Really, the only way to get affordable Chevy Suburban insurance in El Paso is to do a yearly price comparison from different companies that sell auto insurance in Texas.
- Learn about how companies price auto insurance and the changes you can make to lower rates. Many policy risk factors that cause high rates like inattentive driving and a not-so-good credit rating can be eliminated by making minor changes to your lifestyle. Later in this article we will cover additional tips to get low prices and find missing discounts.
- Compare rates from independent agents, exclusive agents, and direct companies. Exclusive and direct companies can give quotes from one company like Progressive and State Farm, while independent agents can provide prices from many different companies.
- Compare the price quotes to your existing rates and see if you can save money. If you find a better price and switch companies, ensure there is no coverage lapse between policies.
- Provide notification to your current agent or company to cancel your current policy and submit a signed application and payment for the new policy. Don’t forget to store the proof of insurance certificate in an accessible location in your vehicle.
The most important part of shopping around is to try to use similar limits and deductibles on each quote request and to quote with as many different companies as possible. Doing this helps ensure an accurate price comparison and the best price quote selection.
It’s safe to assume that car insurance companies don’t want you to compare rates. Consumers who compare rates at least once a year are highly likely to buy a new policy because they have good chances of finding lower rate quotes. A recent study showed that consumers who made a habit of comparing rate quotes saved $850 each year as compared to drivers who never shopped around.
If finding the cheapest price for Chevy Suburban insurance in El Paso is why you’re reading this, then having an understanding of how to compare insurance premiums can make it easier for you to save money.
If you are already insured, you should be able to reduce premiums using the concepts covered in this article. This information will teach you the most effective way to quote insurance and also pocket some savings Nevertheless, Texas vehicle owners benefit from understanding how companies calculate their prices because it can help you find the best coverage.
How to compare Chevy Suburban insurance quotes in El Paso, TX
All the larger car insurance companies make it easy to get pricing from their websites. Getting Chevy Suburban insurance prices online is easy for anyone as you just enter your personal and coverage information as detailed in the form. When complete, the company’s rating system requests reports for credit and driving violations and generates a price based on these factors.
This makes it a lot easier to compare rates and it’s very important to compare as many rates as possible if you are searching for the lowest payment on car insurance.
In order to find out how much you’re overpaying now, visit the companies below or click here to submit a quote request to multiple companies at once. If you currently have coverage, we recommend you enter the coverages identical to your current policy. This makes sure you will be getting an apples-to-apples comparison based on the exact same insurance coverage.
The companies shown below provide quotes in El Paso, TX. If more than one company is shown, we suggest you get prices from several of them to get a more complete price comparison.
Protect your Chevy vehicle and other assets
Even though it’s not necessarily cheap to insure a Chevy in El Paso, insurance may be required and benefits you in several ways.
- The majority of states have minimum liability requirements which means state laws require a specific level of liability coverage in order to be legal. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
- If your Chevy Suburban has a lienholder, it’s guaranteed your bank will require you to carry insurance to guarantee their interest in the vehicle. If you let the policy lapse, the bank may buy a policy for your Chevy at a significantly higher premium and require you to reimburse them a much higher amount than you were paying before.
- Insurance safeguards your car and your assets. It will also cover medical expenses incurred in an accident. As part of your policy, liability insurance will also pay for a defense attorney in the event you are sued. If your Chevy gets damaged, comprehensive and collision coverage will pay to have it repaired.
The benefits of insuring your Suburban greatly outweigh the cost, particularly for liability claims. As of last year, the average driver in Texas overpays more than $865 each year so we recommend shopping around at every renewal to make sure the price is not too high.
Rates and information analytics
The rate information shown next highlights a range of insurance costs for Chevy Suburban models. Understanding how car insurance premiums are established is important for drivers to make decisions when shopping your coverage around.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Suburban LS 2WD | $318 | $560 | $496 | $30 | $148 | $1,552 | $129 |
| Suburban LT 2WD | $318 | $560 | $496 | $30 | $148 | $1,552 | $129 |
| Suburban LS 4WD | $318 | $560 | $496 | $30 | $148 | $1,552 | $129 |
| Suburban LT 4WD | $318 | $560 | $496 | $30 | $148 | $1,552 | $129 |
| Suburban LTZ 2WD | $318 | $660 | $496 | $30 | $148 | $1,652 | $138 |
| Suburban LTZ 4WD | $356 | $660 | $496 | $30 | $148 | $1,690 | $141 |
| Get Your Own Custom Quote Go | |||||||
Prices above based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, homeowner, and safe-driver. Table data does not factor in garaging location in El Paso which can decrease or increase premium rates noticeably.
Higher deductibles save money
When comparing insurance rates, the most common question is how high or low should comp and collision deductibles be. The comparison tables below can help show the rate differences between low and high insurance deductibles. The first set of rates uses a $100 deductible and the second pricing table uses a $500 deductible.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Suburban LS 2WD | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Suburban LT 2WD | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Suburban LS 4WD | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Suburban LT 4WD | $370 | $592 | $382 | $22 | $114 | $1,505 | $125 |
| Suburban LTZ 2WD | $370 | $698 | $382 | $22 | $114 | $1,611 | $134 |
| Suburban LTZ 4WD | $412 | $698 | $382 | $22 | $114 | $1,653 | $138 |
| Get Your Own Custom Quote Go | |||||||
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Suburban LS 2WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Suburban LT 2WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Suburban LS 4WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Suburban LT 4WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Suburban LTZ 2WD | $270 | $472 | $382 | $22 | $114 | $1,260 | $105 |
| Suburban LTZ 4WD | $300 | $472 | $382 | $22 | $114 | $1,290 | $108 |
| Get Your Own Custom Quote Go | |||||||
Prices based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price estimates do not factor in specific garaging location which can raise or lower coverage prices noticeably.
Based on the above data, using a $100 deductible costs an average of $27 more each month or $324 every year than selecting the higher $500 deductible. Because you would be required to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 15 months between claim filings, you would probably be better off by selecting a higher deductible.
Comparison of full coverage and liability-only policies
The illustration below shows the comparison of Chevy Suburban insurance premiums with liability coverage only compared to full coverage. The costs are based on no driving violations, no at-fault accidents, $1,000 deductibles, drivers are single, and no additional discounts are factored in.
When to switch to liability coverage only
There is no exact rule for phasing out physical damage coverage, but there is a general guideline you can use. If the yearly cost of comp and collision coverage is more than about 10% of the replacement cost minus the deductible, then it’s probably a good time to buy liability coverage only.
For example, let’s pretend your Chevy Suburban replacement value is $5,000 and you have $1,000 physical damage deductibles. If your vehicle is totaled in an accident, the most your company would pay you is $4,000 after the policy deductible has been paid. If you are paying in excess of $400 a year for your policy with full coverage, then you might consider buying liability only.
There are some conditions where only buying liability is not in your best interest. If you still have a loan on your vehicle, you are required to maintain full coverage in order to prevent the bank from purchasing higher-priced coverage. Also, if you can’t afford to buy a different vehicle if your current one is damaged, you should not eliminate full coverage.
Chevy Suburban insurance discounts in El Paso
Some companies do not advertise the entire discount list in an easy-to-find place, so the following is a list of both well-publicized as well as some of the hidden credits that you can use to lower your rates.
- Theft Prevention System – Cars equipped with anti-theft or alarm systems are stolen with less frequency and earn discounts up to 10% off your El Paso car insurance quote.
- Paperwork-free – A handful of insurance companies will discount your bill up to fifty bucks for completing your application on their website.
- Defensive Driving Course – Successfully completing a course teaching defensive driving skills could earn you a small percentage discount depending on where you live.
- Telematics Discount – People who choose to allow driving data collection to scrutinize when and where they use their vehicle through the use of a telematics system such as Progressive’s Snapshot and State Farm’s In-Drive could possibly reduce rates if they are good drivers.
- Resident Student – Youth drivers who are enrolled in higher education away from home without a vehicle on campus may be able to be covered for less.
We need to note that some credits don’t apply to the whole policy. Most cut individual premiums such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, insurance companies wouldn’t stay in business.
The diagram below shows the difference between Chevy Suburban insurance premiums with and without discounts applied to the policy premium. The data assumes a male driver, no claims or driving citations, Texas state minimum liability limits, full physical damage coverage, and $1,000 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with safe-driver, claim-free, multi-policy, marriage, homeowner, and multi-car discounts applied.
The best auto insurance companies and a partial list of their discounts include:
- American Family may include discounts for TimeAway discount, defensive driver, accident-free, mySafetyValet, multi-vehicle, bundled insurance, and air bags.
- Nationwide may offer discounts for anti-theft, good student, easy pay, multi-policy, defensive driving, and Farm Bureau membership.
- MetLife offers discounts including claim-free, good student, multi-policy, accident-free, defensive driver, good driver
- 21st Century has discounts for air bags, defensive driver, automatic seat belts, theft prevention, student driver, driver training, and 55 and older.
- Farmers Insurance discounts include early shopping, mature driver, distant student, business and professional, pay in full, good student, and bundle discounts.
- Allstate may have discounts that include utility vehicle, anti-theft, teenSMART discount, senior citizen, new car, and premier discount.
When comparing rates, check with each company or agent how many discounts you can get. Some discounts may not apply to policyholders everywhere.
Exclusive and independent auto insurance agents
A small number of people prefer to talk to an insurance agent and we recommend doing that The biggest benefit of getting online price quotes is you can get cheap car insurance rates and still choose a local agent. And providing support for neighborhood insurance agencies is especially important in El Paso.
After completing this short form, your information is submitted to insurance agents in El Paso who will give you bids for your insurance coverage. You never need to find an agent on your own since rate quotes are delivered immediately to your email address. You can most likely find cheaper rates and a licensed agent to work with. If you want to quote rates from a specific company, just navigate to their website and complete a quote there.
If you are searching for local El Paso agents, you need to know there are two different types of agencies that you can choose from. Car insurance agents are classified as either exclusive or independent.
Independent Car Insurance Agencies or Brokers
Agents that elect to be independent are normally appointed by many insurers so they can insure your vehicles through many different car insurance companies and potentially find a lower price. If premiums increase, they simply move your policy to a different company and you stay with the same agent.
If you are comparing rate quotes, you need to contact independent agents to get the best comparison. Many independent agencies also insure through companies that do not advertise much that can offer cheaper rates than bigger companies.
Shown below is a list of independent insurance agents in El Paso that may be able to provide price quotes.
- Pan American Insurance
7399 Alameda Ave – El Paso, TX 79915 – (915) 772-9000 – View Map - Flor and Associates Insurance Agency
1005 E Yandell Dr – El Paso, TX 79902 – (915) 996-9799 – View Map - Texas Auto Insurance Agency
1491 Lee Trevino Dr # G – El Paso, TX 79936 – (915) 594-4400 – View Map
Exclusive Car Insurance Agencies
Exclusive agencies normally can only provide a single company’s rates such as State Farm, AAA, Farmers Insurance or Allstate. They generally cannot shop your coverage around so always compare other rates. Exclusive agents are usually well trained on sales techniques which aids in selling service over price. A lot of people use the same agent mainly due to loyalty to the company and the convenience of having all coverages with one company.
The following are El Paso exclusive insurance agencies that can give you rate quotes.
- Allstate Insurance: Team Rudy Ledesma Insurance Agency
6801 N Mesa St b206 – El Paso, TX 79912 – (915) 581-7200 – View Map - Terry Jimenez – State Farm Insurance Agent
3500 N Mesa St g – El Paso, TX 79902 – (915) 532-1456 – View Map - Annette Gallardo Sanders – State Farm Insurance Agent
6351 S Desert Blvd #105 – El Paso, TX 79932 – (915) 877-9020 – View Map
Picking a insurance agency shouldn’t rely on just the price. A good agent in El Paso will have answers to these questions.
- How would your car be valued if totaled?
- Are they able to provide referrals?
- Does the agent have professional designations like CIC, CPCU or AIC?
- Does the company have a solid financial rating?
- Can glass repairs be made at your home?
- Will you be dealing directly with the agent or with a Custom Service Representative (CSR)?
Compare. Compare. Compare.
We just showed you many ideas to shop for Chevy Suburban insurance online. It’s most important to understand that the more rate quotes you have, the better your comparison will be. You may even find the lowest premium rates come from some of the smallest insurance companies.
People leave their current company for any number of reasons including delays in responding to claim requests, extreme rates for teen drivers, delays in paying claims and policy cancellation. Regardless of your reason for switching companies, finding a new auto insurance company can be less work than you think.
Lower-priced auto insurance in El Paso is definitely available from both online companies and from local agencies, and you need to price shop both to get a complete price analysis. Some insurance providers don’t offer the ability to get quotes online and these regional carriers work with independent insurance agencies.
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