View 2001 Suzuki Grand Vitara Insurance Quotes

Trying to find better insurance prices for your Suzuki Grand Vitara can turn out to be a painful process, but you can learn a few tricks to find lower rates.

There are more efficient ways to find insurance online and you need to know the quickest way to get price quotes for a new or used Suzuki and find the lowest price from both online companies and local agents.

It’s a great practice to compare prices at least once a year because insurance prices change frequently. If you had the best rates for Grand Vitara insurance at your last renewal you may be paying too much now. Ignore everything you know about insurance because you’re about to learn how to quote online to get good coverage at a lower rate.

If you have a policy now or are shopping for new coverage, you will benefit by learning to get lower rates while maximizing coverage. Pricing affordable insurance coverage is not that difficult. Drivers only need to know the most efficient way to buy insurance online.

You may qualify for discounts

Companies offering auto insurance don’t always advertise the entire discount list in an easy-to-find place, so below is a list both the well known as well as some of the hidden auto insurance savings.

• Multi-Vehicle Discounts – Buying a policy with all your vehicles on one policy can get a discount for every vehicle.
• Policy Bundle Discount – When you have multiple policies and place coverage with the same company you may save approximately 10% to 15%.
• Full Payment Discount – If you pay your bill all at once instead of paying each month you may reduce your total bill.
• New Vehicle Savings – Buying a new car instead of a used car is cheaper because newer models are generally safer.
• Driver Safety – Taking part in a course that instructs on driving safety could save 5% or more if you qualify.
• College Student Discount – Kids who attend college more than 100 miles from home without a vehicle on campus could qualify for this discount.

Discounts lower rates, but most of the big mark downs will not be given to your bottom line cost. Most only apply to individual premiums such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, that’s just not realistic.

Popular auto insurance companies and the discounts they provide can be read below.

• 21st Century discounts include defensive driver, driver training, automatic seat belts, 55 and older, anti-lock brakes, theft prevention, and homeowners.
• Progressive offers discounts for multi-vehicle, online signing, multi-policy, good student, and online quote discount.
• State Farm has discounts for Drive Safe & Save, multiple policy, accident-free, multiple autos, driver’s education, and passive restraint.
• Nationwide has savings for easy pay, good student, anti-theft, accident-free, and family plan.
• Esurance offers premium reductions for DriveSense, homeowner, anti-lock brakes, good student, claim free, paid-in-full, and anti-theft.
• The Hartford includes discounts for defensive driver, vehicle fuel type, good student, air bag, driver training, and anti-theft.

Check with each company or agent which credits you are entitled to. Discounts might not be offered in every state. To find providers offering auto insurance discounts, click this link.

There’s no such thing as the perfect car insurance policy

When it comes to buying adequate coverage for your personal vehicles, there really is not a perfect coverage plan. Each situation is unique.

For example, these questions could help you determine if your situation might need professional guidance.

• Am I covered if my car is in a flood?
• What is high-risk coverage and where do I buy it?
• Should I bundle my homeowners policy with my auto?
• Do I pay less if my vehicle is kept in my garage?
• When can I cancel my policy?
• Do I have any recourse if my insurance company denies a claim?

If it’s difficult to answer those questions but you think they might apply to your situation then you might want to talk to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form. It’s fast, free and you can get the answers you need.

Why you might not save $453 a year

Consumers get pounded daily by advertisements for cheaper insurance coverage by Allstate and Progressive. All the companies state the claim that drivers can save some big amount if you change your coverage.

That’s great but how can every company give you a lower rate? This is the trick they use.

Insurance coverage companies provide the lowest rates for the type of driver that will generate a profit. An example of a profitable customer might have to be married and over the age of 30, is a homeowner, and drives less than 10,000 miles a year. A customer getting a price quote that fits those parameters will get a cheap rate quote and therefore will save a lot if they switch.

Insureds who are not a match for these stringent criteria may be required to pay higher rates and the customer buying from someone else. The ads say “customers that switch” not “all people who quote” save that much. That is how insurance companies can make claims like that.

Each company has different criteria, so you should get price quotes at each policy renewal. It is impossible to predict which company will give you lower prices than your current company.

Insurance coverage basics

Having a good grasp of your insurance policy can be of help when determining the right coverages for your vehicles. Insurance terms can be impossible to understand and coverage can change by endorsement.

Medical payments and PIP coverage – Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for ambulance fees, EMT expenses and pain medications. The coverages can be used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and will also cover getting struck while a pedestrian. PIP is not universally available and may carry a deductible

Auto liability insurance – Liability insurance protects you from damage or injury you incur to people or other property in an accident. This coverage protects you from legal claims by others, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Alternatively, you may have a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability can pay for claims such as legal defense fees, court costs, loss of income, repair bills for other people’s vehicles and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase higher limits if possible.

Comprehensive auto coverage – This will pay to fix damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like hitting a bird, hail damage, damage from flooding, fire damage and vandalism. The maximum amount your insurance company will pay is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Collision coverage – This pays to fix your vehicle from damage caused by collision with another car or object. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage pays for claims such as scraping a guard rail, colliding with a tree, hitting a parking meter and crashing into a building. This coverage can be expensive, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to raise the deductible to save money on collision insurance.

UM/UIM (Uninsured/Underinsured Motorist) coverage – This coverage gives you protection when the “other guys” do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important. Most of the time your uninsured/underinsured motorist coverages do not exceed the liability coverage limits.

A penny earned…

We just presented a lot of techniques to save on 2001 Suzuki Grand Vitara insurance. The key concept to understand is the more rate comparisons you have, the better your chances of lowering your prices. Consumers may even find the lowest premium rates come from a company that doesn’t do a lot of advertising.

Some companies may not provide online rate quotes small, regional companies provide coverage only through independent agents. Budget-friendly car insurance is available from both online companies as well as from independent agents, so you should compare both to have the best chance of lowering rates.

Insureds change insurance companies for any number of reasons including not issuing a premium refund, poor customer service, lack of trust in their agent or high prices. It doesn’t matter what your reason, choosing a new insurance company can be less work than you think.

Additional car insurance information can be read below:

• Coverage Information (Progressive Insurance)
• What are my Rights when Filing a Claim? (Insurance Information Insitute)
• Distracted Driving Extends Beyond Texting (State Farm)
• Neck Injury FAQ (iihs.org)
• Senior Drivers (Insurance Information Insitute)