay, particularly when you have a large claim. On average, a vehicle owner in Fort Collins is overpaying more than $700 annually so it's important to compare rates at every renewal to make sure the price is not too high.

Insurance policy discounts for Chevy Suburban insurance in Fort Collins

Insurance is easily one of your largest bills, but there's a good chance there are discounts that many people don't even know exist. Most are applied at the time of purchase, but some discounts are required to be inquired about prior to receiving the credit. If you aren't receiving every discount you qualify for, you are not getting the best rate possible.Discount insurance

Drivers should understand that many deductions do not apply to the entire cost. A few only apply to individual premiums such as liability and collision coverage. So when the math indicates all those discounts means the company will pay you, companies wouldn't make money that way.

A few companies that may have many of the previously listed discounts may include but are not limited to:

Before buying, ask each company which discounts they offer. Discounts may not be offered in Fort Collins.

When should I have guidance from an agent?

A lot of people would rather sit down with an agent and often times that is recommended Good agents can point out coverage gaps and will help you if you have claims. One of the best bonuses of comparing rates online is that you can find the lowest rates but still work with a licensed agent. Buying insurance from small agencies is definitely important in Fort Collins.

Find insurance agent in Fort CollinsOnce you complete this quick form, your information is immediately sent to companies in Fort Collins who want to provide quotes for your insurance coverage. There is no reason to leave your computer because prices are sent immediately to you. If you want to quote rates from a specific insurance company, you can always jump over to their website and fill out their quote form.

If you are wanting to purchase insurance from local Fort Collins agents, it's important to understand the types of agencies that differ in how they can insure your vehicles. Agencies in Fort Collins are either independent agents or exclusive agents depending on their employer. Both sell insurance policies, but it's important to point out the difference in the companies they write for because it may have an impact on the selection process.

Independent Agents

Independent agencies are not restricted to one company so they can write business with a variety of different insurance companies and find you cheaper rates. If you want to switch companies, they can switch companies in-house and you don't have to do anything. When searching for an agent, you need to compare prices from at a minimum one independent agency for the best price selection.

Listed below is a partial list of independent insurance agents in Fort Collins who may be able to give you rate quotes.

148 W Oak St - Fort Collins, CO 80524 - (970) 490-1530 - View Map

144 N Mason St # 5 - Fort Collins, CO 80524 - (970) 672-8853 - View Map

4532 E Boardwalk Dr #200 - Fort Collins, CO 80525 - (970) 482-7747 - View Map

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Exclusive Insurance Agencies

Exclusive agents can usually just insure with one company like Allstate, State Farm and Farm Bureau. These agents are unable to shop your coverage around so keep that in mind. Exclusive agents receive extensive training on the products they sell which helps overcome the inability to quote other rates.

Below is a list of exclusive agents in Fort Collins who can help you get comparison quotes.

Ironwood Plaza, 3201 E Mulberry St h - Fort Collins, CO 80524 - (970) 224-5757 - View Map

3307 S College Ave - Fort Collins, CO 80525 - (970) 223-2219 - View Map

2000 S College Ave #210 - Fort Collins, CO 80525 - (970) 229-9393 - View Map

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Finding the right insurance agent requires you to look at more than just the bottom line cost. Below are some questions you should ask.

After you get acceptable answers to any questions you have as well as a price you're happy with, chances are good that you have found a car insurance agent that is professional and can insure your vehicles. But remember, it's your coverage and you can terminate your policy at any point so don't think you are locked into your new company for a certain time period.

Special considerations

Always remember that when buying insurance from an agent or online, there really is no "perfect" insurance plan. Every situation is different.Drive safe and save

Here are some questions about coverages that may help you determine whether your personal situation could use an agent's help.

If you can't answer these questions but a few of them apply, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and may give you better protection.

Final considerations

When buying insurance coverage, do not buy lower coverage limits just to save a few bucks. In many cases, someone dropped collision coverage and found out when filing a claim that their decision to reduce coverage ended up costing them more. The aim is to purchase a proper amount of coverage at the lowest possible cost.

We've covered many ideas to reduce Chevy Suburban insurance rates online in Fort Collins. The key thing to remember is the more providers you compare, the better your chances of lowering your auto insurance rates. Drivers may even discover the lowest priced car insurance comes from some of the lesser-known companies.

More affordable car insurance in Fort Collins is available on the web in addition to many Fort Collins insurance agents, so you should be comparing quotes from both to get a complete price analysis. Some companies may not have rates over the internet and most of the time these regional insurance providers sell through local independent agencies.

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