Compare 2007 Suzuki Grand Vitara Car Insurance Cost

Having to pay for expensive insurance can drain your savings and force you to make tough financial choices. People have many insurers to choose from, and although it’s nice to have a selection, it can be more challenging to compare rates.

The purpose of this post is to introduce you to how to get online quotes and some tips to save money. If you are paying for car insurance now, you should be able to lower your premiums substantially using these techniques. Vehicle owners only need an understanding of the proper methods to get comparison rates online.

How much is insurance?

There are a lot of ways to compare insurance quotes, but one way is less labor-intensive and much quicker. You can waste a few hours (or days) talking about coverages with insurance companies in your area, or you can utilize online quoting to quickly compare rates.

Many insurance companies take part in a program that enables customers to only type in their quote data once, and at least one company then returns a price quote based on that information. This prevents consumers from doing quotation requests to each company.

To access this free quoting program, click here to open in new window.

One minor caviat to getting quotes like this is you are unable to specify which insurance companies you want to price. So if you prefer to pick individual companies to compare, we have a page of the cheapest insurance companies in your area. View list of insurance companies.

It’s up to you which method you use, but double check that you are using the same coverage limits and deductibles on every quote. If you enter unequal deductibles or liability limits it’s impossible to make a fair comparison for your Suzuki Grand Vitara.

Discount insurance coverage quotes

Companies that sell car insurance don’t list every disount available in a way that’s easy to find, so the list below details both the well known and the harder-to-find insurance coverage savings.

• Drivers Education – Require your teen driver to successfully complete driver’s ed class as it can save substantially.
• Resident Student – Kids who live away from home to go to college and do not have access to a covered vehicle may be able to be covered for less.
• Early Switch Discount – Some companies provide a discount for signing up prior to your current policy expiration. You could save around 10% when you buy auto insurance online.
• Good Grades Discount – Excelling in school may save you up to 25%. This discount can apply up to age 25.
• No Accidents – Insureds with no claims or accidents have much lower rates as opposed to policyholders that have many claims.
• Passenger Safety Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings of 25 to 30%.
• Senior Citizen Rates – Drivers that qualify as senior citizens may be able to get a small discount on rates for Grand Vitara coverage.

A little disclaimer on discounts, most discount credits are not given to your bottom line cost. Some only apply to specific coverage prices like collision or personal injury protection. So when the math indicates it’s possible to get free car insurance, you’re out of luck.

Some companies that may have some of the discounts shown above are:

• American Family
• State Farm
• 21st Century
• Travelers
• Geico

Double check with each company or agent how you can save money. All car insurance discounts may not apply to policies in your area. If you would like to choose from a list of insurance companies who offer cheap insurance coverage quotes, click here.

Tailor your auto insurance coverage to you

When it comes to buying adequate coverage, there is no one size fits all plan. Everyone’s situation is a little different and your policy should reflect that. For instance, these questions may help highlight whether your personal situation might need professional guidance.

• What is the rate difference between pleasure use and commuting?
• Does insurance cover tools stolen from my truck?
• Does my policy cover my teen driver if they drive my company car?
• Is rental equipment covered for theft or damage?
• Can I rent a car in Mexico?
• Will my vehicle be repaired with OEM or aftermarket parts?

If it’s difficult to answer those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, complete this form or you can go here for a list of companies in your area. It is quick, free and you can get the answers you need.

Smart consumers can cut their insurance premiums

Smart consumers have a good feel for a few of the rating criteria that come into play when calculating auto insurance rates. If you understand what impacts premium levels, this helps enable you to make changes that may result in lower premium levels. Many things are considered when you get your auto insurance bill. Some are obvious like a motor vehicle report, but other factors are more transparent such as your credit history or your vehicle rating.

• Teen drivers pay more – Beginning drivers are known to be easily distracted when at the wheel of a vehicle so they pay higher auto insurance rates. Older insureds are more responsible, file fewer claims , and usually have better credit.
• Vocation reflects on rates – Did you know your auto insurance rates can be affected by your occupation? Occupational choices like military generals, architects and stock brokers usually pay higher rates than average attributed to intense work requirements and incredibly demanding work hours. On the other hand, occupations like farmers, engineers and homemakers get better rates for Grand Vitara coverage.
• Fewer miles means better costs – Driving a lot of miles every year the more you will pay for auto insurance. Most companies calculate rates based upon how much you drive. Vehicles that have low annual miles can be on a lower rate level than those used for commuting. An incorrectly rated Grand Vitara may be costing you higher rates. Ask your agent if your auto insurance policy reflects the proper vehicle usage.
• Can a thief steal your car? – Buying a car with a theft deterrent system can save you a little every year. Advanced theft deterrents such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar can help prevent your car from being stolen.
• Never allow your policy to lapse – Allowing your coverage to lapse can be a sure-fire way to increase your rates. In addition to paying higher premiums, the inability to provide proof of insurance can result in a revoked license or a big fine. You may need to prove you have insurance by filing a SR-22 with your state motor vehicle department.
• How many coverages with the same company – Many insurance companies will award discounts to policyholders who consolidate policies with them in the form of a multi-policy discount. If you currently are using one company, you may still want to compare rates to help guarantee you have the best rates.
• Vehicles with better crash test results save money – Safer cars get lower rates. The safest vehicles help reduce the chance of injuries in an accident and any reduction in injury severity means less claims paid and thus lower rates. If your Suzuki Grand Vitara has at least an “acceptable” rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
• Gals tend to be lower risk – Statistics have proven women tend to be less risk to insure than men. This data doesn’t prove that females are better at driving than males. Both genders are in fender benders at a similar rate, but the male of the species have accidents that have higher claims. Not only are claims higher, but men receive more major tickets like DWI (DUI) or reckless driving. Young males are the most expensive to insure and are penalized with high auto insurance rates.

Save 15 percent in 15 minutes? Is it for real?

Consumers constantly see and hear ads that claim the best car insurance rates from the likes of Geico, State Farm and Progressive. All the companies make the point that you can save if you get a free auto insurance quote and switch your policy.

But how can every company have lower policy pricing? Here is the trick they use.

All the different companies offer their best rates for the right customer that will most likely be profitable. An example of this type of risk profile might be over the age of 50, has a clean driving record, and drives a car with an anti-theft system. Anyone who matches those parameters gets the lowest premium rates and most likely will pay quite a bit less when switching companies.

Potential customers who fall short of this stringent profile will get higher premiums which results in the driver buying from a lower-cost company. The wording the ads use say “drivers who switch” not “everyone that quotes” save that much. That’s the way insurance companies can confidently advertise the way they do.

Because every company is different, it’s extremely important to compare rate quotes every year. It’s just too difficult to predict which insurance coverage company will have the best premium rates.

Coverages available on your insurance policy

Understanding the coverages of your insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be impossible to understand and coverage can change by endorsement. Below you’ll find typical coverage types found on most insurance policies.

Liability coverage

This can cover injuries or damage you cause to other people or property by causing an accident. It protects YOU against claims from other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. As an example, you may have liability limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property. Some companies may use a combined limit which provides one coverage limit and claims can be made without the split limit restrictions.

Liability coverage pays for claims like emergency aid, structural damage, court costs, medical expenses and attorney fees. The amount of liability coverage you purchase is up to you, but you should buy as high a limit as you can afford.

Med pay and Personal Injury Protection (PIP)

Medical payments and Personal Injury Protection insurance pay for immediate expenses such as EMT expenses, ambulance fees, hospital visits and prosthetic devices. They can be 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 as well as 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

Uninsured/Underinsured Motorist (UM/UIM)

This protects you and your vehicle’s occupants from other motorists when they either have no liability insurance or not enough. This coverage pays for injuries to you and your family as well as damage to your Suzuki Grand Vitara.

Since a lot of drivers carry very low liability coverage limits, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family. Normally your uninsured/underinsured motorist coverages are set the same as your liablity limits.

Comprehensive insurance

This coverage pays for damage OTHER than collision with another vehicle or object. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive can pay for things like hitting a deer, fire damage, theft and a broken windshield. The maximum payout your insurance company will pay is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Collision coverage

This pays to fix your vehicle from damage resulting from a collision with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.

Collision coverage protects against things like sideswiping another vehicle, crashing into a building, hitting a parking meter and damaging your car on a curb. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. Another option is to bump up the deductible to bring the cost down.

Coverage on a shoestring budget

We covered quite a bit of information on how to get a better price on 2007 Suzuki Grand Vitara insurance. The most important thing to understand is the more price quotes you have, the higher your chance of finding low cost auto insurance. Drivers may discover the best price on auto insurance is with a small local company. Regional companies may often insure only within specific states and give getter rates compared to the large companies like State Farm or Progressive.

Low-cost 2007 Suzuki Grand Vitara insurance is attainable from both online companies in addition to local insurance agencies, and you need to comparison shop both in order to have the best chance of saving money. Some insurance companies may not offer price quotes online and many times these small, regional companies work with local independent agents.

When searching for low cost auto insurance quotes, do not reduce coverage to reduce premium. Too many times, someone dropped comprehensive coverage or liability limits and found out when filing a claim they didn’t purchase enough coverage. Your strategy should be to purchase a proper amount of coverage at the best price, not the least amount of coverage.

Much more information about auto insurance is located at these links:

• Car Insurance FAQ (Trusted Choice)
• Drunk Driving Statistics (Insurance Information Insitute)
• What Does No-Fault Insurance Cover? (Allstate)
• Insurance Losses by Make and Model (iihs.org)