1999 Suzuki Grand Vitara Insurance Rates

Paying for pricey Suzuki Grand Vitara insurance can drain your monthly budget and force you to make tough financial choices. Doing a price comparison is free, only takes a few minutes, and is a good way to lower your monthly bill.

Many auto insurance companies compete for your hard-earned dollar, so it’s not easy to compare every insurance company and uncover the absolute lowest rate

If you have a policy now or need new coverage, you can follow these tips to cut your premiums and still get good coverage. Buying car insurance is quite easy. Consumers only need to know the tricks to compare price quotes on the web.

Auto insurance quotes comparison

Cutting your auto insurance rates is not a difficult process. The only requirement is to invest a little time comparing rate quotes to find the company with cheap car insurance quotes. This can be accomplished by following the guidelines below.

1. Without a doubt, the easiest way to find low rates is a comparison rater form click here to open form in new window. This method keeps you from doing separate quotation requests for every company. One simple form gets you coverage quotes from multiple low-cost companies.
2. A harder way to analyze rates is spending the time to visit the website of each company and request a quote. For example, let’s assume you are doing a rate comparison from Nationwide, Esurance and Allstate. You would need to go to every website and enter your policy data, which can get rather old. For a list of companies in your area, click here.
3. The hardest method of comparing rate quotes is to waste gas driving to each insurance agency near you. Quoting online has reduced the need for local agents unless you want the professional assistance of a local agency. However, consumers can comparison shop online but purchase the actual policy in an agency.

Whichever way you use, ensure you are comparing apples-to-apples coverage limits with every price quote. If you have unequal deductibles or liability limits then you won’t be able to make a fair rate comparison.

Verify you’re getting every discount

Some companies don’t always publicize the entire discount list very well, so here is a list both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy car insurance online. If you check and find you aren’t receiving every discount possible, you’re just leaving money on the table.

• Safety Course Discount – Participating in a safe driver class could save 5% or more if you qualify.
• Discounts for Government Workers – Federal government employees may reduce rates when you quote car insurance on Grand Vitara insurance with select insurance companies.
• Discount for Life Insurance – Not every insurance company offers life insurance, but if they do you may earn a discounted premium rate on car insurance if you buy auto and life insurance together.
• Anti-theft Discount – Vehicles that have factory alarm systems and tracking devices are stolen less frequently and that can save you a little bit as well.
• Telematics Data Discounts – Insureds who allow driving data submission to monitor driving patterns through the use of a telematics system such as In-Drive from State Farm or Allstate’s Drivewise system may see discounts if they have good driving habits.
• Pay Now and Pay Less – If you can afford to pay the entire bill instead of paying each month you can avoid monthly service charges.
• First Accident Forgiveness – This one is not really a discount per se, but companies like Liberty Mutual and Geico may permit one accident before raising your premiums if you have no claims prior to the accident.
• E-sign – A few larger companies will give a small break simply for signing digitally online.
• Accident-Free Discounts – Insureds with no claims or accidents are rewarded with significantly better rates on car insurance quote in comparison with accident-prone drivers.

Policy discounts save money, but some of the credits will not apply to the entire policy premium. A few only apply to specific coverage prices like comp or med pay. Just because you may think it’s possible to get free car insurance, auto insurance companies aren’t that generous. But any discount will positively reduce the cost of your policy.

Companies that may offer some of the discounts shown above possibly include:

• Geico
• MetLife
• State Farm
• Progressive
• Mercury Insurance
• 21st Century
• Allstate

If you need lower rates, check with each company or agent which discounts they offer. Some discounts may not apply to policyholders in your area.

When should I discuss my situation with an agent?

When buying coverage, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so your insurance should reflect that For instance, these questions might help in determining whether your personal situation could use an agent’s help.

• Should I put collision coverage on all my vehicles?
• Are my tools covered if they get stolen from my vehicle?
• Am I covered if I hit a deer?
• Am I covered when using my vehicle for business?
• Am I covered when renting a car or should I buy coverage from the car rental agency?
• Am I covered if I drive in a foreign country?
• Is my babysitter covered when using my vehicle?
• How do I insure my teen driver?
• Is my vehicle covered by my employer’s policy when using it for work?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you don’t have a local agent, simply complete this short form or click here for a list of insurance companies in your area. It is quick, free and may give you better protection.

Car insurance coverage breakdown

Understanding the coverages of car insurance helps when choosing the best coverages for your vehicles. Policy terminology can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverages found on most car insurance policies.

UM/UIM Coverage

This provides protection when other motorists either are underinsured or have no liability coverage at all. Covered losses include medical payments for you and your occupants and damage to your Suzuki Grand Vitara.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages is a good idea. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage reimburse you for short-term medical expenses for funeral costs, surgery, nursing services, hospital visits and rehabilitation expenses. The coverages can be used to cover expenses not covered by your health insurance program or if there is no health insurance coverage. It covers all vehicle occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage that is not covered by collision coverage. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as vandalism, a broken windshield, hitting a deer, theft and hitting a bird. The most a car insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverage protection

Collision insurance covers damage to your Grand Vitara resulting from a collision with another car or object. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as scraping a guard rail, hitting a parking meter and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from older vehicles. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Liability insurance

This protects you from damage that occurs to people or other property by causing an accident. It protects YOU from legal claims by others. It does not cover your injuries or vehicle damage.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see values of 100/300/100 which stand for a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have a combined limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability coverage protects against things such as emergency aid, attorney fees, medical services and funeral expenses. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

More choices the merrier

In this article, we covered a lot of techniques to reduce 1999 Suzuki Grand Vitara insurance prices online. The key concept to understand is the more price quotes you have, the higher your chance of finding low cost car insurance. You may be surprised to find that the most savings is with some of the smallest insurance companies. These companies may often insure only within specific states and give getter rates than their larger competitors like Geico and State Farm.

While you’re price shopping online, it’s not a good idea to buy lower coverage limits just to save a few bucks. There have been many situations where consumers will sacrifice uninsured motorist or liability limits and learned later that it was a big error on their part. Your strategy should be to find the BEST coverage at the best price, but do not sacrifice coverage to save money.

More tips and info about car insurance is available in the articles below:

• How do I File a Claim? (Insurance Information Insitute)
• State Car Insurance Guides (Geico)
• Red Light Cameras (State Farm)
• Older Drivers FAQ (iihs.org)
• Should I Buy a New or Used Car? (Allstate)