Discount Chevy Suburban insuranceIf you are a novice to online insurance shopping, you can easily be baffled due to the large number local agents and online companies competing for your business.

Unimaginable but true, nearly 70% of drivers have remained with the same insurance company for more than four years, and roughly 40% of drivers have never compared insurance rates at all. Many consumers in Missouri could cut their rates by nearly 25% a year by just comparing quotes, but they don't understand how simple it is to compare rates.

It's smart to do rate comparisons as often as possible because prices are adjusted regularly by insurance companies. Despite the fact that you may have had the lowest price on Chevy Suburban insurance in St. Louis last year there may be better deals available now. There is a lot of bad information regarding Suburban insurance out there, but in a few minutes you can learn some great ways to slash your insurance rates in St. Louis.

When comparison shopping, quoting more increases your odds of finding more affordable insurance.

The following companies provide price quotes in Missouri. If several companies are displayed, it's a good idea that you compare several of them to find the cheapest car insurance rates.

Chevrolet Suburban Insurance Rates in St. Louis, MO
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Suburban LS 2WD $162 $274 $280 $16 $84 $816 $68
Suburban LT 2WD $288 $510 $360 $22 $108 $1,288 $107
Suburban LS 4WD $200 $340 $280 $16 $84 $920 $77
Suburban LT 4WD $188 $280 $266 $16 $80 $830 $69
Suburban LTZ 2WD $200 $404 $250 $14 $74 $942 $79
Suburban LTZ 4WD $222 $420 $302 $18 $90 $1,052 $88
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Cost estimates assume single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Missouri minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, homeowner, and multi-policy. Estimates do not factor in specific St. Louis garaging location which can change price quotes greatly.

Tickets and at-fault accidents raise rates

The information below demonstrates how speeding tickets and at-fault collisions can influence Chevrolet Suburban auto insurance costs for different ages of insureds. The data is based on a single female driver, comp and collision included, $250 deductibles, and no policy discounts are applied.

Insurance premiums for males and females

The chart below compares Chevrolet Suburban annual premium costs for male and female drivers. The information is based on no tickets, no at-fault accidents, comp and collision included, $500 deductibles, drivers are single, and no discounts are factored in.

An analysis of deductible level

The example below demonstrates how deductibles and can change Chevrolet Suburban insurance premiums for each different age group. The data is based on a married male driver, full physical damage coverage, and no other discounts are factored in.

Get cheaper rates with discounts

The price of auto insurance can be rather high, but you may qualify for discounts that can help lower your rates. Certain credits will be shown when you complete an application, but occasionally some discounts must be manually applied before you will receive the discount.Save money with discounts

A quick disclaimer, some credits don't apply to all coverage premiums. Most only cut specific coverage prices like comp or med pay. So even though you would think all those discounts means the company will pay you, companies wouldn't make money that way.

If you would like to choose from a list of insurers with the best discounts in St. Louis, click here.

Comparing rates from local St. Louis car insurance agents

Many people prefer to get professional advice from a licensed agent and that can be a great decision A good thing about price shopping on the web is the fact that drivers can get cheap car insurance rates and still choose a local agent.

Insurance agents in St. LouisOnce you complete this short form, your coverage information is sent to local insurance agents who will give you bids to get your business. You never need to drive around because quoted prices will be sent to you directly. You'll get the best rates without having to waste a lot of time. If you have a need to get a price quote from a specific company, feel free to navigate to their website and submit a quote form there.

Finding the right insurance company needs to be determined by more than just the bottom line cost. Before buying a policy in St. Louis, get answers to these questions.

Two types of St. Louis auto insurance agents

When searching for a good insurance agency, you need to know there are two different agency structures and how they are slightly different. Car insurance agents may be either exclusive or independent (non-exclusive).

Exclusive Agents

Agents that choose to be exclusive can only place business with one company such as AAA, State Farm, Farmers Insurance, and Allstate. Exclusive agencies are unable to compare other company's rates so if the price isn't competitive there isn't much they can do. Exclusive agents are well trained on the products they sell which helps them sell insurance even at higher premiums. Consumers frequently buy insurance from these agents mostly because of the brand name rather than having low rates.

Listed below is a list of exclusive agents in St. Louis that are able to give price quotes.

More St. Louis agents

Independent Car Insurance Agencies

These type of agents are not restricted to one company and that allows them to write policies with many different companies and get you the best rates possible. If you are not satisfied with one company, your agent can just switch to a different company and you stay with the same agent.

When comparing rates, you definitely need to include price quotes from several independent insurance agents to maximize your price options. A lot of them also have access to additional companies that you may not be familiar with which may provide better rates.

The following are St. Louis independent agents willing to provide rate quotes.

More St. Louis agents

It's not one size fits all

When quoting and choosing a policy, there really is not a "best" method to buy coverage. Your needs are not the same as everyone else's so your insurance needs to address that.Auto insurance savings Here are some questions about coverages that could help you determine whether or not you might need an agent's assistance.

If you can't answer these questions but you know they apply to you, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, complete this form or go to this page to view a list of companies.

Learn How to Quote Auto Insurance More Affordably

An important part of buying insurance is that you know the factors that help determine your auto insurance rates. If you know what positively or negatively impacts your premiums, this enables informed choices that may reward you with lower rates.

Listed below are some of the most rate-impacting factors that factor into your premiums.

Performance influences insurance rates - The type of car you need insurance for makes a substantial difference in your car insurance bill. The cheapest rates will generally be found on lower cost passenger vehicles, but the cost you end up paying is determined by many additional factors. Due to the fact that the Chevrolet Suburban is considered a standard SUV, insurance will be slightly more as compared to the average rate in St. Louis.

Are you male or female? - Over the last 30 years, statistics show that females tend to be a little less risky than males. The data does not necessarily mean that females are better drivers. Men and women cause fender benders in similar percentages, but the men tend to have higher claims. They also have more aggressive citations like DWI (DUI) or reckless driving.

Auto insurance rates and your job - Do you have a high-stress occupation? Careers such as military personnel, police officers, and emergency personnel generally have higher rates than average due to intense work requirements and lengthy work days. Other occupations such as farmers, students and performers have lower than average premiums.

A policy lapse can increase rates - Not having insurance is a big no-no and auto insurance companies will penalize you for letting your coverage lapse. In addition to paying higher rates, the inability to provide proof of insurance could earn you fines or a revoked license. You may have to file a SR-22 with the Missouri department of motor vehicles.

Do you know you're credit score? - Having a good credit score is likely to be a major factor in determining premium rates. Drivers with very high credit ratings tend to be more responsible than drivers who have bad credit. So if your credit rating is not that good, you could save money insuring your Chevrolet Suburban if you clean up your credit.

Chevy Suburban insurance loss data - Companies analyze past claim statistics when they calculate premium rates for each model. Vehicles that are shown to have increased claim numbers or amounts will have higher premium rates.

The table shown below demonstrates the historical loss data for Chevy Suburban vehicles. For each coverage type, the loss probability for all vehicles, as a total average, is a value of 100. Percentage values below 100 imply a favorable loss record, while values that are 100 or greater show a trend for more claims or a tendency for claims to be larger.

Insurance Loss Ratings for Chevrolet Suburban Vehicles

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

Choosing Chevy vehicle insurance is an important decision

Despite the high insurance cost for a Chevy Suburban in St. Louis, insurance may be required and benefits you in several ways.

The benefits of having insurance more than cancel out the cost, especially if you ever need it. According to a 2015 survey, the average American driver is wasting up to $700 annually so shop around at every policy renewal to save money.

Do the work, save more money

We've covered a lot of ways to lower your Chevy Suburban insurance rates in St. Louis. The key thing to remember is the more times you quote, the better likelihood of getting the cheapest Chevrolet Suburban rate quotes. Drivers may even discover the biggest savings come from the least-expected company. Some small companies may only write in your state and offer lower auto insurance rates than their larger competitors like Allstate and Progressive.

More affordable car insurance in St. Louis is available both online and also from your neighborhood St. Louis agents, so you should be comparing quotes from both to have the best rate selection. There are still a few companies who do not offer the ability to get a quote online and these small, regional companies provide coverage only through independent insurance agencies.

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