2009 Suzuki Grand Vitara Insurance Rates – 9 Policy Discounts

Trying to find lower car insurance rates? Buyers have options when searching for low-cost Suzuki Grand Vitara insurance. They can either waste time calling around to compare prices or leverage the internet to compare rates. There is a right way and a wrong way to shop for car insurance so we’re going to tell you the proper way to compare rates on a Suzuki and get the best price possible.

If you have a policy now or are looking for a new policy, you will benefit by learning to find better prices and possibly find even better coverage. The purpose of this article is to let you in on how car insurance quotes work and some money-saving tips. Consumers just need to learn how to compare price quotes online.

These nine discounts can cut car insurance rates

Car insurance can be pricey, but you might be missing out on some discounts that you may not even know about. Certain credits will be shown when you purchase, but a few need to be inquired about before being credited.

  • Onboard Data Collection – Drivers that enable driving data submission to look at driving habits by using a small device installed in their vehicle like In-Drive from State Farm and Progressive’s Snapshot might get better premium rates as long as they are good drivers.
  • Driver Education Discount – Cut your cost by having your teen driver enroll in driver’s education as it will make them better drivers and lower rates.
  • One Accident Forgiven – This one is not really a discount per se, but certain companies will allow you to have one accident before hitting you with a surcharge if you have no claims prior to the accident.
  • Passive Restraint Discount – Vehicles equipped with air bags may qualify for discounts of 20% or more.
  • Good Grades Discount – Excelling in school can get you a discount of up to 25%. This discount can apply up until you turn 25.
  • ABS Brakes – Cars and trucks with ABS braking systems or traction control can avoid accidents and therefore earn up to a 10% discount.
  • New Car Discount – Insuring a vehicle that is new can be considerably cheaper compared to insuring an older model.
  • Senior Discount – If you’re over the age of 55, you could receive reduced rates on Grand Vitara coverage.
  • Employee of Federal Government – Active or former government employment may reduce rates when you quote auto insurance on Grand Vitara coverage with certain companies.

Policy discounts save money, but most credits do not apply to the entire cost. Some only reduce the cost of specific coverages such as physical damage coverage or medical payments. Despite the appearance that adding up those discounts means a free policy, that’s just not realistic.

A list of car insurance companies and a selection of discounts are included below.

  • State Farm may include discounts for good driver, accident-free, multiple autos, Steer Clear safe driver discount, and good student.
  • American Family offers premium reductions for air bags, mySafetyValet, accident-free, TimeAway discount, and good student.
  • AAA offers discounts including multi-car, AAA membership discount, anti-theft, education and occupation, multi-policy, and pay-in-full.
  • GEICO discounts include driver training, five-year accident-free, multi-vehicle, emergency military deployment, and multi-policy.
  • Mercury Insurance offers discounts for anti-theft, professional/association, type of vehicle, good student, annual mileage, accident-free, and good driver.
  • Farmers Insurance may offer discounts for alternative fuel, mature driver, early shopping, pay in full, good student, and distant student.
  • Progressive may have discounts that include online quote discount, good student, multi-vehicle, online signing, homeowner, and multi-policy.

Check with every company which credits you are entitled to. Depending on the company, some discounts may not be offered in your area.

How to get affordable car insurance

Finding a lower price on 2009 Suzuki Grand Vitara insurance is an easy way to save money. All you need to do is take the time comparing rates provided by online insurance companies. You can get a good selection of rate quotes in just a few minutes using one of these methods.

  • The most recommended method to get the best comparison quotes is an all-inclusive rate comparison like this one (opens in new window). This form keeps you from doing a different quote for every prospective company. One quote request will return price quotes from multiple companies.It’s the quickest way to get rates.
  • A more time consuming way to get quotes online requires a trip to the website for each individual company to request a price quote. For sake of this example, let’s assume you want to compare rates from Nationwide, Liberty Mutual and State Farm. You would need to visit each site and type in your information over and over, which explains why we recommend starting with the first method.

    For a handy list of car insurance company links in your area, click here.

However you get your quotes, make absolute certain that you use the exact same coverages and limits for each comparison quote. If you compare mixed coverages it will be next to impossible to make a fair rate comparison.

When do I need an agent’s advice?

When it comes to choosing the right insurance coverage for your personal vehicles, there is no “perfect” insurance plan. Each situation is unique.

For example, these questions may help highlight whether your personal situation may require specific advice.

  • Am I covered if my car is in a flood?
  • What is UM/UIM insurance?
  • Should I have combined single limit or split liability limits?
  • When would I need additional glass coverage?
  • Is my cargo covered for damage or theft?
  • How high should my medical payments coverage be?
  • Am I covered if I wreck a rental car?

If it’s difficult to answer those questions but you think they might apply to your situation, you might consider talking to a licensed agent. To find lower rates from a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can help protect your family.

Specific coverages for a Suzuki Grand Vitara

Having a good grasp of a insurance policy helps when choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Uninsured and underinsured coverage – This coverage protects you and your vehicle’s occupants from other motorists when they do not carry enough liability coverage. Covered losses include injuries to you and your family as well as damage to your Suzuki Grand Vitara.

Due to the fact that many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Comprehensive coverages – Comprehensive insurance will pay to fix damage that is not covered by collision coverage. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims such as a broken windshield, falling objects, hitting a bird and vandalism. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP provide coverage for immediate expenses like funeral costs, prosthetic devices, nursing services, surgery and doctor visits. They are often used in conjunction with a health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. PIP is not universally available but can be used in place of medical payments coverage

Collision – Collision insurance covers damage to your Grand Vitara caused by collision with another vehicle or an object, but not an animal. A deductible applies then the remaining damage will be paid by your insurance company.

Collision coverage pays for things such as crashing into a ditch, rolling your car, sideswiping another vehicle and hitting a mailbox. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. It’s also possible to choose a higher deductible to get cheaper collision coverage.

Coverage for liability – Liability insurance will cover damage or injury you incur to people or other property. It protects you from claims by other people, and doesn’t cover 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. Your policy might show liability limits of 25/50/25 which stand for $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like bail bonds, loss of income, medical services and pain and suffering. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Have money to burn

When you buy auto insurance online, it’s very important that you do not buy lower coverage limits just to save a few bucks. There have been many cases where consumers will sacrifice liability coverage limits and discovered at claim time that the few dollars in savings costed them thousands. Your strategy should be to buy the best coverage you can find for the lowest cost and still be able to protect your assets.

Drivers switch companies for many reasons like high rates after DUI convictions, being labeled a high risk driver, delays in responding to claim requests or even denial of a claim. It doesn’t matter what your reason, finding a new auto insurance company is not as hard as you think.

Some insurance providers may not offer price quotes online small, regional companies sell through independent insurance agencies. Cheaper auto insurance can be bought from both online companies and from local agencies, so compare prices from both to have the best chance of lowering rates.

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Comments About 2009 Suzuki Grand Vitara Insurance

  1. Dale Hale

    Cheap is relative. I live just to the north of Springfield, MA. Not sure of all the companies but I ended up saving about $50 each month.

  2. Dwayne Morales

    If you’re a decent driver and live around Tulsa, OK, check out Progressive. They seem to be cheaper. Was with Hanover. Switched homeowners coverage too.

  3. Ardath Collins

    From south side of Chicago, Illinois. Quoted rates from Travelers, Auto-Owners, Liberty Mutual, and Sentry for my Suzuki and I think I saved around $50 each month. Left AAA to switch. Switched homeowners coverage too. God forbid I actually have a claim.

  4. Florine Bishop

    Great info, thanks for posting. Live in the eastern part of Tucson, AZ. Can’t remember who all I quoted but I ended up saving about $30 each month. Left State Farm to switch.

  5. Aleisha Mosley

    It’s all a rip off. I live on the west side of Burlington, Vermont. Got car insurance rates from Progressive, Eastwood, and Hanover for my 2009 Suzuki Grand Vitara and I think I saved around $50 each month. Moved home policy as well. Still almost need a second mortgage.

  6. Elli Estrada

    Live in the southern part of Tucson, AZ. Can’t remember who all I quoted but I ended up saving about $50 each month. I get a discount for insuring multiple vehicles.

  7. Heriberto Underwood

    I got quite a few price quotes for a 2009 Suzuki Grand Vitara in Aberdeen, South Dakota. Ended up at roughly $520 every six months with Auto-Owners. I think they have home insurance too. You can get a rate quote online.

  8. Ignacia Fox

    Here’s what I found out. From Rapid City, SD. Quoted a bunch of companies. Saved darn near $20 a month. State Farm was the best choice for me. Was with 21st Century. :P

  9. Thu Riggs

    Do I have to have car insurance in Hawaii?

  10. Olga Rodgers

    Cheap is not always the best policy. Live in Baton Rouge, LA. I got free quotes from USAA, Auto-Owners, Liberty Mutual, and Nationwide for my 2009 Suzuki Grand Vitara and saved just over $510 a year. Was with Progressive. I’m a pretty good driver though.

  11. Tamekia Herman

    I live west of West Valley City, UT. I compared lots of rates. Saved right around $40 a month. State Farm was the cheapest for me. I have several vehicles insured with them. Can still barely afford it.

  12. Lizbeth Trevino

    Well-written and thought out article. I live in a small town just outside of Albuquerque, NM. Got prices from AIG Insurance, Safeco, and some smaller one I can’t remember the name of for my 2009 Suzuki Grand Vitara and I’m now saving $60 a month.

  13. Tameka Daniel

    I chose to switch to Allstate from Amica. I live in Fort Smith, AR. I have a couple other vehicles on the policy. Not sure if rates are cheaper online or not.

  14. Ellsworth Burton

    From a town just southwest of Kailua, Hawaii, and 21st Century rates were best.

  15. Alex Moses

    Live in the eastern part of Hilo, Hawaii. Quoted rates from AIG Insurance, Safeco, and Travelers for my Suzuki and I’m now saving $58 a month. I have several vehicles insured with them. I got a quote from their website.

  16. Lilliam Aguirre

    I live just to the east of Bridgeport, CT. Got rates from Amica, Mercury, and Western Auto Insurance for my 2009 Suzuki Grand Vitara and saved around $180 a year. Online quotes are the way to go.

  17. Hilma Battle

    Cheap is relative. I’m in Aurora, IL. I quoted with American Family, Sentry, and some smaller one I can’t remember the name of for my Suzuki and saved just over $550 a year. Left American Family to switch.