2001 Suzuki Vitara Insurance Rates

Nobody that owns a car is fond of buying car insurance, particularly when they could find better rates elsewhere. Due to the large number of companies to choose from, it can be diffult for drivers to find the cheapest insurer.

Lower rates by qualifying for discounts

The price of auto insurance can be rather high, but there’s a good chance there are discounts that could drop your premiums quite a bit. Some discounts will apply at quote time, but once in a while a discount must be asked about before you will receive the discount.

  • Good Student Discount – This discount may save as much as 25% on a car insurance quote. You can use this discount normally up until you turn 25.
  • Student Driver Training – Teen drivers should enroll and complete driver’s education if offered at their school.
  • Use Seat Belts – Using a seat belt and requiring all passengers to use their safety belts may be able to save a few bucks off the medical payments premium.
  • Multiple Vehicles – Drivers who insure multiple vehicles with one company can reduce the rates for all insured vehicles.
  • Low Miles Discount – Driving fewer miles may enable drivers to earn lower prices on the low mileage vehicles.
  • Anti-lock Brake Discount – Cars that have anti-lock braking systems are safer to drive so you can save 10 percent or more.
  • Waiver for an Accident – Not a discount per se, but companies like State Farm and Progressive permit an accident without the usual rate increase if you are claim-free for a certain period of time.
  • Include Life Insurance and Save – Larger companies have a small discount if you purchase some life insurance in addition to your auto policy.
  • Membership in Organizations – Participating in certain professional organizations is a good way to get lower rates on your next insurance coverage statement.
  • Early Payment Discounts – If you can afford to pay the entire bill as opposed to paying monthly you could save up to 5%.

One last thing about discounts, some of the credits will not apply to the overall cost of the policy. Most cut the cost of specific coverages such as collision or personal injury protection. Just because it seems like all the discounts add up to a free policy, company stockholders wouldn’t be very happy.

To see a list of insurers who offer discounts, click here to view.

How to buy insurance coverage online

Getting a cheaper price on 2001 Suzuki Vitara insurance doesn’t have to be difficult. The only thing you need to do is take a few minutes getting comparison quotes to find out which insurance company has the cheapest car insurance quotes. This is very easy and can be done in a couple of different ways.

  1. Hands down the most simple method to find low rates is an all-inclusive rate comparison click to view form in new window. This easy form saves time by eliminating separate quotation requests for each company you want a rate for. Just one form will return quotes from multiple low-cost companies.
  2. A slightly less efficient method to obtain and compare quotes online requires you to visit the website for each individual company to complete their respective quote request forms. For examples sake, we’ll pretend you want to compare rates from Allstate, GEICO and GMAC. To get rate quotes you would need to navigate to each company’s site to enter the same coverage data repeatedly, which can take a lot of time. To view a list of companies in your area, click here.
  3. The least efficient and most time consuming method to find lower rates is to spend time driving to local insurance agencies. Comparing rates online makes this process obsolete unless your situation requires the advice and guidance only provided by licensed agents. Although, it is possible compare online quotes and still use a local agent.

The method you choose is up to you, but try to keep the same quote data for each price quote. If you have different liability limits it will be next to impossible to decipher which rate is best.

How you can control Suzuki Vitara insurance costs

Lots of things are considered when quoting car insurance. Some are obvious like your driving record, although some other factors are less obvious such as your credit history and annual miles driven.

  • Tickets are costly – Whether or not you get tickets has a big impact on rates. Drivers who don’t get tickets have lower premiums than people who have multiple driving citations. Even one speeding ticket could increase your next policy renewal by as much as twenty percent. People who have license-revoking violations such as DWI, reckless driving or hit and run convictions may find that they have to to file a SR-22 with the DMV in their state in order to legally drive.
  • With age comes responsibility – Older people are shown to be more cautious, file fewer claims .Inexperience drivers are statistically proven to be easily distracted when behind the wheel therefore insurance coverage rates are much higher.
  • Lower rates with continuous insurance coverage coverage – Driving without insurance is against the law and you will pay a penalty because you let your insurance lapse for non-payment. And not only will insurance be more expensive, the inability to provide proof of insurance could result in fines or a revoked license.
  • Raise comp and collision deductibles and save – Physical damage protection, also known as collision and other-than-collision, covers damage that occurs to your Suzuki. A few examples of covered claims would be a broken windshield, hitting a deer, and damage from a fallen tree branch. The deductibles define the amount you are required to spend if you file a covered claim. The more you are required to pay out-of-pocket, the lower your rates will be for Vitara insurance.
  • Bad credit will cost you – Having a good credit rating factor in calculating your premium rate. Insureds with high credit scores tend to be less risk to insure as compared to drivers with poor credit scores. So if your credit rating can use some improvement, you could pay less to insure your 2001 Suzuki Vitara if you improve your credit rating.

Insurance is unique, just like you

When buying the best insurance coverage, there really is no single plan that fits everyone. Your needs are not the same as everyone else’s and your policy should reflect that. For instance, these questions might help in determining whether you may require specific advice.

  • Why am I required to buy high-risk coverage?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Does my 2001 Suzuki Vitara need full coverage?
  • Can my teen driver be rated on a liability-only vehicle?
  • When can my company non-renew my policy?
  • Is other people’s property covered if stolen from my vehicle?
  • Am I covered when renting a car or should I buy coverage from the car rental agency?

If you can’t answer these questions then you might want to talk to a licensed insurance agent. To find an agent in your area, complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Auto insurance coverages

Understanding the coverages of a insurance policy can help you determine the best coverages for your vehicles. Insurance terms can be confusing and even agents have difficulty translating policy wording. Listed below are typical coverages available from insurance companies.

Uninsured and underinsured coverage

This coverage gives you protection from other drivers when they either have no liability insurance or not enough. This coverage pays for hospital bills for your injuries as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently these limits are similar to your liability insurance amounts.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage reimburse you for expenses for things like prosthetic devices, dental work, EMT expenses, hospital visits and chiropractic care. They are used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Comprehensive coverages

Comprehensive insurance pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for claims such as a broken windshield, damage from getting keyed, hail damage and damage from a tornado or hurricane. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle’s value is low it’s not worth carrying full coverage.

Coverage for liability

This coverage will cover damages or injuries you inflict on people or other property. It protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

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 might see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and $50,000 of coverage for damaged propery. Occasionally you may see one limit called combined single limit (CSL) that pays claims from the same limit without having the split limit caps.

Liability can pay for claims like repair bills for other people’s vehicles, structural damage and medical services. How much coverage you buy is up to you, but consider buying as much as you can afford.

Collision coverage protection

Collision insurance pays to fix your vehicle from damage resulting from colliding with another vehicle or an object, but not an animal. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for things such as crashing into a building, sustaining damage from a pot hole, driving through your garage door and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. It’s also possible to choose a higher deductible in order to get cheaper collision rates.

Quote more. Save more.

We covered some good ideas how you can lower your 2001 Suzuki Vitara insurance car insurance rates. The key concept to understand is the more you quote car insurance, the better your comparison will be. You may be surprised to find that the lowest car insurance rates come from a lesser-known regional company. Regional companies often have lower premium rates on specific markets compared to the large companies like State Farm or Progressive.

As you shop your coverage around, don’t be tempted to reduce needed coverages to save money. There are too many instances where someone sacrificed full coverage and learned later that it was a big mistake. Your aim should be to purchase plenty of coverage at the best price but still have enough coverage for asset protection.

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Comments About 2001 Suzuki Vitara Insurance

  1. Caleb Fry

    Thought I’d throw in my experience. Quoted with Hanover for my 2001 Suzuki Vitara and am saving around $60 a year. Have a couple speeding tickets too.

  2. Roscoe Nielsen

    Proud to be from Rapid City, SD. Quoted with 21st Century, Auto-Owners, and some I forget for my Suzuki and I think I cut my rates about $20 each month. Was with MetLife.

  3. Roselia Salazar

    Here’s my info. I’m from Green Bay, WI. I compared lots of rates. Saved about $30 a month. State Farm was the most affordable for me. Insured with GMAC before. I just carry liability insurance.

  4. Ardelle Cantu

    I live just outside Philadelphia, PA. Got free quotes online for a 2001 Suzuki Vitara. Ended up at about $80 savings annually. Went with Progressive. Was with Sentry.

  5. Erwin Kent

    I compared a lot of rate quotes for a 2001 Suzuki Vitara in Bismarck, ND. Ended up at darn near $70 every six months with Auto-Owners. Get lots of quotes to find the best rate. I think I’ll get rid of full coverage next time.

  6. Mittie Higgins

    Hope my car insurance gets cheaper. Checking in from Los Angeles, CA. Compared rates from a lot of places. Saved roughly $20 a month. 21st Century was the most affordable for me. Insured with Mercury before. I have kids on my policy, too. It’s too old for full coverage.

  7. Lona Morin

    Good detail in your article. Quoted with Safeco for my 2001 Suzuki Vitara and am saving around $80 a year. Left Hartford to switch. I think they have home insurance too. Get lots of quotes to find the best rate.

  8. Tari Pitts

    Any claims experience with Progressive in Nampa, Idaho?

  9. Bill Shaffer

    Will 21st Century be cheaper if I raise deductibles?