Cheaper 2002 Suzuki Grand Vitara Car Insurance Rates

Want better insurance coverage rates for your Suzuki Grand Vitara? Trying to come up with a payment for pricey insurance coverage can consume your monthly budget and force you to make sacrifices. Performing a rate comparison is recommended to ensure you are getting the best deal.

Due to the abundance of choices of insurance companies, it can be diffult for drivers to pick the most cost effective insurer.

How your Grand Vitara insurance costs are determined

Multiple criteria are taken into consideration when premium rates are determined. Most are fairly basic like your driving record, although others are not as apparent such as your credit history or your commute time.When buying insurance coverage it’s important to understand the rating factors that come into play when calculating the level of your policy premiums. If you understand what determines premiums, this helps enable you to make changes that could result in big savings.

• High credit score translates to low prices – Having a good credit history is a large factor in determining what you pay for insurance coverage. So if your credit rating is not that good, you may save money insuring your 2002 Suzuki Grand Vitara by spending a little time repairing your credit. Drivers with high credit scores tend to be less risk to insure than drivers with lower credit scores.
• If you don’t need it don’t buy it – Insurance policies have a lot of extra bells and whistles that you can buy on your 2002 Grand Vitara policy. Add-on coverages like coverage for rental cars, death and dismemberment, and extra life insurance coverage may be wasting your money. They may seem good when deciding what coverages you need, but if you’ve never needed them in the past remove them and pocket the money.
• Your location is a factor – Being located in small towns and rural areas is a positive aspect when shopping for auto insurance. Fewer people means a lower chance of having an accident and a lower car theft rate. Urban drivers have more traffic problems and more severe claims. More time behind the wheel means more chance of being in an accident.
• Commute or pleasure use – The more you drive your Suzuki each year the more you’ll pay to insure your vehicle. A lot of companies price each vehicle’s coverage determined by how the vehicle is used. Cars and trucks that do not get driven very much cost less to insure than vehicles that are driven to work every day. It’s a smart idea to ensure your insurance coverage policy properly reflects annual mileage. An incorrectly rated Grand Vitara can cost quite a bit.
• Safer vehicles cost less to insure – Vehicles that have high safety ratings get lower rates. The safest vehicles reduce occupant injuries and reduced instances of injuries means lower claim amounts and more competitive rates for policyholders.
• High deductibles lower premiums – The deductibles represent how much money you are required to pay if a claim is determined to be covered. Physical damage insurance, aka comp and collision, protects your car from damage. Some examples of covered claims would be a windshield broken by a bird, vandalism, and damage from wind. The more money you’re willing to pay, the lower your rates will be on Grand Vitara coverage.
• Avoid tickets and save – A bad driving record impacts premiums far more than you think. Having just one moving violation can increase rates to the point where it’s not affordable. Drivers with clean records have lower premiums than their less careful counterparts. People who have dangerous violations like hit and run, DWI or reckless driving convictions may find that they have to to file a proof of financial responsibility form (SR-22) with their state’s licensing department in order to continue driving.
• Premiums for guys may be higher – Over the last 50 years, statistics have shown that females take fewer risks when driving. However, this does not mean men are WORSE drivers than women. Women and men get in auto accidents at about the same rate, but men get into accidents with more damage. Not only are claims higher, but men get higher numbers of serious violations like DUI and reckless driving.

Drivers can save with these money-saving discounts

Auto insurance companies don’t list all available discounts very clearly, so we break down a few of the more well known and the more hidden credits available to you.

• Home Ownership Discount – Being a homeowner may earn you a small savings because of the fact that having a home is proof of financial responsibility.
• Payment Discounts – If you pay your bill all at once as opposed to paying monthly you can avoid monthly service charges.
• Discounts for New Vehicles – Buying a new car model can be considerably cheaper since new model year vehicles have better safety ratings.
• Discounts for Good Drivers – Insureds without accidents could pay up to 40% less on Grand Vitara coverage than drivers with accidents.
• Telematics Discount – Insureds that choose to allow their car insurance company to scrutinize where and when they drive through the use of a telematics system such as State Farm’s In-Drive could see a rate decrease as long as they are good drivers.
• Passenger Safety Discount – Vehicles equipped with air bags may get savings as much as 30%.
• Life Insurance – Not all car insurance companies offer life insurance, but some may give you a discount if you purchase a life insurance policy as well.
• Seat Belts Save – Forcing all vehicle occupants to use a seat belt can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
• No Claims – Good drivers with no accidents pay less when compared to frequent claim filers.
• Government Employees – Active or former government employment can save as much as 8% on Grand Vitara coverage with certain companies.

A little disclaimer on discounts, some credits don’t apply the the whole policy. Most only apply to specific coverage prices like liability and collision coverage. If you do the math and it seems like adding up those discounts means a free policy, companies don’t profit that way.

If you would like to choose from a list of car insurance companies that can offer you the previously mentioned discounts, click this link.

Do I need special coverages?

When buying coverage, there isn’t really a single plan that fits everyone. Every situation is different and your policy should reflect that. Here are some questions about coverages that can aid in determining whether you might need professional guidance.

• When do I need to add a new car to my policy?
• Should I waive the damage coverage when renting a car?
• When can my company non-renew my policy?
• Am I insured when driving a different vehicle?
• Am I missing any policy discounts?
• Is my 2002 Suzuki Grand Vitara covered for flood damage?
• Do I have any recourse if my insurance company denies a claim?
• Can I afford low physical damage deductibles?

If you don’t know the answers to these questions but one or more may apply to you, then you may want to think about talking to an insurance agent. If you don’t have a local agent, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverages

Learning about specific coverages of your policy can be of help when determining the best coverages for your vehicles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are typical coverages offered by car insurance companies.

Collision – This coverage will pay to fix damage to your Grand Vitara resulting from colliding with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like rolling your car, driving through your garage door and damaging your car on a curb. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. You can also bump up the deductible to bring the cost down.

Medical payments coverage and PIP – Med pay and PIP coverage kick in for short-term medical expenses for things like ambulance fees, hospital visits and chiropractic care. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP coverage is not available in all states but can be used in place of medical payments coverage

Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection when other motorists either have no liability insurance or not enough. This coverage pays for injuries to you and your family and damage to your Suzuki Grand Vitara.

Since a lot of drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. So UM/UIM coverage is important protection for you and your family.

Liability coverage – Liability insurance will cover injuries or damage you cause to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and a limit of $25,000 paid for damaged property.

Liability coverage protects against things such as medical expenses, bail bonds, court costs, loss of income and legal defense fees. How much liability coverage do you need? That is up to you, but consider buying as much as you can afford.

Comprehensive coverage – Comprehensive insurance coverage covers damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for claims such as damage from getting keyed, hitting a bird, a broken windshield and damage from a tornado or hurricane. The most your car insurance company will pay is the cash value of the vehicle, so if the vehicle’s value is low consider removing comprehensive coverage.

Save for a rainy day

A few companies may not provide rate quotes online and these regional carriers provide coverage only through independent agencies. Cheaper 2002 Suzuki Grand Vitara insurance can be found from both online companies as well as from insurance agents, and you should compare price quotes from both to have the best selection.

When getting auto insurance quotes online, never buy lower coverage limits just to save a few bucks. There are a lot of situations where someone sacrificed comprehensive coverage or liability limits only to find out that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage for the lowest cost, but don’t skip important coverages to save money.

In this article, we covered quite a bit of information on how to reduce 2002 Suzuki Grand Vitara insurance prices online. The most important thing to understand is the more price quotes you have, the better chance you’ll have of finding cheaper auto insurance. You may even discover the most savings is with an unexpected company. These smaller insurers often have lower rates on specific markets as compared to the big name companies such as Progressive or Geico.

More detailed car insurance information can be found at these sites:

• Understanding Rental Car Insurance (Insurance Information Insitute)
• Information for Teen Drivers (Geico)
• Coverage Information (Progressive Insurance)
• Side Impact Crash Tests (iihs.org)
• Safety Tips for Teen Drivers (Insurance Information Insitute)