2005 Suzuki Grand Vitara Car Insurance Rates

Want cheaper auto insurance rates for your Suzuki Grand Vitara? I can’t think of a single person who loves paying for auto insurance, especially when they know it costs too dang much.

Vehicle owners have so many auto insurance companies to buy insurance from, and though it is a good thing to have a choice, more options can take longer to adequately compare rates.

It is always a good idea to take a look at other company’s rates as often as possible since prices are rarely the same from one policy term to another. If you had the lowest rate on Grand Vitara insurance six months ago a different company probably has better premium rates today. You can search a lot of auto insurance on the internet, but we’re going to give you some good information on how to lower your auto insurance rates.

Cheapest insurance coverage price quotes

Shopping for lower insurance coverage rates can take time and effort if you don’t understand the easiest way. You could waste time discussing policy coverages with agents in your area, or you could use online quoting to accomplish the same thing much quicker.

Many companies belong to a marketplace that allows shoppers to send in one quote, and each participating company returns a competitive quote based on that information. This system prevents you from having to do quote forms for every insurance coverage company.

To compare rates using this form now click to open in new window.

The only drawback to getting quotes like this is you are unable to specify which providers to get quotes from. So if you want to choose specific insurance companies to receive pricing from, we have assembled a list of insurance coverage companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just be sure to compare exactly the same quote data on every quote. If you have different limits and deductibles on each one it will be next to impossible to get a fair rate comparison. Having just a slight variation in limits may cause a big price difference. And when quoting insurance coverage, remember that comparing more quotes helps increase your odds of locating a better price.

Tricks in insurance advertising

Insurance companies such as State Farm, Allstate and Geico constantly bombard you with ads on television and other media. They all seem to convey the message that you can save if you move your coverage to them. Is it even possible that every company can cost less than your current company? You have to listen carefully.

All companies have underwriting criteria for the type of driver that will add to their bottom line. For example, a driver they prefer might be described as between the ages of 40 and 55, carries high limits, and has excellent credit. A customer getting a price quote who matches those parameters will probably get the lowest car insurance rates and most likely will cut their rates substantially.

Drivers who do not match these criteria will see higher premiums which translates to business going elsewhere. The ad wording is “people that switch” but not “all drivers who get quotes” save that much money. That is how insurance companies can confidently make the claims of big savings. Each company has different criteria, so it is so important to get price quotes at each policy renewal. It’s impossible to know with any certainty which company will have the best rates at this point in time.

Don’t miss these discounts

Not too many consumers would say insurance coverage is affordable, but you may qualify for discounts to reduce the price significantly. A few discounts will be applied when you get a quote, but a few must be specially asked for prior to receiving the credit.

• Discounts for Federal Employees – Active or former government employment can earn a discount up to 10% on Grand Vitara insurance with a few insurance coverage companies.
• Defensive Driving Course – Taking time to complete a course in driver safety is a good idea and can lower rates if your company offers it.
• Distant College Student Discount – who live away from home at college without a vehicle on campus could qualify for this discount.
• Drivers Ed for Students – Teen drivers should sucessfully take a drivers education course if offered at their school.
• Passive Restraint Discount – Vehicles with factory air bags or automatic seat belts may get savings of up to 25% or more.
• Switch and Save Discount – Some insurance coverage companies provide a discount for switching companies prior to your current policy expiration. You could save around 10% when you buy auto insurance online.
• Waiver for an Accident – Not really a discount, but a few companies such as Liberty Mutual, Allstate and State Farm permit an accident before raising your premiums with the catch being you have to be claim-free for a set time period.
• Drive Safe and Save – Accident-free drivers can get discounts for up to 45% lower rates on Grand Vitara insurance than drivers with accidents.

Consumers should know that some credits don’t apply to your bottom line cost. Most only reduce individual premiums such as collision or personal injury protection. Just because it seems like you would end up receiving a 100% discount, company stockholders wouldn’t be very happy.

A list of insurance coverage companies and their possible discounts are shown below.

• State Farm discounts include passive restraint, driver’s education, defensive driving training, good driver, accident-free, and multiple autos.
• Progressive may have discounts that include multi-vehicle, homeowner, good student, online signing, multi-policy, online quote discount, and continuous coverage.
• Progressive may include discounts for multi-vehicle, online signing, multi-policy, good student, online quote discount, and continuous coverage.
• MetLife includes discounts for multi-policy, claim-free, good driver, accident-free, good student, defensive driver
• Farm Bureau has savings for safe driver, good student, multi-policy, youthful driver, multi-vehicle, driver training, and 55 and retired.
• Geico may offer discounts for seat belt use, multi-policy, driver training, emergency military deployment, multi-vehicle, five-year accident-free, and federal employee.
• SAFECO has discounts for homeowner, safe driver, accident prevention training, bundle discounts, teen safe driver, multi-car, and anti-lock brakes.

It’s a good idea to ask each company what discounts are available to you. Some of the earlier mentioned discounts may not apply to policies in your area.

Special considerations

When it comes to buying the right insurance coverage, there really is not a “perfect” insurance plan. Every insured’s situation is different and your policy should reflect that. Here are some questions about coverages that can help discover whether or not you might need an agent’s assistance.

• Can I pay claims out-of-pocket if I buy high deductibles?
• What discounts do I qualify for?
• Can I afford to buy a different vehicle if my 2005 Suzuki Grand Vitara is totaled?
• Am I covered if I hit a deer?
• Do all my vehicles need collision coverage?
• Can my teen driver be rated on a liability-only vehicle?
• What is PIP insurance?
• What is roadside assistance coverage?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with an insurance agent. If you want to speak to an agent in your area, complete this form or go to this page to view a list of companies.

The coverage is in the details

Knowing the specifics of your car insurance policy aids in choosing the best coverages and proper limits and deductibles. Car insurance terms can be impossible to understand and coverage can change by endorsement. Below you’ll find the normal coverages found on most car insurance policies.

Comprehensive or Other Than Collision

Comprehensive insurance coverage covers damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive can pay for things like a broken windshield, hail damage and a tree branch falling on your vehicle. The maximum amount your car insurance company will pay is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

UM/UIM Coverage

This coverage provides protection when the “other guys” do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your 2005 Suzuki Grand Vitara.

Because many people carry very low liability coverage limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages should not be overlooked.

Liability

This can cover damage or injury you incur to other people or property by causing an accident. This coverage protects you from legal claims by others. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see values of 25/50/25 that translate to $25,000 bodily injury coverage, a limit of $50,000 in injury protection per accident, and property damage coverage for $25,000.

Liability insurance covers things like bail bonds, medical expenses, pain and suffering, loss of income and funeral expenses. The amount of liability coverage you purchase is up to you, but consider buying as large an amount as possible.

Coverage for collisions

This covers damage to your Grand Vitara resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things such as driving through your garage door, scraping a guard rail, rolling your car, damaging your car on a curb and hitting a mailbox. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Drivers also have the option to increase the deductible to bring the cost down.

Medical costs insurance

Med pay and PIP coverage provide coverage for expenses for things like pain medications, X-ray expenses and doctor visits. They are often used in conjunction with a health insurance program or if there is no health insurance coverage. They cover you and your occupants and will also cover being hit by a car walking across the street. Personal Injury Protection is not an option in every state but it provides additional coverages not offered by medical payments coverage

Stretch your dollar

We just covered a lot of information how to shop for 2005 Suzuki Grand Vitara insurance online. The key concept to understand is the more quotes you get, the better your chances of lowering your premium rates. Consumers could even find that the lowest auto insurance rates are with a small mutual company. These smaller insurers can often insure niche markets at a lower cost than their larger competitors like State Farm, Geico and Nationwide.

When shopping online for car insurance, make sure you don’t buy poor coverage just to save money. In many instances, an accident victim reduced physical damage coverage only to regret at claim time that it was a big mistake. The ultimate goal is to find the BEST coverage at the best cost, not the least amount of coverage.

For more information, feel free to visit these articles:

• Teen Driving and Texting (State Farm)
• What is Covered by an Auto Insurance Policy? (Insurance Information Insitute)
• Prepare your Teens for Safe Driving (InsureUonline.org)
• A Tree Fell on Your Car: Now What? (Allstate)