2006 Suzuki XL-7 Car Insurance Quotes – 10 Discounts for Cheapest Rates

Want better auto insurance rates for your Suzuki XL-7? Trying to find better insurance prices for a Suzuki XL-7 can be difficult, but you can follow the following methods and make it easy. There is a right way and a wrong way to compare auto insurance rates and you need to know the proper way to get price quotes on a Suzuki and obtain the best price possible.

If you have a policy now or are shopping for new coverage, you will benefit by learning to reduce the price you pay and still get good coverage. Shopping for more affordable insurance coverage is not that difficult. Vehicle owners just need to learn the best way to compare prices over the internet.

How to Compare Insurance Coverage Rates

Finding lower insurance coverage rates is a fairly straight forward process. All that’s required is to spend a little time comparing price quotes online from several insurance companies. This is very easy and can be done in several different ways.

The fastest way to compare a lot of rates at once is a comparison rater form like this one (opens in new window). This form prevents you from having to do boring form submissions to each individual insurance coverage company. One simple form gets you coverage quotes from several companies. It’s the fastest way to compare.

A different way to find lower rates consists of visiting each company website to request a price quote. For sake of this example, we’ll pretend you want to compare Progressive, Safeco and State Farm. To get rate quotes you would need to spend time on each company’s site to enter your coverage information, and that’s why the first method is more popular.

For a handy list of car insurance company links in your area, click here.

The most time-consuming method to get comparison rates is to spend your day driving to and from local insurance agencies. Buying insurance online has reduced the need for local agents unless you want the trained guidance of a local agent. However, consumers can obtain prices from the web and still use a local agent and we’ll talk about that later.

Which method you use is up to you, but double check that you are using apples-to-apples deductibles and coverage limits on every quote. If you are comparing different liability limits it’s impossible to truly determine the lowest rate.

Discounts mean cheaper Suzuki XL-7 insurance rates

Companies that sell car insurance don’t always publicize all their discounts very well, so here is a list both the well known and the harder-to-find discounts you could be receiving. If you don’t get every credit you qualify for, you are throwing money away.

  • Paperless Signup – A handful of insurance companies may give you up to $50 for buying your policy on their website.
  • Low Mileage Discounts – Fewer annual miles on your Suzuki can earn discounted rates on garaged vehicles.
  • Sign Early and Save – Select companies give a discount for buying a policy before your current policy expires. It can save you around 10%.
  • Multiple Cars – Insuring all your vehicles on one policy could earn a price break for each car.
  • Accident Free – Drivers with accident-free driving histories can save substantially compared to bad drivers.
  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • College Student – Youth drivers who attend school more than 100 miles from home and do not have a car may qualify for this discount.
  • Theft Prevention System – Anti-theft and alarm systems prevent vehicle theft and qualify for as much as a 10% discount.
  • 55 and Retired – Mature drivers may qualify for a discount up to 10% for XL-7 coverage.
  • Braking Control Discount – Cars that have steering control and anti-lock brakes prevent accidents and therefore earn up to a 10% discount.

A little note about advertised discounts, most discount credits are not given to the overall cost of the policy. Some only reduce the cost of specific coverages such as comp or med pay. Just because it seems like having all the discounts means you get insurance for free, it doesn’t quite work that way.

To see a list of insurance companies with the best car insurance discounts, click here.

Tailor your coverage to you

When it comes to buying coverage, there is no “perfect” insurance plan. Everyone’s situation is unique.

For instance, these questions can aid in determining if you will benefit from professional help.

  • Is a blown tire covered by insurance?
  • Can I still get insurance after a DUI?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • How many claims can I have before being cancelled?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • Do I have coverage when making deliveries for my home business?

If you can’t answer these questions but one or more may apply to you, you may need to chat with a licensed insurance agent. If you want to speak to an agent in your area, complete this form. It’s fast, free and can provide invaluable advice.

Coverage specifics

Knowing the specifics of insurance helps when choosing appropriate coverage and the correct deductibles and limits. Insurance terms can be impossible to understand and coverage can change by endorsement.

Medical expense insurance – Coverage for medical payments and/or PIP kick in for expenses for things like chiropractic care, pain medications, hospital visits and rehabilitation expenses. The coverages can be used to fill the gap from your health insurance program or if you are not covered by health insurance. Medical payments and PIP cover not only the driver but also the vehicle occupants as well as getting struck while a pedestrian. PIP coverage is not an option in every state but can be used in place of medical payments coverage

Collision coverages – This will pay to fix damage to your XL-7 resulting from a collision with another vehicle or an object, but not an animal. You first must pay a deductible then your collision coverage will kick in.

Collision insurance covers things such as rolling your car, backing into a parked car, driving through your garage door and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. You can also choose a higher deductible to get cheaper collision coverage.

Liability – Liability coverage can cover damage or injury you incur to other people or property in an accident. It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have $50,000 bodily injury coverage, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability insurance covers claims like emergency aid, legal defense fees, repair bills for other people’s vehicles and medical expenses. How much liability should you purchase? That is up to you, but buy as much as you can afford.

Comprehensive (Other than Collision) – This pays to fix your vehicle from damage from a wide range of events other than collision. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers claims like theft, damage from getting keyed and hitting a deer. The maximum payout you can receive from a comprehensive claim is the market value of your vehicle, so if the vehicle’s value is low it’s probably time to drop comprehensive insurance.

Protection from uninsured/underinsured drivers – This coverage provides protection from other motorists when they either have no liability insurance or not enough. Covered losses include injuries sustained by your vehicle’s occupants and also any damage incurred to your Suzuki XL-7.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. For this reason, having high UM/UIM coverages should not be overlooked.

Pennies from heaven

Throughout this article, we presented quite a bit of information on how to compare 2006 Suzuki XL-7 insurance prices online. The key thing to remember is the more quotes you get, the better likelihood of reducing your rate. You may even discover the best price on car insurance is with some of the lesser-known companies.

Discount insurance is available online in addition to many insurance agents, and you should be comparing both in order to have the best price selection to choose from. Some companies do not provide the ability to get a quote online and many times these smaller companies only sell through independent insurance agents.

Drivers change insurance companies for a number of reasons such as high rates after DUI convictions, denial of a claim, questionable increases in premium or an unsatisfactory settlement offer. Regardless of your reason for switching companies, finding a new car insurance company is not as hard as you think.

Helpful resources