Save on 2005 Suzuki XL-7 Insurance Rates

Have you finally had enough of scraping the payment together to pay insurance coverage each month? You’re in the same situation as millions of other drivers. With so many different company options, it can be diffult for people to find the best insurer.

It’s a good idea to quote other rates before your next renewal because insurance coverage prices go up and down regularly. Despite the fact that you may have had the lowest rates for XL-7 coverage a couple years back there may be better deals available now. There is a lot of bad information regarding insurance coverage on the internet, but in a few minutes you can learn the easiest ways to find affordable insurance coverage.

The quickest way to get policy rate comparisons is to understand most larger insurance companies provide online access to provide you with free rate quotes. To get started, all you need to do is provide the companies a bit of rating information such as if a SR-22 is needed, if it has an anti-theft system, if you are currently licensed, and if the vehicle is leased. That rating data is instantly sent to multiple auto insurance providers and you receive quotes immediately.

If you would like to start a quote now, click here and enter your zip code.

Auto insurance companies offer many discounts

Auto insurance is not inexpensive, but there could be available discounts that could drop your premiums quite a bit. Most are applied at the time you complete a quote, but occassionally some discounts must be requested specifically before they will apply. If you check and find you aren’t receiving every discount you deserve, it’s possible you qualify for a lower rate.

  • Seat Belt Usage – Using a seat belt and requiring all passengers to use their safety belts could cut 10% or more on medical payment and PIP coverage.
  • Pay Early and Save – If paying your policy premium upfront rather than spreading payments over time you could save 5% or more.
  • Air Bag Discount – Vehicles equipped with air bags can receive discounts of 20 to 30 percent.
  • Accident Waiver – Not a discount per se, but a few companies such as Libery Mutual, GEICO and Allstate allow you one accident before hitting you with a surcharge if you have no claims prior to the accident.
  • Online Discount – Many companies will discount your bill up to fifty bucks for buying a policy and signing up on the internet.
  • Multi-car Discount – Insuring multiple cars or trucks on one policy qualifies for this discount.
  • Driver Training Discounts – Completing a course in driver safety could cut 5% off your bill if you qualify.
  • Discount for Life Insurance – Larger auto insurance companies have a small discount if you purchase some life insurance in addition to your auto policy.
  • Bundle and Save – If you have multiple policies and place coverage with the same company they may give you a discount of as much as 10 to 15 percent.

One thing to note about discounts is that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce individual premiums such as physical damage coverage or medical payments. So even though it sounds like you would end up receiving a 100% discount, companies wouldn’t make money that way.

Large auto insurance companies and their possible discounts are outlined below.

  • 21st Century offers discounts including early bird, automatic seat belts, driver training, student driver, defensive driver, 55 and older, and good student.
  • State Farm discounts include multiple autos, Drive Safe & Save, good driver, driver’s education, safe vehicle, accident-free, and passive restraint.
  • AAA may have discounts that include education and occupation, pay-in-full, AAA membership discount, multi-car, good student, good driver, and anti-theft.
  • Liberty Mutual policyholders can earn discounts including new graduate, teen driver discount, preferred payment discount, newly married, exclusive group savings, and new move discount.
  • Progressive may include discounts for multi-vehicle, online quote discount, good student, continuous coverage, multi-policy, homeowner, and online signing.

When getting free car insurance quotes, it’s a good idea to each insurance company which discounts you may be entitled to. Some discounts may not be offered in your area.

Do I just need basic coverages?

When choosing proper insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Everyone’s situation is unique so your insurance should reflect that For example, these questions may help you determine if your situation might need an agent’s assistance.

  • What can I do if my company denied a claim?
  • Do I benefit by insuring my home with the same company?
  • Is my 2005 Suzuki XL-7 covered for smoke damage?
  • Do I need to file an SR-22 for a DUI in my state?
  • When should I drop full coverage on my 2005 Suzuki XL-7?
  • Is pleasure use cheaper than using my 2005 Suzuki XL-7 to commute?
  • Is my business laptop covered if it gets stolen from my vehicle?
  • Is my nanny covered when driving my vehicle?
  • Should I file a claim if it’s only slightly more than my deductible?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, simply complete this short form or go to this page to view a list of companies. It’s fast, doesn’t cost anything and can provide invaluable advice.

Specific coverage details

Knowing the specifics of your policy can help you determine the right coverages and proper limits and deductibles. The terms used in a policy can be impossible to understand and coverage can change by endorsement. These are typical coverages found on the average auto insurance policy.

Liability auto insurance

Liability coverage will cover injuries or damage you cause to other people or property in an accident. It protects you from claims by other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. You commonly see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Alternatively, you may have a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage pays for things such as medical expenses, emergency aid and pain and suffering. How much coverage you buy is a personal decision, but buy as large an amount as possible.

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive coverage protects against claims like fire damage, falling objects and rock chips in glass. The highest amount your auto insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage gives you protection when other motorists do not carry enough liability coverage. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Suzuki XL-7.

Due to the fact that many drivers only carry the minimum required liability limits, their limits can quickly be used up. 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.

Collision coverage

This coverage pays for damage to your XL-7 from colliding with a stationary object or other vehicle. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision insurance covers things like scraping a guard rail, sideswiping another vehicle, hitting a mailbox and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider dropping it from vehicles that are older. Drivers also have the option to raise the deductible in order to get cheaper collision rates.

Medical costs insurance

Coverage for medical payments and/or PIP reimburse you for expenses for things like dental work, hospital visits and X-ray expenses. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state and gives slightly broader coverage than med pay

Cheaper insurance is a realistic goal

Discount 2005 Suzuki XL-7 insurance can be bought from both online companies as well as from independent agents, and you need to price shop both to have the best rate selection. Some insurance providers may not offer rate quotes online and many times these small insurance companies only sell through local independent agencies.

When buying insurance coverage, it’s a bad idea to buy poor coverage just to save money. There have been many cases where an insured cut physical damage coverage only to regret that it was a big error on their part. Your goal is to buy enough coverage for the lowest cost, but don’t skip important coverages to save money.

Additional resources

Comments About 2005 Suzuki XL-7 Insurance

  1. Dell Hahn

    Well-written and thought out article. I’m in the suburbs of Parkersburg, West Virginia. Quoted with State Farm, Encompass, and The General for my 2005 Suzuki XL-7 and I think I saved about $70 each month. I have kids on my policy, too.

  2. Jamey Byrd

    I compared a lot of rate quotes for a 2005 Suzuki XL-7 in Grand Rapids, Michigan. Ended up at about $170 every six months with AIG Insurance. I even had a DUI years ago.

  3. Maybell Slater

    Cheap is not always the best policy. Located in Providence, RI. Quoted with AAA, MetLife, and USAA for my 2005 Suzuki XL-7 and I’m now saving $23 a month. Got better coverage too.

  4. Angeline Lynn

    Where can I find cheaper car insurance in Juneau, AK?

  5. Loyce Moody

    Affordable car insurance is a myth. Live in Knoxville, TN. Don’t remember every company but I ended up saving about $20 each month. Was with Progressive. Good multi-policy discounts. I got prices on the web.

  6. Alfredo Nielsen

    Here’s my quote info. From a town just southwest of Paterson, NJ. I quoted with American Family, Nationwide, and some smaller one I can’t remember the name of for my 2005 Suzuki XL-7 and I’m now saving $41 a month.

  7. Skye Juarez

    Mine is so expensive. I live in a small town just outside of Virginia Beach, VA. I got free prices from Progressive, Amica, and some I forget for my Suzuki and I’m now saving $44 a month.

  8. Jannet Kinney

    If you have a good history and live around Raleigh, NC, check out State Farm. They seem to be cheaper. Still almost need a second mortgage.

  9. Grisel Campos

    Cheap is relative. I’m in Lexington, KY. Compared quite a few companies. Saved darn near $30 a month. Allstate was the cheapest for me.