Vehicles > Suzuki > Grand Vitara

Suzuki Grand Vitara Insurance Cost

Comparing auto insurance by quoting online saves time, is easy to do and at the same time you might just save a little. The key to finding lower rates is to compare as many rate quotes as possible so you can compare the lowest rate quotes.

Using the web to shop for auto insurance direct is challenging if you are a beginner to online rate quotes. But don't let that discourage you because comparing prices is actually very simple. Lowering your Grand Vitara insurance rates is a fairly straight forward process. You just need to take a few minutes to get quotes online from several insurance companies. This can be done by visiting this page.

What factors determine the rate you pay?

Auto insurance rates for a Suzuki Grand Vitara will vary greatly and are calculated by many factors. Taken into consideration are:

  • Tickets increase premiums
  • Your credit history
  • Men typically pay more than women
  • Higher deductibles save money
  • Your vehicle's safety rating
  • Claims drive up premiums
  • No coverage lapses saves money
  • Whether you rent or own your home

A final factor that can impact Grand Vitara insurance cost is the model year. A newer vehicle have a higher value in comparison to later models so the costs to repair will push premiums up. Conversely, more recent Suzuki vehicles may have a trim level with safety features such as lane departure warning system, anti-lock brakes, and adaptive headlights so those may provide discounts that lower premiums.

To get a better idea how rates are influenced for your specific model year, select the year of your vehicle from available model years below.

Liability coverages

This will cover damages or injuries you inflict on other people or property. Liability insurance covers things such as emergency aid, pain and suffering, and medical services. It is cheap coverage so consider buying as much as you can afford.

Collision insurance

This coverage will pay to fix damage to your Suzuki caused by collision with an object or car. You have to pay a deductible then the remaining damage will be paid by your insurance company. Grand Vitara collision insurance is rather expensive coverage, so analyze the benefit of dropping coverage from vehicles that are older. Another option is to bump up the deductible to bring the cost down.

Comprehensive coverages

Comprehensive insurance will pay to fix damage that is not covered by collision coverage. You first must pay your deductible and the remainder of the damage will be paid by your Suzuki Grand Vitara comprehensive insurance. The maximum amount you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much it's not worth carrying full coverage.

Uninsured/Underinsured Motorist (UM/UIM)

This gives you protection from other drivers when they are uninsured or don't have enough coverage. Because many people only purchase the least amount of liability that is required, it only takes a small accident to exceed their coverage. So UM/UIM coverage is a good idea.

Coverage for medical payments

Personal Injury Protection (PIP) and medical payments coverage kick in for expenses (i.e. doctor visits, EMT expenses, and X-ray expenses). The coverages can be used to fill the gap from your health insurance plan or if you do not have health coverage. PIP coverage is only offered in select states but can be used in place of medical payments coverage.

How Much are Suzuki Grand Vitara Insurance Rates?