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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Tari Pitts
Any claims experience with Progressive in Nampa, Idaho?
Bill Shaffer
Will 21st Century be cheaper if I raise deductibles?