Cheapest Insurance for a Chevy Suburban in Fresno

Insurance quote for Chevy Suburban in FresnoThe easiest way to save money on Chevy Suburban insurance in Fresno is to start doing an annual price comparison from insurance carriers in California.

One thing to point out is to use identical coverage information on each price quote and and to look at every company you can. This guarantees a fair price comparison and many rates to choose from.

It’s shocking but 70% of consumers have purchased from the same company for over three years, and approximately 40% of consumers have never compared rate quotes at all. Fresno drivers can save $469 each year, but they mistakenly think it’s difficult to do a rate comparison.

If you’re already insured, you stand a good chance to be able to reduce the price you pay using the concepts you’re about to learn. Our goal is to help you learn how auto insurance companies operate and how to save the most money. But California car owners should learn the way companies determine premium rates because it can help you find the best coverage.

There are several ways to compare quotes from many different California insurance companies. The recommended way to find competitive insurance rates consists of shopping online.

When price shopping your coverage, comparing more prices increases the chance that you will find more affordable insurance.

The companies shown below provide free rate quotes in California. To locate the best cheap car insurance in Fresno, we suggest you get rate quotes from several of them to get a more complete price comparison.

Why do I need car insurance?

Even though it can be expensive, insuring your vehicle is not optional due to several reasons.

The benefits of buying enough insurance are without a doubt worth the cost, especially for larger claims. The average driver in California is wasting up to $750 every year so you should quote and compare rates every year to help ensure money is not being wasted.

Chevy Suburban insurance statistics and information

The price information displayed below showcases estimates of coverage prices for Chevy Suburban models. Having a better understanding of how insurance prices are established can be valuable when making smart choices when selecting a policy.

Chevrolet Suburban Insurance Rates in Fresno, CA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $204 $354 $500 $30 $150 $1,238 $103
Suburban LT 2WD $204 $354 $500 $30 $150 $1,238 $103
Suburban LS 4WD $204 $354 $500 $30 $150 $1,238 $103
Suburban LT 4WD $204 $354 $500 $30 $150 $1,238 $103
Suburban LTZ 2WD $204 $418 $500 $30 $150 $1,302 $109
Suburban LTZ 4WD $228 $418 $500 $30 $150 $1,326 $111
Get Your Own Custom Quote Go

Price data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, multi-vehicle, and homeowner. Premium amounts do not factor in vehicle garaging location which can change auto insurance rates considerably.

Deductible analysis

One of the more difficult decisions when buying car insurance is how high or low should comp and collision deductibles be. The rates below may help to illustrate the rate differences of buying low and high physical damage deductibles. The first rate quote example uses a $250 physical damage deductible and the second set of prices uses a $500 deductible.

Chevrolet Suburban insurance with $250 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $386 $576 $442 $26 $132 $1,587 $132
Suburban LT 2WD $386 $576 $442 $26 $132 $1,587 $132
Suburban LS 4WD $386 $576 $442 $26 $132 $1,587 $132
Suburban LT 4WD $386 $576 $442 $26 $132 $1,587 $132
Suburban LTZ 2WD $386 $678 $442 $26 $132 $1,689 $141
Suburban LTZ 4WD $430 $678 $442 $26 $132 $1,733 $144
Get Your Own Custom Quote Go

Chevrolet Suburban insurance with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $314 $464 $442 $26 $132 $1,378 $115
Suburban LT 2WD $314 $464 $442 $26 $132 $1,378 $115
Suburban LS 4WD $314 $464 $442 $26 $132 $1,378 $115
Suburban LT 4WD $314 $464 $442 $26 $132 $1,378 $115
Suburban LTZ 2WD $314 $546 $442 $26 $132 $1,460 $122
Suburban LTZ 4WD $348 $546 $442 $26 $132 $1,494 $125
Get Your Own Custom Quote Go

Table data assumes married male driver age 30, no speeding tickets, no at-fault accidents, and California minimum liability limits. Discounts applied include homeowner, safe-driver, claim-free, multi-vehicle, and multi-policy. Rate information does not factor in the specific area where the vehicle is garaged which can alter rates significantly.

Based on the figures above, using a $250 deductible will cost you about $18 more each month or $216 for a full year than buying the higher $500 deductible. Since you would pay $250 more out of your own pocket with a $500 deductible as compared to a $250 deductible, if you have at a minimum 14 months between claims, you would probably come out ahead if you opt for a higher deductible.

The example below illustrates how your choice of deductibles and can increase or decrease Chevy Suburban insurance costs for each age group. The price estimates are based on a single male driver, comp and collision included, and no additional discounts are factored in.

Car insurance rates by age and gender in Fresno

The illustration below shows the difference between Chevy Suburban insurance prices for male and female drivers. The premiums are based on no tickets, no at-fault accidents, full coverage, $1,000 deductibles, drivers are not married, and no discounts are taken into consideration.

Should you buy full coverage?

The illustration below shows the difference between Chevy Suburban yearly insurance costs with full coverage compared to only the California minimum liability coverage. The price estimates are based on no claims, a clean driving record, $500 deductibles, single marital status, and no discounts are applied.

When to drop comp and collision

There is no definitive formula of when to phase out physical damage coverage on your policy, but there is a guideline you can consider. If the yearly cost for physical damage coverage is more than 10% of replacement cost minus your deductible, then it’s probably a good time to buy liability coverage only.

For example, let’s assume your Chevy Suburban replacement value is $8,000 and you have $1,000 full coverage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $7,000 after paying your policy deductible. If you are currently paying more than $700 a year for comprehensive and collision coverage, then you might want to consider buying only liability coverage.

There are some circumstances where dropping full coverage is not a good idea. If you still owe a portion of the original loan, you have to keep full coverage in order to satisfy the requirements of the loan. Also, if your finances do not allow you to purchase a different vehicle if your current one is in an accident, you should not opt for liability only.

Discount Fresno car insurance rates

Companies that sell car insurance don’t always publicize all available discounts in a way that’s easy to find, so the list below gives a summary of a few of the more well known and the more hidden savings tricks you should be using when you buy Fresno auto insurance online.Car insurance discounts

Drivers should understand that most discounts do not apply the whole policy. Most only reduce individual premiums such as collision or personal injury protection. Despite the appearance that it’s possible to get free car insurance, car insurance companies aren’t that generous.

The diagram below illustrates the difference between Chevy Suburban car insurance costs with and without discounts applied. The data is based on a female driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with marriage, homeowner, safe-driver, multi-car, claim-free, and multi-policy discounts applied.

Large car insurance companies and some of the premium reductions they offer include:

Double check with each insurance company how many discounts you can get. Some discounts listed above may not apply in Fresno. To find insurers with significant discounts in Fresno, click here to view.

California auto insurance company ratings

Finding a high-quality company can be a challenge considering how many companies provide coverage in Fresno. The ranking information below may help you choose which auto insurance companies you want to consider comparing rates with.

Top 10 Fresno Car Insurance Companies Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide