Cheap 2004 Suzuki XL7 Insurance Cost

Looking for better insurance rates? Shoppers have many options when shopping for affordable Suzuki XL7 insurance. You can either waste hours calling around trying to get quotes or utilize the internet to find the lowest rates.

There are both good and bad ways to shop for insurance and we’ll show you the proper way to get price quotes for your Suzuki and obtain the cheapest rates either online or from local insurance agents.

Consumers need to compare premium rates occasionally due to the fact that insurance prices change quite often. Just because you had the lowest rates for XL7 coverage a couple years back there may be better deals available now. Block out anything you think you know about insurance because we’re going to demonstrate the fastest and easiest way to save money, get proper deductibles and limits, all at the lowest rate.

Why you might pay lower rates

Lots of factors are part of the equation when quoting car insurance. A few of the factors are predictable such as your driving history, but other criteria are not as apparent such as your marital status or your vehicle rating.

The factors shown below are just a few of the factors utilized by car insurance companies to help set rates.

  • Always keep your auto insurance policy in force – Driving without insurance coverage in place can get you a ticket and you will pay a penalty because you let your insurance lapse. And not only will insurance be more expensive, failure to provide proof of insurance may result in a fine, jail time, or a revoked license.
  • Premiums increase with driving tickets – Drivers with clean records pay less for auto insurance than their less careful counterparts. Having a single chargable violation can increase the cost of insurance substantially. Drivers who have flagrant violations such as DUI or reckless driving are required to maintain a SR-22 with their state in order to legally drive.
  • Do thieves like your car? – Choosing a vehicle that has an advanced theft prevention system can help bring down rates. Theft deterrent systems such as vehicle immobilizer systems, OnStar, and tracking devices like LoJack can help prevent your vehicle from being stolen.
  • Low deductibles mean high premiums – Comp and collision deductibles define the amount you are required to spend out-of-pocket if you file a covered claim. Coverage for physical damage, otherwise known as comp (or other than collision) and collision, insures against damage to your car. A few examples of covered claims would be collision with another vehicle, hail damage, and damage caused by road hazards. The more expense you choose to pay out-of-pocket, the lower your rates will be for XL7 coverage.
  • Age of drivers – Older, more experienced drivers have been proven to be more responsible, statistically cause fewer accidents , and are generally more financially stable.Youthful drivers have a tendency to be careless and easily distracted when driving so they pay higher auto insurance rates.
  • Fewer miles means better rates – The higher the miles on your Suzuki in a year’s time the higher the price you pay to insure it. A lot of insurance companies calculate rates based upon how the vehicle is primarily used. Vehicles used primarily for pleasure use cost less to insure than vehicles that have high annual mileage. Make sure your auto insurance policy shows the correct usage for each vehicle. An incorrectly rated XL7 may be costing you higher rates.
  • How much liability – The liability section of your policy is the coverage that protects you if ever a jury decides you are liable for an accident. It provides legal defense coverage which can cost thousands of dollars. This coverage is relatively inexpensive when compared to the cost of physical damage coverage, so drivers should make sure they buy enough to cover all assets.

How much is insurance coverage?

There are multiple methods to shop for insurance coverage, but one way is more efficient than others. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you could use online quoting to quickly compare rates.

Most car insurance companies participate in an industry program where prospective buyers only type in their quote data once, and every company then returns a price quote for coverage. This system prevents you from having to do quotation requests to every company.

To fill out one form to compare multiple rates now click here (opens in new window).

The one disadvantage to comparing rates this way is you don’t know exactly the providers to receive prices from. So if you prefer to choose specific providers to compare, we have a listing of companies who write insurance coverage in your area. Click here for list of insurance companies.

It’s up to you how you get prices quotes, just ensure you are comparing the exact same information for each price quote. If you compare unequal deductibles or liability limits it’s impossible to get a fair rate comparison.

These discounts can cut insurance coverage rates

Companies offering auto insurance don’t always list the complete list of policy discounts in an easy-to-find place, so the following list contains both well-publicized in addition to some of the lesser obvious credits available to lower your premiums when you buy insurance online.

  • Discounts for Responsible Drivers – Drivers without accidents can save as much as half off their rates for XL7 coverage compared to rates paid by drivers with frequent claims.
  • Driver’s Education for Students – Reduce the cost of insurance for teen drivers by having them complete a driver education course if it’s offered in school.
  • Discount for Passive Restraints – Factory air bags and/or automatic seat belt systems could see savings of up to 25% or more.
  • Distant College Student Discount – Any of your kids who are enrolled in higher education away from home and won’t have access to an insured vehicle may be able to be covered for less.
  • Seat Belt Discounts – Requiring all passengers to buckle their seat belts can save up to 10 percent (depending on the company) off the PIP or medical payment premium.
  • Paper-free Discount – Many insurance coverage companies give back up to $50 for signing up on the web.
  • Service Members Pay Less – Having a family member in the military may qualify for rate reductions.
  • Accident Forgiveness Coverage – This one isn’t a discount, but some companies like Progressive, Allstate, and GEICO may permit one accident before hitting you with a surcharge so long as you are claim-free for a certain period of time.
  • Multi-Vehicle Discounts – Buying a policy with multiple cars with one company qualifies for this discount.

Just know that some credits don’t apply the the whole policy. Most only cut specific coverage prices like liability, collision or medical payments. Despite the fact that it seems like you can get free auto insurance, you won’t be that lucky.

Large insurance coverage companies and some of the premium reductions they offer are shown below.

  • American Family offers discounts for defensive driver, good student, bundled insurance, air bags, and multi-vehicle.
  • Nationwide may offer discounts for Farm Bureau membership, accident-free, defensive driving, multi-policy, anti-theft, and easy pay.
  • MetLife has discounts for good driver, multi-policy, defensive driver, accident-free, claim-free, and good student.
  • 21st Century may have discounts that include teen driver, early bird, good student, homeowners, air bags, automatic seat belts, and anti-lock brakes.
  • Farmers Insurance offers premium reductions for mature driver, homeowner, business and professional, bundle discounts, multi-car, pay in full, and electronic funds transfer.
  • Allstate discounts include premier discount, new car, senior citizen, utility vehicle, and passive restraint.

Check with every company to give you their best rates. Savings may not be offered in your area.

When do I need an agent’s advice?

When it comes to buying proper insurance coverage, there really is no “perfect” insurance plan. Each situation is unique.

For instance, these questions could help you determine if you would benefit from professional advice.

  • What is the rate difference between pleasure use and commuting?
  • How much underlying liability do I need for an umbrella policy?
  • Can my babysitter drive my car?
  • Where can I get insurance after a DUI in my state?
  • How much can I save by bundling my policies?
  • What if I owe more than I can insure my car for?
  • Am I covered if my car is in a flood?
  • Do I need motorclub coverage?
  • How can I force my company to pay a claim?
  • Am I getting all the discounts available?

If you can’t answer these questions, then you may want to think about talking to an insurance agent. To find an agent in your area, take a second and complete this form. It is quick, free and can help protect your family.

Auto insurance coverage considerations

Understanding the coverages of your auto insurance policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and coverage can change by endorsement.

Auto liability

Liability coverage protects you from damages or injuries you inflict on other people or property. This coverage protects you from claims by other people. Liability doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 100/300/100 which means $100,000 bodily injury coverage, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Some companies may use one limit called combined single limit (CSL) that pays claims from the same limit with no separate limits for injury or property damage.

Liability insurance covers claims like repair bills for other people’s vehicles, bail bonds and structural damage. How much liability coverage do you need? That is up to you, but you should buy as much as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first have to pay a deductible and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things like damage from a tornado or hurricane, falling objects, vandalism, theft and hitting a deer. The maximum amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries and also any damage incurred to your Suzuki XL7.

Due to the fact that many 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 a good idea. Normally these coverages do not exceed the liability coverage limits.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for expenses for prosthetic devices, dental work, rehabilitation expenses, pain medications and EMT expenses. They are often used to fill the gap from your health insurance program or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is not an option in every state and gives slightly broader coverage than med pay

Coverage for collisions

Collision coverage pays to fix your vehicle from damage from colliding with another car or object. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage protects against things like colliding with a tree, sustaining damage from a pot hole and rolling your car. Collision is rather expensive coverage, so you might think about dropping it from vehicles that are older. You can also bump up the deductible in order to get cheaper collision rates.

Smart shoppers get results

When getting insurance quotes online, don’t be tempted to skimp on coverage in order to save money. There have been many cases where an insured cut liability limits or collision coverage and learned later that their decision to reduce coverage ended up costing them more. Your strategy should be to find the BEST coverage at the best cost while still protecting your assets.

Discount 2004 Suzuki XL7 insurance is possible both online and from local insurance agents, and you should compare rates from both so you have a total pricing picture. A few companies do not offer online price quotes and many times these small insurance companies only sell coverage through independent agents.

Insureds who switch companies do it for a number of reasons such as questionable increases in premium, policy non-renewal, poor customer service or even high rates after DUI convictions. Whatever your reason, finding a new company is easier than you think.

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Comments About 2004 Suzuki XL7 Insurance

  1. Antwan Compton

    Located in Gulfport, Mississippi. Got prices from Amica, Eastwood, and Safeco for my Suzuki and cut my rates about $100 a year. I increased coverages a little too.

  2. Bennett Buckley

    21st Century is decent in Boise, Idaho.

  3. Augustine Porter

    I found pretty cheap rate quotes for a 2004 Suzuki XL7 in Augusta, Georgia. Ended up at darn near $80 every six months with Amica. I think they have home insurance too. Not sure if rates are cheaper online or through an agent. Book value doesn’t justify full coverage anymore.

  4. Genevive Randolph

    Progressive and Allstate were both pretty cheap in Billings, Montana.

  5. Cristin Soto

    I’m in the suburbs of Tulsa, Oklahoma. Quoted quotes from State Farm, Eastwood, and Hartford for my 2004 Suzuki XL7 and saved $114 a year. Was with Western Auto Insurance. I have a teen driver too. When should I drop full coverage?

  6. Myrna Rios

    I live on the south side of Lewiston, ME. I got free quotes from 21st Century, AAA, Esurance, and Hartford for my Suzuki and I’m now saving $21 a month. Moved home policy as well.

  7. Tad Velez

    Are custom wheels covered by insurance?

  8. Kimiko Dillard

    I compared a lot of rate quotes for a 2004 Suzuki XL7 in Burlington, VT. Ended up at about $110 every six months with AAA. Get lots of quotes to find the best rate. I think I’ll get rid of full coverage next time.

  9. Babette Mcdowell

    My Suzuki is faster than yours.

  10. Valery Turner

    Compared auto insurance prices with Allstate and GEICO but still not cheap enough.

  11. Nicholle Reyes

    IMHO San Jose, CA seems to have good rates from State Farm.

  12. Alida Duffy

    Not sure if this is cheap. I live in Billings, MT. Can’t remember who all I quoted but I ended up saving about $30 each month. Insured with Farmers before. Only insure liability on my Suzuki.