If 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.
|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|
|Get Your Own Custom Quote Go|
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.
- Seat Belts Save more than Lives - Using a seat belt and requiring all passengers to fasten their seat belts can save 10% or more on the premium charged for medical payments and/or PIP.
- Defensive Driving Course - Taking a course that instructs on driving safety could possibly earn you a 5% discount depending on where you live.
- Air Bag Discount - Vehicles equipped with air bags can qualify for discounts of 25 to 30%.
- Low Mileage Discounts - Low annual miles could be rewarded with cheaper rates.
- Policy Bundle Discount - If you can combine your auto and homeowners policy with the same company they may give you a discount of up to 20% off your total Suburban insurance premium.
- Good Students Pay Less - Being a good student may save you up to 25%. This discount can apply until age 25.
- Discounts for Multiple Vehicles - Buying coverage for all your vehicles on one policy can get a discount on all vehicles.
- No Claim Discounts - Drivers with accident-free driving histories pay much less in comparison to drivers who are more careless.
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.
Once 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.
- If independent agents, which companies do they recommend?
- How would your car be valued if totalled?
- Are they able to provide referrals?
- Are claims handled at the agent's location?
- Will you get a loaner vehicle if you car is being repaired?
- What are the financial ratings for the companies they represent?
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).
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.
- Lacey Mitchell - State Farm Insurance Agent
326 N Euclid Ave #2n - St. Louis, MO 63108 - (314) 899-0633 - View Map
- Judy McNamara - State Farm Insurance Agent
3304 Watson Rd - St. Louis, MO 63139 - (314) 781-2290 - View Map
- Elveeta Macon - State Farm Insurance Agent
2225 Kratky Rd - St. Louis, MO 63114 - (314) 429-5433 - View Map
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.
- Equity One Insurance Agency LLC dba GlobalGreen Insurance
4568 Meramec Bottom Rd #2 - St. Louis, MO 63128 - (314) 845-3993 - View Map
- Goetz Insurance Agency
4586 Telegraph Rd - St. Louis, MO 63129 - (314) 720-1702 - View Map
- Naeger Insurance
3611 Juniata St - St. Louis, MO 63116 - (314) 802-8841 - View Map
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. Here are some questions about coverages that could help you determine whether or not you might need an agent's assistance.
- Does my Chevy Suburban qualify for pleasure use?
- Should I buy additional glass protection?
- Does my car insurance cover rental cars?
- When do I need to add a new car to my policy?
- Am I covered when driving someone else's vehicle?
- How much liability insurance is required?
- If my Chevy Suburban is totaled, can I afford another vehicle?
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 majority of states have minimum mandated liability insurance limits which means you are required to carry a minimum amount of liability insurance coverage in order to drive the car. 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 your Chevy has a loan, most banks will make it a condition of the loan that you have comprehensive coverage to ensure loan repayment if the vehicle is totalled. If coverage lapses or is canceled, the lender will be forced to insure your Chevy for a lot more money and require you to pay for it.
- Insurance preserves both your car and your personal assets. It also can pay for medical expenses for you, your passengers, and anyone else injured in an accident. Liability insurance, one of your policy coverages, also pays for attorney fees and expenses if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, your insurance policy will cover the damage repairs after a deductible is paid.
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.
- Senior Drivers (Insurance Information Institute)
- Who Has Affordable Missouri Auto Insurance for Retired Military? (FAQ)
- Who Has Cheap Missouri Car Insurance Quotes for Used Cars? (FAQ)
- Who Has Cheap Missouri Auto Insurance for Low Credit Scores? (FAQ)
- How Much is Missouri Car Insurance for Good Drivers? (FAQ)
- How Much are Auto Insurance Rates for Low Income Drivers in Missouri? (FAQ)
- Who Has the Cheapest Auto Insurance Quotes for 4x4 Vehicles in Missouri? (FAQ)
- Top Signs Your Brakes are Giving Out (State Farm)
- Side Impact Crash Tests (iihs.org)