Cheap Chevy Suburban Insurance in Kansas City

Astonishing but true, almost 70% of drivers in Missouri have bought insurance from the same company for over three years, and nearly 40% of drivers have never compared rates to find affordable insurance. American drivers can save as much as $860 each year by just shopping around, but they just don’t understand the actual amount they would save if they moved their coverage to a different company.

If your goal is the lowest price, then the best way to get affordable car insurance rates in Kansas City is to compare prices annually from insurance carriers in Missouri.

• Step 1: Gain an understanding of what coverages are included in your policy and the measures you can take to keep rates in check. Many rating factors that cause rate increases like speeding tickets, accidents and an unacceptable credit history can be eliminated by being financially responsible and driving safely.
• Step 2: Compare rates from exclusive agents, independent agents, and direct providers. Direct and exclusive agents can only quote rates from a single company like GEICO or Allstate, while agents who are independent can quote rates from multiple companies.
• Step 3: Compare the new rate quotes to your existing rates to see if you can save by switching companies. If you can save money, ensure there is no coverage lapse between policies.

A good tip to remember is to try to compare the same physical damage deductibles and liability limits on every quote request and and to look at as many companies as you can. This ensures an accurate price comparison and a good representation of prices.

Just keep in mind that getting more free quotes provides better odds of finding a lower rate than you’re paying now.

The providers in the list below are ready to provide price quotes in Kansas City, MO. If your goal is to find cheaper auto insurance in Kansas City, we recommend you click on several of them in order to get a fair rate comparison.

Analysis of coverages

The rate information shown below covers estimates of policy rates for Chevy Suburban models. Learning more about how policy premiums are formulated is important to be able to make informed decisions when comparing rates.

Cost estimates assume single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Premium amounts do not factor in specific garaging location which can affect coverage prices noticeably.

Choosing deductibles

A question often asked by Kansas City drivers is how low should you set your deductibles. The figures shown below outline the premium difference of buying low and high deductibles. The first rate quote example uses a $100 comprehensive and collision deductible and the second price chart uses a $500 deductible.

Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Missouri minimum liability limits. Discounts applied include claim-free, multi-policy, multi-vehicle, safe-driver, and homeowner. Information does not factor in vehicle location which can lower or raise premium rates considerably.

Based on these figures, using a $100 deductible will cost you roughly $20 more each month or $240 a year than opting for the higher $500 deductible. Since you would pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you usually have at a minimum 20 months between claim filings, you would save money if you decide on a higher deductible.

Why You Might Pay Increased Rates in Kansas City

Part of the car insurance buying process is learning some of the things that come into play when calculating car insurance rates. If you have some idea of what controls the rates you pay, this enables you to make decisions that could result in cheaper rates.

• More performance means more cost – The performance of the car, truck or SUV you drive makes a significant difference in your premium level. The lowest rates are usually found on smaller low performance passenger cars, but other factors influence the final cost greatly.

  The following chart uses these assumptions: single female driver age 30, full coverage with $500 deductibles, and no discounts or violations. The data compares Chevrolet Suburban policy rates compared to other models of vehicles that have a range of performance rating factors.

• How old are your drivers? – Youthful drivers in Missouri are statistically proven to be easily distracted when behind the wheel so car insurance rates are higher. Mature drivers are proven to be safer behind the wheel, file fewer claims, and tend to be get fewer driving tickets.

  The data below uses these variables: single driver, full coverage with $1000 deductibles, and no discounts or violations.

• City traffic equals higher costs – Having an address in areas with lower population can be a good thing when trying to find low car insurance rates. Urban drivers regularly have more aggressive driving styles and longer commute times. Fewer drivers means a lower chance of having an accident in addition to fewer liability claims.

• Does insurance cost less for females? – Over the last 30 years, statistics show that females tend to be a little less risky than males. It does not mean females are better at driving than males. Both genders are in auto accidents in similar percentages, but men get into accidents with more damage. Men also get higher numbers of serious violations like DUI and reckless driving. Young men ages 16 to 20 are most likely to cause an accident so they pay the highest premiums.

  The chart below illustrates the difference between Chevy Suburban insurance premiums for male and female drivers. Data assumes a clean driving record, no at-fault accidents, comprehensive and collision coverage, $500 deductibles, drivers are not married, and no discounts are applied to the premium.

• Insurance loss statistics a Chevy Suburban – Companies use claims history as a way to help calculate a profitable premium rate. Models that statistically have a higher amount or frequency of claims will cost more for specific coverages.

  The next table illustrates the historical loss data for Chevy Suburban vehicles. For each insurance policy coverage type, the claim amount for all vehicles, regardless of manufacturer or model, is a value of 100. Numbers below 100 indicate a favorable loss history, while percentage numbers above 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

  BETTER

  AVERAGE

  WORSE

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

Three reasons to not skimp on car insurance

Even though it can be expensive, paying for car insurance may be required and benefits you in several ways.

• Almost all states have minimum mandated liability insurance limits which means you are required to carry a specific minimum amount of liability in order to drive the car legally. In Missouri these limits are 25/50/10 which means you must have $25,000 of bodily injury coverage per person, $50,000 of bodily injury coverage per accident, and $10,000 of property damage coverage.
• If you bought your Chevy Suburban with a loan, it’s most likely the lender will have a requirement that you have full coverage to guarantee their interest in the vehicle. If you do not pay your insurance premiums, the lender may insure your Chevy at an extremely high rate and require you to reimburse them the higher premium.
• Insurance protects both your assets and your Chevy Suburban. Insurance will pay for medical bills that are the result of an accident. Liability coverage, the one required by state law, also pays for attorney fees and expenses if you cause an accident and are sued. 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 insuring your Suburban definitely exceed the cost, especially when you need to use it. Unknowingly, the average driver overpays as much as $820 a year so it’s recommended you shop around each time the policy renews to ensure rates are competitive.