Cheap 2012 Suzuki Grand Vitara Insurance Cost

Finding lower premiums on insurance coverage can be a challenge for consumers new to comparing rates online. There are so many companies to choose from that it can easily become a lot of work to find the best price.

Compare the Market for Auto Insurance

There are several ways you can shop for Suzuki Grand Vitara auto insurance and some are more efficient than others. You can waste hours talking about coverages with agents in your area, or you can stay home and use the web to get rates in a matter of minutes.

Many companies are enrolled in a marketplace that allows shoppers to enter their policy data once, and each company can give them a price for coverage. This eliminates the need for repetitive form submissions for each company.

To access this free quoting program, click to open in new window.

The one disadvantage to comparing rates this way is buyers cannot specifically choose which carriers you will receive quotes from. If you wish to select specific providers to compare rates, we have assembled a list of the cheapest auto insurance companies in your area. Click here to view list.

It doesn’t matter which method you choose, just compare apples-to-apples information on every quote you get. If you have different limits and deductibles on each one it’s not possible to determine the lowest rate for your Suzuki Grand Vitara. Just a small difference in coverages can make a big difference in price. And when quoting auto insurance, remember that having more price comparisons helps you find the best price.

When might I need an agent?

When it comes to choosing proper insurance coverage for your vehicles, there really is not a one size fits all plan. Every situation is different.

These are some specific questions might help in determining if you would benefit from an agent’s advice.

• What is no-fault insurance?
• Do all my vehicles need collision coverage?
• Is my 2012 Suzuki Grand Vitara covered for smoke damage?
• Does coverage extend to a rental car in a foreign country?
• What is roadside assistance coverage?
• Are rental cars covered under my policy?
• Am I covered when pulling a rental trailer?
• How high should deductibles be on a 2012 Suzuki Grand Vitara?
• Does having multiple vehicles earn me a discount?

If you’re not sure about those questions but you know they apply to you, you might consider talking to a licensed agent. If you don’t have a local agent, take a second and complete this form.

Insurance coverages 101

Having a good grasp of your insurance policy can be of help when determining the right coverages for your vehicles. The coverage terms in a policy can be confusing and nobody wants to actually read their policy.

Comprehensive insurance

Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for things such as hail damage, hitting a deer and damage from a tornado or hurricane. The highest amount your insurance company will pay is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider dropping full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage provides protection from other motorists when they either are underinsured or have no liability coverage at all. It can pay for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Usually these limits are identical to your policy’s liability coverage.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for immediate expenses such as pain medications, doctor visits, funeral costs and prosthetic devices. The coverages can be utilized in addition to your health insurance program or if you lack health insurance entirely. It covers both the driver and occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not universally available but can be used in place of medical payments coverage

Liability insurance

This coverage will cover damage or injury you incur to a person or their property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your injuries or vehicle damage.

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 values of 100/300/100 which stand for a limit of $100,000 per injured person, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery. Another option is one number which is a combined single limit that pays claims from the same limit and claims can be made without the split limit restrictions.

Liability can pay for claims like loss of income, medical services, repair costs for stationary objects, attorney fees and funeral expenses. How much coverage you buy is your choice, but you should buy as large an amount as possible.

Collision protection

Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for things such as backing into a parked car, colliding with another moving vehicle, damaging your car on a curb, rolling your car and sustaining damage from a pot hole. This coverage can be expensive, so consider removing coverage from vehicles that are older. It’s also possible to bump up the deductible to save money on collision insurance.