Cheap 2003 Suzuki XL-7 Insurance Quotes

Finding better insurance prices for your Suzuki XL-7 can be a lot of work, but you can follow these tips to make it easier. There is a right way and a wrong way to buy insurance coverage and we’ll show you the quickest way to get price quotes for a Suzuki and find the lowest price.

If you are insured now or are just looking to switch companies, you can follow these tips to shop for the lowest rates while maintaining coverages. Buying the lowest cost insurance is not that difficult. Vehicle owners just need to know the most effective way to buy insurance online.

Take policy discounts and save

Companies don’t always advertise every possible discount in a way that’s easy to find, so the list below details some of the best known in addition to some of the lesser obvious credits available to bring down your rates.

  • Military Discounts – Having an actively deployed family member could qualify you for better car insurance rates.
  • Save over 55 – Drivers that qualify as senior citizens may receive a small discount on rates for XL-7 coverage.
  • Telematics Devices – Drivers who agree to allow their company to analyze when and where they use their vehicle by using a telematic data system like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease if they exhibit good driving behavior.
  • Passive Restraints and Air Bags – Vehicles equipped with air bags may earn rate discounts of 20% or more.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time as opposed to paying monthly you could save up to 5%.

Remember that many deductions do not apply to the entire policy premium. Most only reduce the cost of specific coverages such as comprehensive or collision. So when it seems like adding up those discounts means a free policy, insurance companies wouldn’t stay in business. Any qualifying discounts will help lower your overall premium however.

To see a list of insurance companies with the best discounts, click here to view.

Low cost auto insurance prices

Comparing auto insurance rates can take hours if you don’t know the best way to get rate quotes. You could spend the better part of a day discussing policy coverages with local insurance agents in your area, or you can utilize the web to get pricing more quickly.

Many companies belong to an insurance system that enables customers to send in one quote, and each company then returns a price quote based on that data. This prevents consumers from doing quote forms for each company. To access this free quoting program, click here to open in new window.

The one downside to pricing coverage this way is you cannot specify the providers you want pricing from. So if you want to select specific providers to compare prices, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

It’s up to you how you get prices quotes, just make sure you are using the exact same coverages for every company. If you have different data it will be impossible to get a fair rate comparison.

Which policy gives me the best coverage?

When buying the best insurance coverage, there really is no “best” method to buy coverage. Every insured’s situation is different.

Here are some questions about coverages that might point out if your insurance needs could use an agent’s help.

  • Why do I only qualify for high-risk insurance?
  • Do I really need UM/UIM coverage?
  • Is extra glass coverage worth it?
  • Is a blown tire covered by insurance?
  • Should I have a commercial auto policy?
  • Is business equipment covered while in my vehicle?
  • Does my insurance cover a custom paint job?

If it’s difficult to answer those questions but you think they might apply to your situation, then you may want to think about talking to a licensed agent. To find an agent in your area, complete this form. It’s fast, free and can help protect your family.

Auto insurance coverages

Knowing the specifics of insurance helps when choosing the right coverages and the correct deductibles and limits. The terms used in a policy can be confusing and coverage can change by endorsement.

Coverage for medical expenses

Medical payments and Personal Injury Protection insurance provide coverage for bills for things like ambulance fees, hospital visits and doctor visits. The coverages can be utilized in addition to your health insurance program or if you are not covered by health insurance. It covers you and your occupants and will also cover any family member struck as a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Liability auto insurance

Liability insurance will cover injuries or damage you cause to people or other property. This insurance protects YOU from claims by other people. It does not cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that means you have a $25,000 limit per person for injuries, a total of $50,000 of bodily injury coverage per accident, and $25,000 of coverage for damaged propery.

Liability insurance covers things like medical expenses, court costs and structural damage. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.

Coverage for uninsured or underinsured drivers

This gives you protection when the “other guys” are uninsured or don’t have enough coverage. Covered losses include injuries sustained by your vehicle’s occupants as well as your vehicle’s damage.

Due to the fact that many drivers only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea.

Comprehensive insurance

This coverage pays for damage from a wide range of events other than collision. A deductible will apply then your comprehensive coverage will pay.

Comprehensive insurance covers claims like damage from flooding, damage from a tornado or hurricane and a broken windshield. The most you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Collision coverage protection

This covers damage to your XL-7 resulting from a collision 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 claims like crashing into a building, rolling your car and crashing into a ditch. Collision coverage makes up a good portion of your premium, so you might think about dropping it from lower value vehicles. Drivers also have the option to bump up the deductible to get cheaper collision coverage.

Online plus local equals savings

Cost effective 2003 Suzuki XL-7 insurance is available both online and from local insurance agents, so you need to quote car insurance with both in order to have the best price selection to choose from. There are still a few companies who don’t offer rate quotes online and usually these smaller providers provide coverage only through local independent agencies.

As you quote car insurance, don’t be tempted to sacrifice coverage to reduce premiums. There have been many cases where consumers will sacrifice liability limits or collision coverage and found out when filing a claim that it was a big error on their part. The ultimate goal is to buy the best coverage you can find at the best possible price, but do not sacrifice coverage to save money.

People who switch companies do it for a number of reasons such as policy non-renewal, denial of a claim, high prices and delays in responding to claim requests. Whatever your reason, switching companies can be pretty painless.

More learning opportunities

Comments About 2003 Suzuki XL-7 Insurance

  1. Lucienne Holland

    I compared a lot of rate quotes for a 2003 Suzuki XL-7 in Missoula, MT. Ended up at darn near $70 every six months with American Family. I even had a DUI years ago. I don’t put full coverage on it.

  2. Stephnie Haynes

    Thought I’d throw in my experience. I live just to the west of Fort Smith, AR. Got car insurance prices from Auto-Owners, Esurance, and MetLife for my Suzuki and saved $73 a year. Are quotes cheaper online?

  3. Olga Acevedo

    I’m looking for cheaper coverage. I’m in the north part of Mobile, AL. I got free rates from Allstate, Liberty Mutual, and Farmers for my XL-7 and saved just over $80 a year. Liability only on my XL-7.

  4. John Mclaughlin

    Anyone find cheap rates around Mobile, AL?

  5. Edna Armstrong

    Any State Farm or Eastwood customers near Oklahoma City, Oklahoma?

  6. Clemencia Hall

    Can I get replacement cost coverage for a 2003 Suzuki XL-7?

  7. Krystal Saunders

    Just a quick comment on my experience. I live in San Diego, CA. I quoted with 21st Century, GMAC, and Farmers for my Suzuki and I think I saved around $20 each month. Left Hartford to switch.

  8. Stevie Pate

    From Bangor, Maine. Quoted rates from Allstate, Amica, Erie, and Liberty Mutual for my XL-7 and saved $96 a year. I increased coverages a little too. I just carry liability insurance.

  9. Bethany Larson

    I live just to the east of Jacksonville, Florida. Went online for free insurance quotes for a 2003 Suzuki XL-7. Ended up at about $120 savings annually. Went with Progressive. BTW speeding tickets are not good. They offer free online rate quotes.

  10. Kirsten Conrad

    I got decent rates for a 2003 Suzuki XL-7 in Salt Lake City, UT. Ended up at darn near $120 every six months with AIG Insurance. They have a lot of discounts available. I don’t put full coverage on it.

  11. Ashlea Middleton

    Lifelong resident of Dallas, TX. Received prices from Western Auto Insurance, American Family, GMAC, and Sentry for my Suzuki and I’m now saving $21 a month. Have a couple speeding tickets too. I only have liability coverage on it.