2004 Suzuki Vitara Insurance Cost

Searching for better insurance prices for a Suzuki Vitara can turn out to be an all-consuming task, but you can follow our car insurance buying tips to save time.

There is a right way and a wrong way to buy car insurance so we’re going to tell you the quickest way to get price quotes for your Suzuki and get the cheapest rates.

Consumers need to compare rates on a regular basis because prices are variable and change quite frequently. Just because you found the best deal on Vitara coverage at your last renewal other companies may now be cheaper. You can find a lot of wrong information about car insurance on the internet, but we’re going to give you some solid techniques on how to lower your car insurance rates.

If you have a current auto insurance policy or are looking for a new policy, you can learn to find better prices and still get good coverage. Buying more affordable auto insurance coverage is easy if you know what you’re doing. Drivers just need to understand the most effective way to shop on the web.

The quickest way to compare insurance rates from multiple companies is to know the trick most of the larger companies participate in online systems to provide you with free rate quotes. The only thing you need to do is provide a little information including how you use your vehicles, if a SR-22 is required, the make and model of your vehicles, and driver details. Your insurance information gets sent immediately to multiple different insurance companies and they return quotes with very little delay.

Save a ton with these discounts

Car insurance is easily one of your largest bills, but discounts can save money and there are some available that could drop your premiums quite a bit. Certain discounts will be triggered automatically when you purchase, but some need to be asked for prior to getting the savings. If you do not check that you are getting every discount possible, you’re just leaving money on the table.

  • Defensive Driver Discount – Successfully completing a course teaching defensive driving skills is a good idea and can lower rates and easily recoup the cost of the course.
  • First Accident Forgiveness – This one isn’t a discount, but certain companies will turn a blind eye to one accident before raising your premiums if you are claim-free for a set time period.
  • E-sign Discounts</strong – Some of the larger companies provide a small discount for completing your application over the internet.
  • Save over 55 – Drivers over the age of 55 are able to get better car insurance rates on Vitara coverage.
  • Discount for Low Mileage – Driving less may enable drivers to earn substantially lower car insurancerates.
  • Discount for Swiching Early – A few car insurance companies offer discounts for switching policies before your current coverage expires. It’s a savings of about 10%.
  • College Student Discount – who attend college more than 100 miles from home and do not take a car to college may be insured at a cheaper rate.
  • Military Deployment Discount – Being deployed in the military can result in better rates.

While discounts sound great, it’s important to understand that most of the big mark downs will not be given the the whole policy. Some only reduce the cost of specific coverages such as comp or med pay. So even though they make it sound like having all the discounts means you get insurance for free, insurance companies wouldn’t stay in business. Any amount of discount will help lower your policy premiums.

Popular car insurance companies and a selection of discounts can be found below.

  • State Farm offers premium reductions for defensive driving training, safe vehicle, good driver, Drive Safe & Save, Steer Clear safe driver discount, and anti-theft.
  • Esurance policyholders can earn discounts including online quote, claim free, online shopper, safety device, and renters.
  • Progressive has savings for continuous coverage, multi-vehicle, good student, online signing, homeowner, and multi-policy.
  • Liberty Mutual may offer discounts for safety features, new vehicle discount, newly married, new graduate, hybrid vehicle, and multi-car.
  • Auto-Owners Insurance may have discounts that include paperless, company car, air bags, multiple vehicles, group or association, and mature driver.
  • Geico has discounts for daytime running lights, driver training, emergency military deployment, good student, multi-vehicle, seat belt use, and anti-theft.

If you want affordable car insurance quotes, ask every insurance company to apply every possible discount. Some discounts may not be available in your area.

Auto insurance can be complex

When choosing the right insurance coverage, there really is no perfect coverage plan. Coverage needs to be tailored to your specific needs.

Here are some questions about coverages that might help in determining whether or not you may require specific advice.

  • Do I need replacement cost coverage?
  • Is pleasure use cheaper than using my 2004 Suzuki Vitara to commute?
  • What happens if I owe more than my 2004 Suzuki Vitara is worth?
  • Where can I find DUI or SR-22 insurance?
  • Is upholstery damage covered by car insurance?
  • Should I drop comprehensive coverage on older vehicles?

If it’s difficult to answer those questions then you might want to talk to a licensed agent. To find lower rates from a local agent, complete this form. It only takes a few minutes and may give you better protection.

Car insurance specifics

Understanding the coverages of your car insurance policy helps when choosing appropriate coverage and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Uninsured or underinsured coverage

Uninsured or Underinsured Motorist coverage provides protection when the “other guys” do not carry enough liability coverage. Covered claims include injuries to you and your family and damage to your Suzuki Vitara.

Due to the fact that many drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages is very important. Usually the UM/UIM limits are identical to your policy’s liability coverage.

Comprehensive protection

This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like hitting a deer, hail damage and damage from getting keyed. The maximum payout you can receive from a comprehensive claim is the ACV or actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Liability insurance

Liability coverage will cover damage that occurs to other’s property or people in an accident. It protects you from legal claims by others. Liability doesn’t cover damage to your own property or vehicle.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 50/100/50 that translate to $50,000 bodily injury coverage, a total of $100,000 of bodily injury coverage per accident, and a total limit of $50,000 for damage to vehicles and property. Another option is one limit called combined single limit (CSL) which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like medical expenses, court costs and repair bills for other people’s vehicles. The amount of liability coverage you purchase is up to you, but it’s cheap coverage so purchase as large an amount as possible.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses for things like X-ray expenses, pain medications and funeral costs. They are used to fill the gap from your health insurance policy or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP coverage is only offered in select states but it provides additional coverages not offered by medical payments coverage

Collision protection

Collision coverage pays for damage to your Vitara resulting from a collision with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as sideswiping another vehicle, colliding with a tree and crashing into a ditch. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. It’s also possible to raise the deductible to save money on collision insurance.

Comments About 2004 Suzuki Vitara Insurance

  1. Doyle Irwin

    Does Progressive offer good discounts?

  2. Francoise Perez

    I’m in the east part of Fayetteville, AR. I don’t recall every quote but I ended up saving about $30 each month. Insured with Amica before. You can get a rate quote online. Only insure liability on my Suzuki.

  3. Antione Mann

    Here’s what I found out. From Jersey City, NJ. I quoted with Hartford, AIG Insurance, Nationwide, and a couple others for my Vitara and saved just over $110 a year. I got a quote from their website.

  4. Rene Raymond

    I’ve had State Farm for years. I’m in Kansas City, MO.

  5. Claud Burns

    Is Progressive cheap in Phoenix, Arizona?

  6. Dorian Livingston

    I’m from North Charleston, SC. Not sure of all the companies but I ended up saving about $20 each month. My new agent seems to be really good.