2002 Suzuki Vitara Insurance Quotes

If shopping for car insurance quotes online is new to you, you can be confused due to the large number of insurers competing for business.

It’s important to compare premium rates before your next renewal since insurance rates fluctuate regularly. Just because you found the best deal on Vitara insurance last year you can probably find a better price now. Block out anything you think you know about insurance because I’m going to teach you the only way to find lower rates on insurance.

Insurance Coverage Discounts

Car insurance companies do not list the entire discount list very well, so we break down both well-publicized and also the lesser-known insurance coverage savings.

• Lower Rates for Military – Being deployed with a military unit may qualify for rate reductions.
• Driver Safety – Completing a safe driver course is a good idea and can lower rates and easily pay for the cost of the class.
• Student Driver Training – Require your teen driver to successfully complete driver’s ed class if offered at their school.
• New Car Discount – Buying a new car instead of a used car may earn a small discount since new model year vehicles are generally safer.
• Air Bags and Passive Restraints – Vehicles equipped with air bags or motorized seat belts may get savings up to 30%.
• Good Students Pay Less – Getting good grades can earn a discount of 20% or more. Many companies even apply the discount to college students until age 25.
• No Claims – Claim-free drivers get the best insurance coverage rates compared to drivers who are more careless.

You should keep in mind that most of the big mark downs will not be given to the entire policy premium. Most cut the cost of specific coverages such as liability, collision or medical payments. So when the math indicates you would end up receiving a 100% discount, insurance companies wouldn’t stay in business. Any amount of discount should definitely cut the amount you have to pay.

For a list of companies that have a full spectrum of discounts, click here.

Shop auto insurance online

To get low cost car insurance quotes, there a variety of ways to get quotes from local auto insurance companies. The best method to find competitive 2002 Suzuki Vitara insurance rates is to jump online and get quotes. This is quite simple and can be completed in just a few minutes using one of these methods.

The best way to find the lowest comparison rates would be an industry-wide quote request form click to view form in new window. This form saves time by eliminating a different quote for each price estimate. Just one form gets prices estimates direct from many companies. Just one form and you’re done.

Another way to get comparison quotes requires you to visit the website of each company and request a quote. For example, let’s say you want to compare Liberty Mutual, Progressive and Farmers. You would be required to spend time on each company’s site and repeatedly enter your information, which is why first method is reommended.

For a handy list of car insurance company links in your area, click here.

How you compare quotes is your choice, just make sure you use nearly identical coverage limits for each price quote. If each company quotes higher or lower deductibles it will be next to impossible to determine the best price for your Suzuki Vitara. Just a small difference in coverages could throw off the whole comparison. And when comparison shopping, getting more free quotes helps locate better pricing.

Tailor your car insurance coverage to you

When buying proper insurance coverage, there really is not a best way to insure your cars. Each situation is unique.

Here are some questions about coverages that may help highlight if your insurance needs may require specific advice.

• Am I covered by my employer’s commercial auto policy when driving my personal car for business?
• Does car insurance cover theft of personal property?
• How much can I save by bundling my policies?
• Am I covered if hit by an uninsured driver?
• When should I not file a claim?
• Am I covered when delivering products for my home-based business?
• If I drive on a suspended license am I covered?

If it’s difficult to answer those questions, then you may want to think about talking to an agent. If you want to speak to an agent in your area, fill out this quick form.

Auto insurance specifics

Learning about specific coverages of your policy can be of help when determining the right coverages for your vehicles. Auto insurance terms can be ambiguous and even agents have difficulty translating policy wording.

Collision coverages – This pays for damage to your Vitara caused by collision with another vehicle or an object, but not an animal. You have to pay a deductible then the remaining damage will be paid by your insurance company.

Collision insurance covers things like driving through your garage door, sideswiping another vehicle and rolling your car. Collision is rather expensive coverage, so consider dropping it from older vehicles. You can also raise the deductible to get cheaper collision coverage.

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage provides protection when other motorists either are underinsured or have no liability coverage at all. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Suzuki Vitara.

Since a lot of drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive (Other than Collision) – This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage protects against things like fire damage, damage from flooding, theft and damage from getting keyed. The most you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Auto liability insurance – This can cover damage that occurs to other people or property. It protects you from legal claims by others, and does not provide coverage for your injuries or vehicle damage.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 100/300/100 which means $100,000 bodily injury coverage, $300,000 for the entire accident, and $100,000 of coverage for damaged propery.

Liability can pay for things such as court costs, medical expenses, emergency aid and attorney fees. The amount of liability coverage you purchase is a personal decision, but it’s cheap coverage so purchase as much as you can afford.

Medical expense insurance – Medical payments and Personal Injury Protection insurance provide coverage for immediate expenses such as hospital visits, X-ray expenses and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants in addition to being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

In the end, you save

People leave their current company for a variety of reasons including being labeled a high risk driver, an unsatisfactory settlement offer, extreme rates for teen drivers or even high rates after DUI convictions. Whatever your reason, choosing a new company can be less work than you think.

When getting car insurance quotes online, it’s a bad idea to buy lower coverage limits just to save a few bucks. In too many instances, an insured cut comprehensive coverage or liability limits only to find out that saving that couple of dollars actually costed them tens of thousands. The goal is to buy the best coverage you can find for the lowest price and still be able to protect your assets.

We just presented many tips how you can save on 2002 Suzuki Vitara insurance. The key concept to understand is the more rate quotes you have, the better likelihood of getting the cheapest car insurance. You may even find the lowest priced insurance coverage comes from some of the lesser-known companies.

To read more, feel free to visit the following helpful articles:

• Auto Crash Statistics (Insurance Information Insitute)
• Medical Payments Coverage (Liberty Mutual)
• No-Fault Auto Insurance Statistics (Insurance Information Insitute)
• Rental Car Insurance Tips (Insurance Information Insitute)
• Avoiding Deer Collisions (Insurance Information Insitute)
• Safety Belts FAQ (iihs.org)