2006 Suzuki XL7 Insurance Cost – 8 Savings Tips

Want the cheapest auto insurance rates for your Suzuki XL7? Price shopping your auto insurance can be difficult for beginners to shopping for insurance online. Drivers have so many options available that it can turn into a big hassle to find lower rates.

Which Insurance is Cheapest?

There are several ways of comparing rate quotes from local insurance companies. The easiest way to compare 2006 Suzuki XL7 insurance prices is simply to get online rate quotes. This can be accomplished in just a few minutes using one of these methods.

The most efficient way consumers can make multiple comparisons is an all-inclusive rate comparison click here to open form in new window. This form eliminates the need for a different quote to each individual insurance company. A single, simple form will get you price quotes from multiple companies. Recommended for those who want to invest the least amount of time.

A different way to analyze rates is spending the time to visit the website for each individual company to complete a price quote. For example, let’s assume you want rates from State Farm, Esurance and Travelers. To find out each rate you need to visit each site to enter your coverage information, which is why the first method is quicker. For a list of links to insurance companies in your area, click here.

The least recommended way of comparing rate quotes is to drive around to local insurance agencies. The internet has reduced the need for local agents unless you require the professional advice of a local agent. You can, however, comparison shop your insurance online but still have the advice of a local agent and we’ll cover that in a bit.

However you get your quotes, double check that you are using the exact same coverage limits and deductibles for every quote you compare. If you have different limits and deductibles on each one it will be very difficult to determine the lowest rate for your Suzuki XL7. Slightly different insurance coverages may result in large price differences. And when quoting insurance, remember that comparing more company’s prices provides better odds of finding the best offered rates.

Do you qualify for these eight discounts?

The price of auto insurance can be rather high, but there are discounts available that many people don’t even know exist. Larger premium reductions will be automatically applied at the time you complete a quote, but some must be inquired about prior to receiving the credit.

  • Multiple Cars – Having all your vehicles on one policy qualifies for this discount.
  • Paperless Signup – Some insurance companies will give a small break just for signing your application over the internet.
  • Senior Discount – Older drivers may qualify for a small decrease in premiums on XL7 insurance.
  • Bundle and Save – If you have multiple policies with one company you could get a discount of up to 20% off your total premium.
  • Distant Student – Any of your kids who live away from home without a vehicle on campus may qualify for this discount.
  • Service Members Pay Less – Being deployed with a military unit may qualify for rate reductions.
  • Accident Free – Drivers with accident-free driving histories pay less when compared with frequent claim filers.
  • Accident Forgiveness – A few companies permit an accident before raising your premiums as long as you don’t have any claims for a certain period of time.

It’s important to note that most discounts do not apply to the entire policy premium. A few only apply to individual premiums such as comprehensive or collision. So despite the fact that it appears it’s possible to get free car insurance, it just doesn’t work that way. But any discount will help reduce your premiums.

Insurance companies that may offer these benefits include:

Check with every prospective company which discounts you may be entitled to. All car insurance discounts might not be offered in your area.

Don’t assume everyone needs the same coverage

When buying proper insurance coverage, there really is not a cookie cutter policy. Every insured’s situation is different.

Here are some questions about coverages that might point out if your insurance needs could use an agent’s help.

  • Am I better off with higher deductibles on my 2006 Suzuki XL7?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • At what point should I drop full coverage?
  • What is PIP insurance?
  • Do I have coverage when making deliveries for my home business?
  • Who is covered by my policy?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to an agent. If you want to speak to an agent in your area, complete this form.

Specific coverage details

Knowing the specifics of auto insurance can be of help when determining appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Suzuki XL7.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage should not be overlooked. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Collision protection

This pays for damage to your XL7 caused by collision with another car or object. You have to pay a deductible and then insurance will cover the remainder.

Collision insurance covers claims like hitting a mailbox, crashing into a ditch, backing into a parked car, crashing into a building and hitting a parking meter. Paying for collision coverage can be pricey, so you might think about dropping it from vehicles that are 8 years or older. You can also raise the deductible to get cheaper collision coverage.

Liability insurance

Liability coverage will cover injuries or damage you cause to other people or property that is your fault. This coverage protects you from legal claims by others, and does not provide coverage for your own vehicle damage or injuries.

Coverage consists of three different limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You commonly see policy limits of 100/300/100 which means a $100,000 limit per person for injuries, a total of $300,000 of bodily injury coverage per accident, and a limit of $100,000 paid for damaged property. Occasionally you may see one number which is a combined single limit which combines the three limits into one amount without having the split limit caps.

Liability coverage protects against claims such as repair costs for stationary objects, pain and suffering, structural damage, medical services and funeral expenses. How much liability should you purchase? That is a personal decision, but consider buying higher limits if possible.

Comprehensive insurance

Comprehensive insurance pays to fix your vehicle from damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things like hitting a deer, vandalism and fire damage. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage reimburse you for bills such as dental work, ambulance fees and chiropractic care. They are often utilized in addition to your health insurance program or if you do not have health coverage. It covers not only the driver but also the vehicle occupants in addition to if you are hit as a while walking down the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay