2001 Suzuki Grand Vitara Car Insurance Rates

Trying to find the cheapest car insurance rates for your Suzuki Grand Vitara? Sick and tired of trying to scrape together enough money to pay your car insurance bill each month? You are no different than most other car owners. Drivers have multiple insurers to pick from, and even though it’s nice to be able to choose, it can be more difficult to find a good deal.

Finding affordable insurance coverage is quite easy. If you are insured now or need a new policy, you can use these techniques to find the best rates while maintaining coverages. Drivers just need to understand the tricks to shop their coverage around online.

Factors that can influence Suzuki Grand Vitara insurance rates

Smart consumers have a good feel for some of the elements that help determine the rates you pay for auto insurance. When you know what positively or negatively impacts premium levels helps enable you to make changes that could result in better auto insurance rates.

  • Being married is a good thing – Being married actually saves money on your auto insurance policy. It translates into being more responsible and it’s proven that married drivers get in fewer accidents.
  • Don’t sacrifice liability coverage – Your policy’s liability coverage is the coverage that protects you if ever you are found liable for causing damage or personal injury in an accident. It will provide legal defense starting from day one. This coverage is very inexpensive as compared to coverage for physical damage, so do not skimp.
  • Never let your coverage lapse – Letting your insurance expire is a sure-fire way to bump up your auto insurance costs. And not only will your rates increase, getting caught without coverage may earn you a license revocation or jail time.You may need to file a SR-22 with your state department of motor vehicles.
  • Do you know your deductibles? – The deductibles represent how much money you are willing to pay if you file a covered claim. Coverage for physical damage, commonly called comprehensive (or other-than-collision) and collision coverage, covers damage that occurs to your car. A few examples of covered claims would be colliding with a building, collision with an animal, or theft. The higher the amount you have to pay, the bigger discount you will receive for Grand Vitara coverage.
  • Men pay higher rates – Statistics demonstrate that women are safer drivers than men. That doesn’t necessarily mean that men are WORSE drivers than women. Women and men tend to get into accidents in similar numbers, but the males cause more damage. They also get cited for more serious violations such as reckless driving. Teenage male drivers are the most expensive to insure and therefore have the most expensive auto insurance rates.
  • Do you work long hours in a high stress job? – Did you know your occupation can influence how much you pay for auto insurance? Occupations such as real estate brokers, social workers and financial analysts have higher average rates because of high stress levels and long work hours. Conversely, occupations such as actors, engineers and homemakers get better rates for Grand Vitara coverage.
  • Big city or small town – Choosing to live in a rural area can be a good thing when buying auto insurance. Less people living in that area means reduced accidents and a lower car theft rate. Drivers in populated areas tend to have much more traffic to deal with and a longer drive to work. Longer commute distances translates into higher accident risk.

Pay less for 2001 Suzuki Grand Vitara insurance

Insuring your vehicles can cost a lot, but you may find discounts that you may not know about. Some discounts apply automatically at the time of quoting, but less common discounts must be specially asked for prior to getting the savings. If you’re not getting every credit you qualify for, you are throwing money away.

  • Bundle and Save – If you insure your home and vehicles with one company you will save at least 10% off all policies.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
  • Save over 55 – If you qualify as a senior citizen, you can possibly qualify for a discount up to 10% for Grand Vitara coverage.
  • Auto/Life Discount – Some companies give a break if you buy auto and life insurance together.
  • Driver’s Ed – Make teen driver coverage more affordable by requiring them to complete a driver education course in high school.
  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and earn discounts up to 10%.
  • Safety Course Discount – Completing a course in driver safety could save 5% or more depending on where you live.
  • Federal Employees – Active or retired federal employment can save as much as 8% for Grand Vitara coverage with a few car insurance companies.
  • Drive Safe and Save – Drivers who don’t get into accidents may receive a discount up to 45% less for Grand Vitara coverage than drivers with accidents.
  • Discount for New Cars – Putting insurance coverage on a new car can be considerably cheaper since new cars are generally safer.

Keep in mind that most discounts do not apply to the overall cost of the policy. Most only apply to the cost of specific coverages such as collision or personal injury protection. So when it seems like having all the discounts means you get insurance for free, companies wouldn’t make money that way. But any discount will reduce your overall premium however.

To see a list of providers who offer car insurance discounts, click this link.

Save $440 a year. For real?

Drivers get pounded daily by advertisements for car insurance savings by companies like State Farm, Geico and Progressive. They all have a common claim that you’ll save big if you switch to them.

How does each company say the same thing?

All the different companies have a certain “appetite” for the driver that makes them money. For instance, a desirable insured might be over the age of 40, owns a home, and has excellent credit. A driver who matches those parameters is entitled to the best price and most likely will save when they switch companies.

Potential customers who fall outside this ideal profile must pay higher prices which usually ends up with the customer not buying. Company advertisements say “customers who switch” not “people who quote” save that kind of money. This is how companies can truthfully advertise the savings.

This illustrates why you need to get as many comparisons as possible. It’s just too difficult to predict the company that will have the lowest Suzuki Grand Vitara insurance rates.

Tailor your coverage to you

When choosing adequate coverage, there is no “perfect” insurance plan. Everyone’s situation is unique and a cookie cutter policy won’t apply. Here are some questions about coverages that might point out whether or not you will benefit from professional help.

  • Do I need PIP (personal injury protection) coverage in my state?
  • Am I covered if I drive in a foreign country?
  • Am I covered when driving a rental car?
  • What discounts do I qualify for?
  • Is my nanny covered when driving my vehicle?
  • What is no-fault insurance?
  • Can I still get insurance after a DUI?
  • Why am I required to buy liability insurance?
  • Do I need replacement cost coverage?
  • Is upholstery damage covered by car insurance?

If you can’t answer these questions but a few of them apply then you might want to talk to an insurance agent. To find an agent in your area, complete this form or go to this page to view a list of companies. It is quick, free and you can get the answers you need.

Auto insurance coverages

Understanding the coverages of insurance aids in choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and reading a policy is terribly boring. Below you’ll find the normal coverages found on the average insurance policy.

Liability

Liability coverage protects you from damage that occurs to a person or their property by causing an accident. It protects you from claims by other people, and doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 50/100/50 that means you have $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. Alternatively, you may have one limit called combined single limit (CSL) which provides one coverage limit rather than limiting it on a per person basis.

Liability coverage protects against things like medical expenses, pain and suffering, emergency aid and structural damage. The amount of liability coverage you purchase is a decision to put some thought into, but it’s cheap coverage so purchase as high a limit as you can afford.

Collision coverage

This coverage will pay to fix damage to your Grand Vitara from colliding with another vehicle or an object, but not an animal. You first must pay a deductible and then insurance will cover the remainder.

Collision coverage pays for claims like scraping a guard rail, colliding with another moving vehicle, sustaining damage from a pot hole, damaging your car on a curb and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from lower value vehicles. Another option is to choose a higher deductible to bring the cost down.

Coverage for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses such as prosthetic devices, chiropractic care, funeral costs, dental work and nursing services. They can be utilized in addition to your health insurance policy or if you do not have health coverage. It covers all vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and may carry a deductible

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered losses include hospital bills for your injuries as well as your vehicle’s damage.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.

Comprehensive coverages

This pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage pays for things such as hitting a bird, hail damage, vandalism and damage from getting keyed. The highest amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

More effort can pay off

We just covered many tips how you can compare 2001 Suzuki Grand Vitara insurance prices online. The most important thing to understand is the more providers you compare, the higher the chance of saving money. You may be surprised to find that the best prices are with a small local company. Regional companies may cover specific market segments cheaper as compared to the big name companies such as State Farm, Geico and Nationwide.

As you prepare to switch companies, it’s not a good idea to skimp on coverage in order to save money. There are a lot of situations where someone sacrificed physical damage coverage only to discover later that a couple dollars of savings turned into a financial nightmare. The ultimate goal is to buy a smart amount of coverage at the best price while still protecting your assets.

The cheapest insurance can be found from both online companies and with local insurance agents, and you should be comparing both in order to have the best chance of saving money. Some insurance providers do not offer you the ability to get quotes online and many times these small, regional companies only sell through independent insurance agents.

More information is located at the links below