How Much Does 1999 Suzuki Vitara Insurance Cost?

Tired of not being able to scrape enough together each month for insurance? Your situation is no different than the majority of other drivers. Insurance companies such as Progressive, GEICO and Farmers Insurance all promote huge savings with ad campaigns and it is challenging if not impossible to see through the cute green geckos and mayhem and find the best price available.

If you have a policy now or are just looking to switch companies, you can learn to cut your premiums while maximizing coverage. Finding affordable coverage is not that difficult. Drivers only need an understanding of the most effective way to compare price quotes online.

How to compare car insurance price quotes

Getting a low cost price on 1999 Suzuki Vitara insurance is an easy way to save money. Consumers just need to take the time to get quotes to discover which company has cheaper car insurance quotes. This can be accomplished in a couple of different ways.

  1. The simplest way to find the lowest comparison rates is an all-inclusive rate comparison (click to open form in new window). This easy form eliminates the need for separate quotes for each company. Completing one form gets prices estimates direct from many companies.
  2. A more difficult way to analyze rates is to take the time to go to the website for every company you want to comare and get a separate price quote. For instance, let’s assume you want to compare rates from GEICO, Safeco and Allstate. To get each rate you have to spend time going to each site individually and repeatedly type in your coverage information, and that explains why we recommend the first method.

    For a list of links to companies insuring cars in your area, click here.

  3. The least efficient way to get comparison rates is driving around to different agent offices. The ability to get quotes online makes this unnecessary unless you have a complicated situation and need the professional assistance of a local agent. It is possible with some companies price shop your coverage online and have a local agent actually service the policy.

How you compare quotes is your choice, just be sure to compare identical coverage data for every company. If you enter different values for each quote it will be impossible to truly determine the lowest rate.

Take advantage of these discounts

Insurance can cost an arm and a leg, but companies offer discounts that can help lower your rates. Many of these discounts will be applied automatically when you quote, but once in a while a discount must be asked for before being credited.

  • Own a Home and Save – Owning your own home or condo may trigger a policy discount on insurance because of the fact that having a home requires personal responsibility.
  • New Vehicle Savings – Adding a new car to your policy can cost up to 25% less because new vehicles have to meet stringent safety requirements.
  • No Accidents – Good drivers with no accidents can save substantially compared to drivers with a long claim history.
  • Driver Education Discount – Cut your cost by having your teen driver participate in a local driver’s education class as it can save substantially.
  • Fewer Miles Equal More Savings – Low mileage vehicles may enable drivers to earn cheaper prices.

Just know that most of the big mark downs will not be given to your bottom line cost. Some only apply to individual premiums such as collision or personal injury protection. Despite the fact that it seems like you could get a free insurance policy, insurance companies aren’t that generous.

Auto insurance companies who may offer these discounts are:

When comparing rates, check with each company which discounts they offer. Some discounts may not apply to policyholders in every state. To see insurers who offer discounts, click here to view.

Special considerations

When choosing the right insurance coverage for your personal vehicles, there isn’t really a “perfect” insurance plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions might point out whether you might need an agent’s assistance.

  • How do I file an SR-22 for a DUI in my state?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered when driving someone else’s vehicle?
  • Am I missing any policy discounts?
  • Do all my vehicles need collision coverage?
  • Where can I get insurance after a DUI in my state?
  • Does my policy pay for OEM or aftermarket parts?

If you’re not sure about those questions but you know they apply to you then you might want to talk to a licensed agent. If you want to speak to an agent in your area, complete this form or you can also visit this page to select a carrier It’s fast, free and may give you better protection.

Smart consumers know how to quote car insurance cheaper

Many factors are used in the calculation when premium rates are determined. Some of the criteria are obvious like your driving record, but others are less apparent such as your marital status and annual miles driven.

The itemized list below are some of the most rate-impacting factors used by companies to determine rates.

  • Fewer miles means better rates – The more you drive your Suzuki each year the more you’ll pay to insure it. Most companies apply a rate based on how the vehicle is used. Cars and trucks left parked in the garage qualify for better rates compared to those used for work or business. Having an incorrect usage rating on your Vitara may be costing you. It’s a smart idea to ensure your vehicle rating is showing the right rating data, because improper ratings can cost you money.
  • Getting married can save you money – Having a wife or husband may cut your premiums on your car insurance bill. Having a spouse means you’re more mature and insurance companies like that married drivers get in fewer accidents.
  • Frequent insurance claims increase premiums – Auto insurance companies give the best rates to drivers who are not frequent claim filers. If you are a frequent claim filer, you can pretty much guarantee higher premiums or even policy non-renewal. Auto insurance is intended to be relied upon for claims that pose a financial burden.
  • lapses raise car insurance rates – Letting your insurance expire is a quick way to increase your car insurance rates. Not only will rates go up, not being able to provide proof of insurance could earn you a revoked license or a big fine. You may need to submit proof of financial responsibility or a SR-22 with your state motor vehicle department to get your license reinstated.
  • Costs may be higher where you live – Being located in smaller towns and rural areas of the country can save you money if you are looking for the lowest rates. Drivers who live in large cities tend to have more aggressive driving styles and a longer drive to work. Fewer people means less chance of accidents and a lower car theft rate.
  • Incidental coverages may not be needed – There are many additional coverages that can add up if you don’t pay attention. Coverage for things like personal injury protection, accident forgiveness, and motor club memberships are examples of these. These may sound like a good investment initially, but your needs may have changed so eliminate the coverages to reduce your premium.

Parts of your insurance policy

Learning about specific coverages of a insurance policy aids in choosing the right coverages and proper limits and deductibles. The coverage terms in a policy can be difficult to understand and nobody wants to actually read their policy. Listed below are the normal coverages found on the average insurance policy.

Comprehensive (Other than Collision)

This covers damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers things such as falling objects, a broken windshield and damage from a tornado or hurricane. The maximum amount a insurance company will pay at claim time is the cash value of the vehicle, so if it’s not worth much more than your deductible consider dropping full coverage.

Protection from uninsured/underinsured drivers

This protects you and your vehicle when the “other guys” either have no liability insurance or not enough. Covered losses include injuries to you and your family as well as damage to your 1999 Suzuki Vitara.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked.

Medical expense insurance

Coverage for medical payments and/or PIP reimburse you for expenses for chiropractic care, funeral costs, ambulance fees, prosthetic devices and hospital visits. They are often used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not universally available and gives slightly broader coverage than med pay

Collision insurance

Collision coverage covers damage to your Vitara resulting from a collision with another vehicle or an object, but not an animal. A deductible applies and then insurance will cover the remainder.

Collision insurance covers things such as sideswiping another vehicle, hitting a mailbox, rolling your car, crashing into a ditch and damaging your car on a curb. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to save money on collision insurance.

Liability insurance

Liability coverage can cover damages or injuries you inflict on other people or property that is your fault. This insurance protects YOU from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a limit of $50,000 in injury protection per accident, and a total limit of $25,000 for damage to vehicles and property.

Liability coverage pays for claims such as legal defense fees, loss of income, court costs and medical services. How much liability should you purchase? That is a decision to put some thought into, but buy as much as you can afford.

Quote often and quote early

In this article, we presented a lot of ways to lower your 1999 Suzuki Vitara insurance premium rates. The key concept to understand is the more providers you compare, the higher your chance of finding cheap car insurance. You may even discover the lowest premium rates come from some of the lesser-known companies. Regional companies may have significantly lower prices on certain market segments compared to the large companies like Progressive and GEICO.

Some auto insurance companies do not provide online price quotes and these smaller providers only sell through independent insurance agencies. Cheaper 1999 Suzuki Vitara insurance is definitely available on the web in addition to local insurance agencies, and you should compare rates from both to have the best rate selection.

Much more information about auto insurance can be read below:

Comments About 1999 Suzuki Vitara Insurance

  1. Tom Holcomb

    Anyone know of any company in Lexington, KY that will insure high risk drivers?

  2. Enola Nash

    I found affordable 1999 Suzuki Vitara insurance from Progressive in Miami, FL.

  3. Virginia Savage

    From Fort Smith, Arkansas. Quoted prices online for a 1999 Suzuki Vitara. Ended up at about $90 savings annually. Went with Progressive. I have kids on my policy, too. I just quoted rates online.

  4. Earnestine Edwards

    I got quite a few price quotes for a 1999 Suzuki Vitara in Juneau, AK. Ended up at darn near $100 every six months with Amica. Good multi-policy discounts. Just liability coverage since it’s getting old.

  5. Arvilla Kirkland

    If you’re a decent driver and live near Tulsa, Oklahoma, check out Allstate. They seem to be cheaper.

  6. Karma Morgan

    Cheap car insurance? What’s that? Live in the western part of West Valley City, UT. I got free prices from Auto-Owners, Mercury, and a few others for my 1999 Suzuki Vitara and saved just over $90 a year. Online quotes are the way to go. Next renewal I’ll just do liability.

  7. Magen Newman

    Thought I’d throw in my experience. I’m just west of Chicago, IL. Can’t remember who all I quoted but I ended up saving about $20 each month. Got better coverage too.

  8. Rhea Perry

    I found pretty cheap rate quotes for a 1999 Suzuki Vitara in Columbia, SC. Ended up at darn near $70 every six months with Amica. Not sure about claim service. Just liability coverage since it’s getting old.

  9. Ceola Murphy

    Got a quote with Mercury for my Suzuki and cut my rates about $70 a year. Ask about discounts. It’s easy to compare rates online now.

  10. Zachariah Dalton

    I compared a lot of rate quotes for a 1999 Suzuki Vitara in Biloxi, MS. Ended up at roughly $90 every six months with American Family. Might find lower rates online.

  11. Deidra Francis

    Quoted with Nationwide for my Suzuki and saved around $110 a year. Left Travelers to switch. I think I’ll get rid of full coverage next time.

  12. Narcisa Nunez

    If you have a clean record and are close to Allentown, PA, check out 21st Century. They seem to be cheaper. I got prices on the web. I don’t insure for physical damage though.

  13. Vincenza Prince

    Cheaper not always better. From east side of Lexington, Kentucky. I got free prices from Amica, Sentry, and some smaller one I can’t remember the name of for my Suzuki and saved $101 a year. Thankfully I have a good driving record. God forbid I actually have a claim. My Suzuki doesn’t have full coverage.

  14. Marla Wallace

    All companies are crooks. Proud to be from Cincinnati, OH. Got quotes with Allstate, American Family, Farmers, and Hartford for my Vitara and I’m now saving $21 a month. I used their website to get prices.

  15. Kortney Campbell

    I compared a lot of rate quotes for a 1999 Suzuki Vitara in Augusta, GA. Ended up at roughly $90 every six months with Amica. Just waiting to see how claims go. Just liability coverage since it’s getting old.

  16. Johnna Fowler

    If you have a good history and live around Kansas City, KS, check out GEICO. They seem to be cheaper. Was with Farmers. :P I don’t insure for physical damage though.

  17. Shea Rios

    Mine is so expensive. I’m in Bridgeport, Connecticut. I quoted with AAA, Sentry, and some smaller one I can’t remember the name of for my Vitara and I’m now saving $13 a month. Was with Encompass. Thankfully I’m not a high risk driver. You can get a rate quote online. It’s too old for full coverage.