2006 Suzuki Grand Vitara Insurance Quotes

Trying to come up with a payment for overpriced insurance coverage can empty your accounts and make it hard to pay other bills. Comparing cost estimates is free, only takes a few minutes, and is a good way to cut your insurance bill.

Companies like State Farm and GEICO all promote huge savings with advertising and it is challenging if not impossible to see past the corporate glitz and find the best price available.

If you are paying for car insurance now, you should be able to save some money using this strategy. Finding affordable coverage is not that difficult. But vehicle owners do need to understand the way insurance companies price insurance differently and apply this information to your search.

Discounts can really help save money

Buying car insurance is not cheap, but there may be some discounts to help offset the cost. Some discounts will apply at the time you complete a quote, but a few must be requested specifically before you will receive the discount.

  • Senior Citizen Discount – Drivers over the age of 55 could receive a small decrease in premiums on Grand Vitara insurance.
  • Telematics Discount – People who choose to allow driving data submission to study driving manner through the use of a telematics system like Drivewise from Allstate or In-Drive from State Farm could possibly reduce rates if they exhibit good driving behavior.
  • Theft Deterent Discount – Cars that have factory anti-theft systems have a lower chance of being stolen and can earn a small discount on your policy.
  • Service Members Pay Less – Having an actively deployed family member can result in better prices.
  • Sign Online – Many companies will give you a small discount for signing up on the internet.
  • Accident Forgiveness – This one isn’t a discount, but certain companies will forgive one accident before your rates go up if your claims history is clear for a particular time prior to the accident.
  • Air Bags and Passive Restraints – Vehicles with factory air bags or motorized seat belts can receive discounts of up to 25% or more.

Drivers should understand that most of the big mark downs will not be given to the entire policy premium. The majority will only reduce specific coverage prices like physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, that’s just not realistic. Any amount of discount should help reduce the premium cost.

A few of the larger companies and their possible discounts include:

  • State Farm offers discounts including student away at school, good driver, multiple policy, accident-free, anti-theft, and driver’s education.
  • GEICO has savings for good student, multi-vehicle, military active duty, multi-policy, and five-year accident-free.
  • Allstate may include discounts for anti-theft, teenSMART discount, anti-lock brakes, farm vehicle, and economy car.
  • SAFECO offers premium reductions for safe driver, anti-theft, multi-car, bundle discounts, homeowner, accident prevention training, and teen safe driver.
  • Farm Bureau discounts include safe driver, multi-vehicle, renewal discount, 55 and retired, and driver training.
  • Progressive includes discounts for multi-vehicle, homeowner, continuous coverage, multi-policy, and good student.
  • AAA has discounts for AAA membership discount, multi-policy, good driver, education and occupation, multi-car, pay-in-full, and anti-theft.

It’s a good idea to ask every company how many discounts you can get. Some credits might not apply in every state. To locate insurers who offer free car insurance quotes, click here to view.

How to compare auto insurance rate quotes

Most larger insurance companies like Progressive, GEICO, Allstate and State Farm allow consumers to get insurance quotes directly from their websites. Getting online quotes is pretty easy because it’s just a matter of typing in your required coverages into the form. Once you submit the form, the company’s rating system automatically orders reports for credit and driving violations and returns a price based on these factors. This makes comparing rates easy, but having to visit different websites and type in the same data is a big time waster. But it’s very important to compare as many rates as possible in order to get the best price on auto insurance.

A better way to compare auto insurance pricing utilizes a single form that gets prices from many companies. It’s a real time-saver, reduces the work, and makes price shopping online much easier. After sending the form, it gets priced and you can choose your choice of the quote results.

If a lower price is quoted, you can simply submit the application and purchase coverage. This process can be completed in a matter of minutes and can result in significant savings.

To quickly compare rates using this form now, simply click here to open in new window and input your coverage information. If you currently have coverage, we recommend you input the insurance coverages exactly as shown on your declarations page. This way, you will be getting a fair comparison for the exact same coverage.

Will just any policy work for me?

When it comes to choosing coverage for your vehicles, there is no single plan that fits everyone. Everyone’s needs are different and your policy should reflect that. These are some specific questions might help in determining whether you might need an agent’s assistance.

  • What companies insure drivers after a DUI or DWI?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • If my 2006 Suzuki Grand Vitara is totaled, can I afford another vehicle?
  • How can I force my company to pay a claim?
  • Am I covered if I crash into my own garage door?
  • Will filing a claim cost me more?
  • Do I need replacement cost coverage?
  • Why am I be forced to buy a membership to get insurance from some companies?

If you don’t know the answers to these questions but you know they apply to you, then you may want to think about talking to a licensed insurance agent. To find an agent in your area, take a second and complete this form or you can go here for a list of companies in your area.

Learn about car insurance coverages for a 2006 Suzuki Grand Vitara

Understanding the coverages of car insurance helps when choosing the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average car insurance policy.

Coverage for collisions

This covers damage to your Grand Vitara resulting from colliding with a stationary object or other vehicle. A deductible applies then the remaining damage will be paid by your insurance company.

Collision insurance covers claims like hitting a parking meter, colliding with another moving vehicle, colliding with a tree and sustaining damage from a pot hole. Paying for collision coverage can be pricey, so consider removing coverage from lower value vehicles. Drivers also have the option to raise the deductible to bring the cost down.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP kick in for expenses like X-ray expenses, doctor visits, prosthetic devices, dental work and EMT expenses. They are utilized in addition to your health insurance plan or if you lack health insurance entirely. Medical payments and PIP cover both the driver and occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is only offered in select states and may carry a deductible

UM/UIM (Uninsured/Underinsured Motorist) coverage

Your UM/UIM coverage protects you and your vehicle from other motorists when they do not carry enough liability coverage. This coverage pays for medical payments for you and your occupants and damage to your Suzuki Grand Vitara.

Due to the fact that many drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Frequently the UM/UIM limits are set the same as your liablity limits.

Comprehensive auto coverage

This coverage pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You need to pay your deductible first then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as theft, damage from flooding and hitting a deer. The maximum amount your car insurance company will pay is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability auto insurance

Liability insurance will cover damage or injury you incur to a person or their property in an accident. This coverage protects you from claims by other people, and does not provide coverage for your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You might see values of 100/300/100 that translate to $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Alternatively, you may have one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for claims like loss of income, emergency aid, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is your choice, but buy as high a limit as you can afford.

And the best car insurance company is…

While you’re price shopping online, don’t be tempted to buy poor coverage just to save money. There are a lot of situations where an insured cut collision coverage and found out when filing a claim that the small savings ended up costing them much more. The proper strategy is to find the BEST coverage for the lowest price, not the least amount of coverage.

Cheaper 2006 Suzuki Grand Vitara insurance can be sourced both online in addition to many insurance agents, so you should be comparing quotes from both to get a complete price analysis. A few companies may not provide online rate quotes and most of the time these regional carriers work with independent agents.

Helpful learning opportunities

Comments About 2006 Suzuki Grand Vitara Insurance

  1. Krysta Oliver

    I’ve bought from 21st Century forever. Cheapest rates in Nashua, NH.

  2. Lakita Gibson

    I got decent rates for a 2006 Suzuki Grand Vitara in Cranston, RI. Ended up at darn near $450 every six months with American Family. Insured with Encompass before.

  3. Rolland Weiss

    Not sure if this is cheap. Lifelong resident of Fort Smith, AR. I got free rates from Auto-Owners, Nationwide, and some smaller one I can’t remember the name of for my Suzuki and cut my rates about $520 a year. Have an at-fault accident tho.

  4. Rodrick Petersen

    Here’s my quote info. I live on the west side of Springfield, Massachusetts. I got free prices from Amica, MetLife, and Western Auto Insurance for my Grand Vitara and cut my rates about $510 a year. Was with Auto-Owners.

  5. Kala Holmes

    21st Century is decent in Bangor, Maine.

  6. Olympia Mcmillan

    Where is cheaper car insurance? I’m in the suburbs of Norfolk, Virginia. I don’t recall every quote but I ended up saving about $20 each month. Left Eastwood to switch. I recommend comparing lots of rates.

  7. Veronika Gamble

    From a town just southwest of Fairbanks, AK. Compared quite a few companies. Saved roughly $70 a month. Progressive was the cheapest for me. I increased coverages a little too. It’s still not cheap enough.

  8. Alysha Camacho

    If you have a good history and live around Knoxville, TN, check out GEICO. They seem to be cheaper. Not sure if rates are cheaper online or not.

  9. Barry Pate

    Lots of useful info here. I’m in the east part of Saint Paul, MN. Received quotes with Allstate, AIG Insurance, Encompass, and Hanover for my Grand Vitara and saved just over $550 a year. Insured with USAA before. They have a lot of discounts available.

  10. Audrie Olson

    If you don’t have tickets and live in the vicinity of Aurora, Colorado, check out GEICO. You might get cheaper rates. BTW speeding tickets are not good. :)

  11. Dorthea Gonzalez

    I found pretty cheap rate quotes for a 2006 Suzuki Grand Vitara in Idaho Falls, Idaho. Ended up at roughly $180 every six months with AAA. I even had a DUI years ago. Did it all online.

  12. Alethia Stone

    Enjoyed the article. From a town just southwest of Burlington, VT. Quoted with AAA, Eastwood, and Mercury for my 2006 Suzuki Grand Vitara and saved $478 a year. Can still barely afford it.

  13. Nita Banks

    What is comprehensive coverage?

  14. Beverlee Buck

    Checking in from Cleveland, OH. I got free quotes from AAA, Eastwood, and Sentry for my 2006 Suzuki Grand Vitara and saved just over $560 a year. I get a discount for insuring multiple vehicles.

  15. Beatriz Valentine

    I live in Kansas City, MO. Got quotes with American Family, Safeco, and a few others for my Suzuki and saved $235 a year. Was with American Family.

  16. Edmundo Charles

    If you have a clean record and live in the vicinity of Phoenix, AZ, check out 21st Century. I saved quite a bit. A clean driving record helps. Are quotes cheaper online?

  17. Staci Barron

    Lots of good stuff here. I’m in the suburbs of Omaha, NE. Went online for free insurance quotes for a 2006 Suzuki Grand Vitara. Ended up at about $220 savings annually. Went with Progressive. I get lower rates because of my clean driving record.

  18. Shannan Mayo

    I got quite a few price quotes for a 2006 Suzuki Grand Vitara in Augusta, GA. Ended up at right around $140 every six months with Amica.

  19. Donya Salas

    Are State Farm or State Farm rates cheaper in Rhode Island?

  20. Epifania Nelson

    If you don’t have tickets and live around Aurora, IL, check out Progressive. You might get cheaper rates.

  21. Birdie Rios

    Cheap car insurance? What’s that? I’m in Reno, NV. Don’t remember every company but I ended up saving about $30 each month. I increased coverages a little too. Get lots of quotes to find the best rate.