2004 Suzuki Grand Vitara Insurance Rates

Are you kicking yourself for buying an underperforming, overpriced insurance coverage policy? Don’t feel bad because many consumers are in the same pinch.

Due to the large number of options, it is very difficult to pick the lowest price insurer.

How to compare free insurance coverage quotes

To find cheap insurance coverage quotes, there are several ways to get quotes from many insurance coverage companies in your state. The simplest method to do a complete rate comparison consists of obtaining rate quotes online. This can be accomplished using a couple different methods.

  • The recommended way to get quotes is an all-inclusive rate comparison like this one (opens in new window). This easy form saves time by eliminating repetitive form entry for each company. Completing one form will return price quotes from many national carriers.
  • A different way to analyze rates requires you to visit each individual company website and repeat the quote process. For examples sake, we’ll pretend you need rates from Nationwide, Liberty Mutual and Allstate. To get each rate you have to spend time going to each site individually to input your insurance information, which is why first method is reommended. To view a list of companies in your area, click here.
  • The least efficient way to find lower rates is driving around to different agent offices. The ability to quote online eliminates the need for an insurance agent unless you have a need for the professional guidance only provided by licensed agents. However, consumers can comparison shop online and get advice from an agent in your area.

It’s up to you which method you use, but ensure you are comparing equivalent quote data with every price quote. If you are comparing differing limits then you won’t be able to determine the lowest rate for your Suzuki Grand Vitara. Having just a slight variation in insurance coverages could throw off the whole comparison. And when quoting insurance coverage, remember that quoting more helps you find a better price.

Special considerations

When it comes to buying the best auto insurance coverage for your personal vehicles, there really is not a one size fits all plan. Your needs are not the same as everyone else’s and a cookie cutter policy won’t apply. For example, these questions can aid in determining whether your personal situation might need professional guidance.

  • Should I carry comprehensive and collision coverage?
  • Are my tools covered if they get stolen from my vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?
  • Are my friends covered when driving my 2004 Suzuki Grand Vitara?
  • Am I covered if my car is in a flood?
  • When should I remove comp and collision on my 2004 Suzuki Grand Vitara?
  • What are the financial responsibility laws in my state?
  • Is my vehicle covered by my employer’s policy when using it for work?
  • How high should my medical payments coverage be?
  • Am I missing any policy discounts?

If you can’t answer these questions but one or more may apply to you then you might want to talk to an agent. To find lower rates from a local agent, fill out this quick form or click here for a list of auto insurance companies in your area.

Auto insurance coverage information

Knowing the specifics of your insurance policy helps when choosing the right coverages and proper limits and deductibles. Insurance terms can be ambiguous and nobody wants to actually read their policy. Listed below are typical coverage types found on most insurance policies.

Liability auto insurance – This coverage can cover injuries or damage you cause to other’s property or people in an accident. This insurance protects YOU against claims from other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have $100,000 bodily injury coverage, a per accident bodily injury limit of $300,000, and $100,000 of coverage for damaged propery. Another option is a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability can pay for claims such as repair costs for stationary objects, loss of income, attorney fees, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is a personal decision, but consider buying as large an amount as possible.

UM/UIM Coverage – This coverage gives you protection from other motorists when they either have no liability insurance or not enough. It can pay for injuries sustained by your vehicle’s occupants and damage to your Suzuki Grand Vitara.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Frequently the UM/UIM limits do not exceed the liability coverage limits.

Medical costs insurance – Med pay and PIP coverage pay for expenses for things like ambulance fees, rehabilitation expenses and EMT expenses. They can be used to fill the gap from your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants as well as being hit by a car walking across the street. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage

Comprehensive or Other Than Collision – Comprehensive insurance pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive can pay for things like a broken windshield, theft, damage from a tornado or hurricane and hail damage. The maximum payout your insurance company will pay is the ACV or actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Collision coverages – This pays to fix your vehicle from damage resulting from colliding with a stationary object or other vehicle. A deductible applies and then insurance will cover the remainder.

Collision coverage pays for claims such as colliding with a tree, sideswiping another vehicle and colliding with another moving vehicle. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to get cheaper collision coverage.

Comments About 2004 Suzuki Grand Vitara Insurance

  1. Faustino Lewis

    I’m looking for cheaper coverage. I’m from Newark, NJ. Received prices from 21st Century, American Family, Eastwood, and Hartford for my Suzuki and saved just over $110 a year. Was with Eastwood. LOL Not worth enough to pay for comprehensive and collision.

  2. Bruno Chandler

    Good site, thanks. I’m from Lewiston, ME. Compared rates from a lot of places. Saved roughly $20 a month. Allstate was the cheapest for me. I quoted rates online then called them. Only insure liability on my Grand Vitara.

  3. Laquanda Koch

    Does Progressive offer new car replacement?

  4. Starla Shaffer

    If you have a good history and are close to Bangor, Maine, check out State Farm. They seem to be cheaper. Was with MetLife. Liability only on my Suzuki.

  5. Paris Castaneda

    It all costs too much. I live just outside Chesapeake, Virginia. Got rates from Sentry, Eastwood, State Farm, and Auto-Owners for my Suzuki and I’m now saving $25 a month. Was with Nationwide. Thankfully I have a good driving record. Wish I didn’t have to insure at all.

  6. Julio Gay

    Just a quick comment on my experience. I’m in Jackson, MS. Received rates from State Farm, Erie, and GMAC for my 2004 Suzuki Grand Vitara and saved around $80 a year. Ask about discounts. My Grand Vitara doesn’t have full coverage.

  7. Kaleigh Alvarez

    Anyone try to read their policy?

  8. Katelynn Leach

    Anyone buy from Amica? I’m in Kansas City, Kansas.

  9. Teodora Hines

    Great site. I live just to the north of Davenport, IA. I quoted with USAA, Auto-Owners, Hanover, and MetLife for my Suzuki and I think I am saving around $20 each month. Just waiting to see how claims go. I dropped full coverage awhile back.

  10. Nichelle Moreno

    This is too expensive. Quoted with Erie for my 2004 Suzuki Grand Vitara and am saving around $110 a year. God forbid I actually have a claim. When should I drop full coverage?

  11. Francis Medina

    Where is cheaper car insurance? I’m in Atlanta, GA. Got prices from AIG Insurance, Encompass, and MetLife for my Suzuki and saved $99 a year. Insured with AIG Insurance before. Even increased coverage a bit. They have free quotes online. Just liability coverage since it’s getting old.

  12. Yolando Hines

    Not sure if this is cheap. Live in Jacksonville, FL. Can’t remember who all I quoted but I ended up saving about $20 each month. I get multi-vehicle and multi-policy discounts. I don’t put full coverage on it.

  13. Isabella Bruce

    From northwest of Mobile, AL. Got car insurance quotes with Western Auto Insurance, AIG Insurance, The General, and Mercury for my Grand Vitara and saved $85 a year. I don’t insure for physical damage though.