Cheaper 2004 Suzuki Grand Vitara Insurance Rates

Sick and tired of being strong-armed to pay your car insurance bill each month? You are in the same boat as millions of other consumers.

You have multiple insurers to buy insurance from, and though it is a good thing to have multiple companies, lots of choices makes it harder to find the best rates for your vehicles.

It’s important to compare prices once or twice a year because rates trend upward over time. Even if you got the lowest price on Grand Vitara insurance two years ago there may be better deals available now. Block out anything you think you know about auto insurance because you’re about to find out the quickest way to reduce your cost while improving coverage.

Cheap Auto Insurance Comparisons

To find the best auto insurance prices, there are several ways to compare rate quotes and find the best price. The fastest way to compare 2004 Suzuki Grand Vitara insurance prices is to use the internet to compare rates. It is quite easy and can be accomplished in several different ways.

The most efficient way to find the lowest comparison rates is an all-inclusive rate comparison click to view form in new window. This type of form prevents you from having to do boring form submissions for each company. Just one form will get you rate comparisons from multiple low-cost companies.

A more difficult way to compare prices is going to each individual company website and request a quote. For instance, let’s assume you want comparison quotes from Nationwide, 21st Century and Farmers. You would have to take the time to go to each site and enter your information, which is why the first method is more popular.

For a list of links to insurance companies in your area, click here.

The least efficient way to compare rates is to drive around to local insurance agencies. The ability to buy insurance online makes this process obsolete unless you require the personal advice only provided by licensed agents. It is possible to get prices online but buy from a local insurance agent and you’ll learn how to do that later.

It doesn’t matter which method you choose, just make sure you use apples-to-apples coverage information with every price quote. If you use different deductibles it will be very difficult to truly determine the lowest rate. Slightly different coverages can result in a big premium difference. Just remember that comparing a large number of companies helps you find lower pricing.

Discounts mean cheaper Suzuki Grand Vitara insurance rates

Companies don’t always publicize every available discount very well, so we took the time to find both well-publicized and the more hidden discounts you could be receiving.

  • Passive Restraints – Factory air bags or automatic seat belts can get savings of up to 25% or more.
  • Low Mileage – Fewer annual miles on your Suzuki can earn a substantially lower rate.
  • College Student – Any of your kids who live away from home and do not have a car may be able to be covered for less.
  • Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class if it’s offered in school.
  • Anti-theft System – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Accident Forgiveness – A handful of insurance companies allow you one accident before hitting you with a surcharge so long as you haven’t had any claims for a particular time prior to the accident.
  • Paperless Signup – A few companies will give a small break simply for signing over the internet.
  • Payment Discounts – If you pay your bill all at once instead of paying each month you could save up to 5%.
  • Early Signing – Select companies give a discount for switching policies before your current policy expires. This can save 10% or more.
  • Defensive Driving Course – Successfully completing a course teaching defensive driving skills can save you 5% or more if you qualify.

It’s important to understand that some of the credits will not apply to all coverage premiums. A few only apply to the cost of specific coverages such as liability, collision or medical payments. So even though it sounds like all the discounts add up to a free policy, insurance coverage companies aren’t that generous.

To see a list of insurance companies with the best insurance coverage discounts, click this link.

Tailor your coverage to you

When choosing the best car insurance coverage for your personal vehicles, there really is not a single plan that fits everyone. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions may help you determine whether you could use an agent’s help.

  • Is a new car covered when I drive it off the dealer lot?
  • Is business equipment covered while in my vehicle?
  • When should my teen driver be added to my policy?
  • Is my dog or cat covered if injured in an accident?
  • Am I covered if I wreck a rental car?
  • Is upholstery damage covered by car insurance?
  • Do all my vehicles need collision coverage?

If you can’t answer these 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, take a second and complete this form or you can go here for a list of companies in your area.

Factors influencing Suzuki Grand Vitara insurance rates

An important part of buying insurance is that you know the rating factors that come into play when calculating the price you pay for car insurance. Understanding what controls the rates you pay helps enable you to make changes that will entitle you to much lower annual insurance costs.

  • Pay less if you’re married – Having a spouse can actually save you money on your policy. Having a spouse usually means you are more responsible and it’s statistically proven that married couples file fewer claims.
  • Do you work long hours in a high stress job? – Occupations such as real estate brokers, business owners and stock brokers tend to pay the highest rates attributed to job stress and long work hours. On the other hand, professions such as pilots, students and the unemployed have the lowest average rates on Grand Vitara insurance.
  • Sex matters – Statistics have proven that men are more aggressive behind the wheel. However, don’t assume that men are worse drivers. Men and women cause accidents in similar percentages, but the males cause more damage and cost insurance companies more money. They also get cited for more serious violations such as reckless driving.
  • An active claims history can cost you – If you frequently file small claims, you can pretty much guarantee higher rates. Companies provide better rates to people who file claims infrequently. Insurance coverage is meant to be used in the event of the large, substantial claims.
  • Older drivers pay less – Older drivers are more responsible, tend to file fewer claims and tend to be better behind the wheel. Teen drivers have a tendency to be more careless behind the wheel and because of this, their car insurance rates are much higher.

Save 15 percent in 15 minutes? Is it for real?

State Farm and Allstate continually stream television and radio advertisements. All the companies make an identical promise of big savings after switching your policy. How do they all say the same thing?

All companies are able to cherry pick for the type of driver that makes them money. For instance, a profitable customer could possibly be over the age of 40, owns a home, and drives less than 7,500 miles a year. A driver who meets those qualifications will get very good rates and is almost guaranteed to save a lot of money.

Potential customers who are not a match for the “perfect” profile will be quoted higher prices which leads to the driver buying from a lower-cost company. The ad wording is “customers that switch” not “everyone that quotes” save that kind of money. This is how companies can advertise the savings. This emphasizes why it is so important to compare many company’s rates. It’s impossible to know the company that will give you the biggest savings on Suzuki Grand Vitara insurance.

The coverage is in the details

Understanding the coverages of a auto insurance policy can be of help when determining the right coverages and proper limits and deductibles. Auto insurance terms can be impossible to understand and even agents have difficulty translating policy wording. Below you’ll find the normal coverages found on most auto insurance policies.

Medical costs insurance

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like nursing services, hospital visits, funeral costs, chiropractic care and ambulance fees. They are often used in conjunction with a health insurance plan or if you do not have health coverage. They cover you and your occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state and gives slightly broader coverage than med pay

Comprehensive or Other Than Collision

This pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage pays for things such as fire damage, hitting a deer, rock chips in glass and damage from flooding. The highest amount a auto insurance company will pay at claim time is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Collision coverage

This pays for damage to your Grand Vitara resulting from a collision with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as colliding with another moving vehicle, sustaining damage from a pot hole, driving through your garage door and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are 8 years or older. It’s also possible to raise the deductible to save money on collision insurance.

UM/UIM Coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. Covered claims include hospital bills for your injuries and damage to your 2004 Suzuki Grand Vitara.

Since a lot of drivers have only the minimum liability required by law, it only takes a small accident to exceed their coverage. This is the reason having UM/UIM coverage is very important.

Liability auto insurance

Liability insurance protects you from damages or injuries you inflict on other people or property. This insurance protects YOU against other people’s claims. Liability doesn’t cover your own vehicle damage or injuries.

Liability coverage has three limits: bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show limits of 50/100/50 that means you have a limit of $50,000 per injured person, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability insurance covers things such as attorney fees, pain and suffering, emergency aid, bail bonds and repair bills for other people’s vehicles. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

A little work can save a LOT of money

In this article, we presented many tips how you can reduce 2004 Suzuki Grand Vitara insurance prices online. The key thing to remember is the more times you quote, the higher the chance of saving money. Consumers may even find the lowest premiums are with an unexpected company. Smaller companies may cover specific market segments cheaper than their larger competitors like State Farm or Progressive.

While you’re price shopping online, never buy poor coverage just to save money. There are a lot of situations where an accident victim reduced uninsured motorist or liability limits and learned later that the few dollars in savings costed them thousands. Your strategy should be to find the BEST coverage at a price you can afford while still protecting your assets.

Other resources