Save on 2003 Suzuki Grand Vitara Insurance Quotes

Want lower insurance rates for your Suzuki Grand Vitara? Confused by the dozens of insurance options? You’re not alone. Drivers have so many options that it can turn into a real hassle to locate the lowest price.

You need to check insurance prices before your policy renews because prices change frequently. Just because you found the best price for Grand Vitara insurance a year ago other companies may now be cheaper. Starting right now, block out anything you think you know about insurance because you’re about to learn the fastest and easiest way to lower your annual insurance bill.

How to Compare Car Insurance

To find the best car insurance prices, there are several ways of comparing price quotes and find the best price. The best way to find competitive 2003 Suzuki Grand Vitara insurance rates involves getting comparison quotes online. This is very easy and can be done in a couple of different ways.

One of the simplest ways consumers can make multiple comparisons is a comparison rater form (click to open form in new window). This form eliminates the need for multiple quote forms to each individual car insurance company. A single form will get you rate comparisons from car insurance companies with the best prices. This is perfect if you don’t have a lot of time.

Another way to get comparison quotes is going to each company’s website and complete a new quote form. For examples sake, let’s assume you want to compare State Farm, Farmers and Travelers. To get each rate you have to spend time on each company’s site and enter your policy data, which is why most consumers use the first method. For a list of links to insurance companies in your area, click here.

Whichever method you choose, make darn sure you compare exactly the same coverages for each price quote. If you use mixed coverages you can’t possibly determine which rate is truly the best. Quoting even small variations in insurance coverages could mean much higher rates. And when comparing car insurance rates, know that obtaining a wide range of quotes helps you find a lower rate.

Is my situation unique?

When buying adequate coverage for your vehicles, there is no “perfect” insurance plan. Everyone’s situation is a little different.

These are some specific questions might help in determining if your insurance needs could use an agent’s help.

• Am I covered when renting a car or should I buy coverage from the car rental agency?
• When would I need additional glass coverage?
• Am I covered if hit by an uninsured driver?
• Can my teen drive my company car?
• Can my teen driver be rated on a liability-only vehicle?
• Should I rate my 2003 Suzuki Grand Vitara as pleasure use or commute?

If you’re not sure about those questions but one or more may apply to you, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, complete this form.

Information about specific coverages

Having a good grasp of car insurance aids in choosing the best coverages and the correct deductibles and limits. Car insurance terms can be ambiguous and nobody wants to actually read their policy.

Collision coverages – Collision coverage pays for damage to your Grand Vitara resulting from colliding with another car or object. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision can pay for things such as damaging your car on a curb, driving through your garage door, crashing into a building, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so you might think about dropping it from vehicles that are older. It’s also possible to raise the deductible to get cheaper collision coverage.

Liability auto insurance – Liability insurance can cover injuries or damage you cause to other’s property or people that is your fault. This coverage protects you from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000. Occasionally you may see a combined limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as loss of income, emergency aid, funeral expenses, repair bills for other people’s vehicles and court costs. How much liability should you purchase? That is up to you, but buy as high a limit as you can afford.

Comprehensive (Other than Collision) – Comprehensive insurance coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as vandalism, a tree branch falling on your vehicle, falling objects, hitting a bird and fire damage. The maximum payout your car insurance company will pay is the actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Medical expense insurance – Med pay and PIP coverage pay for short-term medical expenses for things like funeral costs, X-ray expenses, nursing services, prosthetic devices and EMT expenses. The coverages can be used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not available in all states but can be used in place of medical payments coverage

Protection from uninsured/underinsured drivers – Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists either are underinsured or have no liability coverage at all. Covered claims include injuries to you and your family as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Usually your uninsured/underinsured motorist coverages are identical to your policy’s liability coverage.