Cheaper 2013 Suzuki Grand Vitara Insurance Rates

Searching for cheaper insurance rates for your Suzuki Grand Vitara? No car owner likes having to buy insurance, especially knowing they are paying too much. Insurance companies such as Geico, Farmers Insurance and State Farm all promote huge savings with catchy ads and consumers find it hard to ignore the flying pigs and cute green geckos and find the best price available.

If you are insured now or need a new policy, you can follow these tips to shop for the lowest rates while maximizing coverage. Choosing the best insurance company for you is easy if you know what you’re doing. Vehicle owners just need to learn the best way to shop their coverage around over the internet.

Low cost insurance price quotes online

Finding a better price on insurance doesn’t have to be difficult. The only requirement is to spend a few minutes comparing rates online from several insurance companies. Rate comparisons can be done using one of these methods.

The most efficient way to get the best comparison quotes is a comparison rater form click here to open form in new window. This type of form eliminates the need for separate quote forms for every insurance company. In just a few minutes this one form will get you rate comparisons from insurance companies with the best prices.

Another way to compare rate quotes is to take the time to go to each company website and request a quote. For examples sake, let’s assume you want to compare prices for Farmers, Safeco and Liberty Mutual. To get each rate you have to spend time going to each site individually and type in your information over and over, which is why the first method is more popular. For a list of links to insurance companies in your area, click here.

The approach you take is up to you, just do your best to use apples-to-apples coverage limits for each comparison quote. If your comparisons have unequal deductibles or liability limits you will not be able to determine the best price for your Suzuki Grand Vitara.

The ad said I’d save $476 a year!

Drivers constantly see and hear ads for cheaper car insurance by companies like State Farm, Geico and Progressive. All the companies make an identical promise that you can save after switching to them.

How does every car insurance company save you money? Here is the trick they use.

Car insurance companies are able to cherry pick for the type of driver that earns them a profit. One example of a desirable insured might have to be a married female, has few claims, and drives less than 10,000 miles a year. Anyone who meets those qualifications will most likely get cheap premium rates and will also save a lot of money.

People who are not a match for these standards may be forced to pay higher premiums which translates to the customer buying from someone else. The wording the ads use say “drivers that switch” not “all people who quote” save that much money. That is how companies can truthfully claim big savings.

Each company has different criteria, so you need to get price quotes at each policy renewal. Because you never know which insurance companies will have the best auto insurance rates.

You may qualify for discounts

Companies don’t always list every discount in an easy-to-find place, so the following is a list of some of the best known as well as the least known credits available to you.

• Discount for Multiple Policies – When you have multiple policies with one insurance company you could earn a discount of up to 20% off your total premium.
• Home Ownership Discount – Being a homeowner may trigger a policy discount on auto insurance because it is proof that your finances are in order.
• Mature Driver Discount – If you qualify as a senior citizen, you may receive a small decrease in premiums for Grand Vitara insurance.
• Telematics Data Discounts – People who choose to allow driving data submission to analyze where and when they drive through the use of a telematics system like In-Drive from State Farm and Progressive’s Snapshot could see a rate decrease if they are good drivers.
• Passive Restraints and Air Bags – Options like air bags may qualify for discounts of up to 25% or more.
• Multi-line Discount – Larger auto insurance companies have a discounted premium rate on car insurance if you buy some life insurance too.
• Safe Drivers – Safe drivers may save up to 50% more for Grand Vitara insurance than drivers with accident claims.
• Multiple Cars – Buying coverage for primary and secondary vehicles on the same auto insurance policy qualifies for this discount.
• New Vehicle Savings – Adding a new car to your policy can save up to 30% compared to insuring an older model.

Discounts reduce rates, but you should keep in mind that many deductions do not apply to the entire cost. The majority will only reduce the price of certain insurance coverages like comp or med pay. So when the math indicates you can get free auto insurance, it just doesn’t work that way. But any discount will bring down your policy cost.

Auto insurance companies that have some of the above discounts may include but are not limited to:

• The Hartford
• American Family
• Progressive
• Travelers
• Farmers Insurance
• USAA
• Liberty Mutual

If you need inexpensive insurance quotes, ask each insurance company which discounts they offer. Discounts might not be offered in your area.

There’s no such thing as the perfect car insurance policy

When buying the right insurance coverage for your personal vehicles, there isn’t really a single plan that fits everyone. Every insured’s situation is different so your insurance should reflect that For example, these questions may help highlight whether you could use an agent’s help.

• Am I covered if I drive in a foreign country?
• Do I need to file an SR-22 for a DUI in my state?
• Why am I required to buy liability insurance?
• What is covered by UM/UIM coverage?
• Should I bundle my homeowners policy with my auto?
• How do I buy GAP insurance?
• Do I need rental car coverage?

If it’s difficult to answer those questions but you know they apply to you, you may need to chat with 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.

Learn about insurance coverages for a 2013 Suzuki Grand Vitara

Understanding the coverages of your policy can help you determine the right coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on most insurance policies.

Collision – This covers damage to your Grand Vitara from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision can pay for things like rolling your car, crashing into a building, hitting a mailbox and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

Coverage for liability – This coverage will cover damages or injuries you inflict on people or other property in an accident. This insurance protects YOU from legal claims by others. It does not cover damage sustained by your vehicle in an accident.

Liability coverage has three limits: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is one number which is a combined single limit which provides one coverage limit rather than limiting it on a per person basis.

Liability can pay for claims such as medical services, medical expenses, pain and suffering, court costs and structural damage. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Uninsured and underinsured coverage – Your UM/UIM coverage gives you protection from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include injuries sustained by your vehicle’s occupants as well as damage to your 2013 Suzuki Grand Vitara.

Since many drivers only carry the minimum required liability limits, their limits can quickly be used up. For this reason, having high UM/UIM coverages is a good idea. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Coverage for medical payments – Coverage for medical payments and/or PIP pay for bills like dental work, ambulance fees and doctor visits. The coverages can be used to fill the gap from your health insurance policy or if you are not covered by health insurance. They cover not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay

Comprehensive coverages – This coverage covers damage OTHER than collision with another vehicle or object. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive can pay for claims such as rock chips in glass, damage from getting keyed and damage from flooding. The maximum payout your insurance company will pay is the cash value of the vehicle, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Final thoughts

In this article, we covered many ways to reduce 2013 Suzuki Grand Vitara insurance rates online. It’s most important to understand that the more providers you compare, the higher the chance of saving money. Consumers could even find that the biggest savings come from a small mutual company. They may have significantly lower car insurance rates on certain market segments than the large multi-state companies such as Geico and State Farm.

When getting insurance quotes online, don’t be tempted to skimp on coverage in order to save money. Too many times, an insured dropped full coverage only to regret that the few dollars in savings costed them thousands. Your focus should be to purchase a proper amount of coverage at the best price, but don’t skip important coverages to save money.

More affordable auto insurance can be found from both online companies and from local agencies, and you need to price shop both in order to have the best chance of saving money. Some insurance companies may not have rate quotes online and most of the time these regional carriers prefer to sell through local independent agencies.

To learn more, take a look at the articles below:

• Child Safety Seats (Insurance Information Insitute)
• Smart Auto Insurance Tips (Insurance Information Insitute)
• Should I Buy a New or Used Car? (Allstate)
• Airbag FAQ (iihs.org)
• Eight Auto Insurance Myths (Insurance Information Insitute)
• Can I Drive Legally without Insurance? (Insurance Information Insitute)