Cheaper 2010 Suzuki Grand Vitara Insurance Quotes

Do you think you bought an expensive insurance coverage policy? Trust us when we tell you many drivers have buyer’s remorse.

Companies like Progressive, GEICO and Farmers Insurance constantly bombard you with fancy advertisements and it is challenging if not impossible to see through the cute green geckos and mayhem and take the time to shop coverage around.

Consumers should take time to price shop coverage every six months because insurance coverage prices change regularly. Even if you think you had the lowest rates on Grand Vitara coverage at your last renewal you may be paying too much now. Block out anything you think you know about insurance coverage because I’m going to teach you the right way to save on insurance coverage.

If you currently have car insurance, you stand a good chance to be able to save some money using this information. Buying car insurance is quite easy. Although vehicle owners must know how big insurance companies price online insurance.

Compare insurance coverage rates

There are a lot of ways you can shop for insurance coverage and some are less time-consuming than others. You could spend your day driving to insurance agencies in your area, or you can utilize the web to accomplish the same thing much quicker.

Many popular insurance companies belong to an insurance system where insurance shoppers complete one form, and at least one company can give them a price based on the submitted data. This eliminates the need for repetitive form submissions to every company.

To find out what other companies charge click here to start a free quote.

The only downside to pricing coverage this way is you can’t choose the insurers to receive prices from. If you would rather choose from a list of companies to compare, we have a page of the cheapest insurance coverage companies in your area. Click here to view list.

Whichever method you choose, make sure you compare nearly identical coverages and limits for every company. If your comparisons have unequal deductibles or liability limits it will be very difficult to determine which rate is truly the best. Just a small difference in insurance coverages may cause a big price difference. And when comparison shopping, obtaining a wide range of quotes increases your odds of finding the best offered rates.

Lower rates by qualifying for discounts

Auto insurance is easily one of your largest bills, but you might already qualify for some discounts to help offset the cost. Some discounts will apply at the time of purchase, but occassionally some discounts must be requested specifically before you get the savings. If you do not check that you are getting every discount available, you’re paying more than you need to.

  • Discounts for Seat Belt Usage – Forcing all vehicle occupants to buckle up before driving can save up to 10 percent (depending on the company) off the medical payments premium.
  • Senior Citizen Discount – Drivers over the age of 55 may receive a slight reduction on a car insurance quote on Grand Vitara coverage.
  • Employee of Federal Government – Being employed by or retired from a federal job may qualify for a discount when you quote car insurance on Grand Vitara coverage with certain companies.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course if offered at their school.
  • Military Discounts – Being deployed with a military unit could qualify you for better prices.
  • Air Bags and Passive Restraints – Cars that have air bags can get savings of 20% or more.
  • Pay Early and Save – By paying your entire bill at once rather than paying monthly you could save 5% or more.
  • New Car Discount – Insuring a new car is cheaper because new model year vehicles keep occupants safer.
  • Fewer Miles Equal More Savings – Driving less could qualify for lower prices on the low mileage vehicles.

As is typical with insurance, some of the credits will not apply to all coverage premiums. Some only reduce the price of certain insurance coverages like liability, collision or medical payments. So even though they make it sound like you could get a free auto insurance policy, it just doesn’t work that way.

The best auto insurance companies and some of the premium reductions they offer are detailed below.

  • GEICO has savings for seat belt use, five-year accident-free, multi-vehicle, good student, and anti-lock brakes.
  • MetLife offers premium reductions for defensive driver, claim-free, accident-free, good student, and good driver.
  • State Farm may include discounts for multiple autos, accident-free, defensive driving training, safe vehicle, Drive Safe & Save, and good driver.
  • Progressive has discounts for homeowner, good student, continuous coverage, online quote discount, and multi-vehicle.
  • Mercury Insurance policyholders can earn discounts including professional/association, type of vehicle, location of vehicle, anti-theft, and annual mileage.
  • 21st Century offers discounts for teen driver, air bags, driver training, good student, automatic seat belts, and homeowners.
  • Allstate may offer discounts for utility vehicle, resident student, EZ pay plan discount, new car, and safe driver.

When comparing rates, check with every insurance company which discounts you may be entitled to. Savings may not apply to policyholders everywhere. To view insurance companies that offer the discounts shown above, click this link.

Auto insurance is unique, just like you

When choosing adequate coverage, there really is not a “best” method to buy coverage. Every insured’s situation is different so this has to be addressed. Here are some questions about coverages that might point out whether or not you will benefit from professional help.

  • How high should my uninsured/underinsured coverage be in my state?
  • Where can I find high-risk insurance?
  • Does coverage extend to my business vehicle?
  • What is the ISO rating for a 2010 Suzuki Grand Vitara?
  • Are split liability limits better than a combined single limit?
  • What is roadside assistance coverage?
  • Is upholstery damage covered by car insurance?
  • Are my friends covered when driving my 2010 Suzuki Grand Vitara?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an agent. If you don’t have a local agent, complete this form or click here for a list of auto insurance companies in your area.

Insurance policy coverages for a Suzuki Grand Vitara

Knowing the specifics of your policy aids in choosing which coverages you need at the best deductibles and correct limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are the usual coverages found on the average insurance policy.

Medical payments and PIP coverage

Coverage for medical payments and/or PIP pay for immediate expenses for prosthetic devices, ambulance fees, hospital visits and surgery. They are often used to cover expenses not covered by your health insurance plan or if you lack health insurance entirely. It covers not only the driver but also the vehicle occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but can be used in place of medical payments coverage

UM/UIM (Uninsured/Underinsured Motorist) coverage

This protects you and your vehicle when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for injuries sustained by your vehicle’s occupants and damage to your Suzuki Grand Vitara.

Due to the fact that many drivers only carry the minimum required liability limits, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is a good idea. Most of the time these limits are set the same as your liablity limits.

Auto collision coverage

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

Collision insurance covers claims like sustaining damage from a pot hole, rolling your car 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 older. You can also choose a higher deductible in order to get cheaper collision rates.

Coverage for liability

Liability insurance provides protection from damage that occurs to people or other property by causing an accident. This insurance protects YOU against other people’s claims, and doesn’t cover damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have policy limits of 50/100/50 which means $50,000 in coverage for each person’s injuries, a total of $100,000 of bodily injury coverage per accident, and property damage coverage for $50,000. Occasionally you may see a combined single limit or CSL which combines the three limits into one amount and claims can be made without the split limit restrictions.

Liability insurance covers things like loss of income, medical expenses, medical services and court costs. How much coverage you buy is a decision to put some thought into, but buy as high a limit as you can afford.

Comprehensive auto coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for claims like hail damage, hitting a deer, falling objects, theft and damage from a tornado or hurricane. The maximum amount your insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Comments About 2010 Suzuki Grand Vitara Insurance

  1. Cordelia Haley

    What are minimum liability limits required in Texas?

  2. Renee Hendricks

    Lots of useful info here. Got a quote with Progressive for my Grand Vitara and saved about $520 a year. Left AIG Insurance to switch.

  3. Candi Summers

    Checking in from Dallas, Texas. Don’t remember every company but I ended up saving about $20 each month. Left Encompass to switch. Highly recommended.

  4. Brook Myers

    Checking in from Lincoln, Nebraska. Got prices from Auto-Owners, Farmers, and Mercury for my Suzuki and saved $413 a year.

  5. Kaila Ramos

    What is comprehensive coverage?

  6. Travis Mcbride

    I live in a small town just outside of Eugene, OR. Quoted quotes with AAA, Nationwide, and Travelers for my 2010 Suzuki Grand Vitara and saved $521 a year. Was with Liberty Mutual. Switched homeowners coverage too. Did it all online.

  7. Hae Huff

    I’m in Juneau, AK. Got free quotes online for a 2010 Suzuki Grand Vitara. Ended up at about $240 savings annually. Went with Allstate. I get lower rates because of my clean driving record. Get lots of quotes to find the best rate.

  8. Lady Olson

    Lots of useful info here. I live south of New Haven, CT. I quoted with AIG Insurance, Erie, and MetLife for my Grand Vitara and saved just over $490 a year. Was with American Family. I think they have home insurance too. You can get a rate quote online.

  9. Deeanna Emerson

    If you don’t have tickets and are close to Boise, ID, check out State Farm. I saved quite a bit. Left State Farm to switch.

  10. Alayna Gamble

    Will GEICO do a SR22 in Utah?

  11. Josefina Blanchard

    Corporate greed I’m telling you. I live on the east side of Anchorage, Alaska. Don’t remember every company but I ended up saving about $40 each month. I get lower rates because of my clean driving record. LOL

  12. Leda English

    In Fort Wayne, IN, State Farm is a good choice. Hardly afford to drive anymore.

  13. Jimmie Zamora

    Nice info. I’m in the suburbs of Aurora, Colorado. Received quotes with GEICO, Amica, Encompass, and Hanover for my 2010 Suzuki Grand Vitara and saved just over $260 a year.

  14. Jc Summers

    Does Progressive offer multi-policy discounts?

  15. Enda Edwards

    Will 21st Century raise rates if I file a claim?

  16. Tenisha Meyer

    Any claims experience with GEICO in Biloxi, MS?

  17. Charita Foster

    I’m in the south part of Fairbanks, AK. Received rates from Amica, Sentry, and some smaller one I can’t remember the name of for my Grand Vitara and am saving around $450 a year. I even had a DUI years ago. It never hurts to quote around.