Lower Your 1999 Suzuki Vitara Insurance Cost

Expensive insurance can empty your savings account and force you to prioritize other expenses. Comparing price quotes is free, only takes a few minutes, and is a good way to make sure you’re not throwing money away.

There is such a variety of car insurance companies to pick from, and even though it’s nice to have multiple companies, so many choices can make it hard to compare company pricing.

How to Compare Insurance Costs

The are a couple different ways to compare rate quotes from local insurance companies. The easiest way to compare 1999 Suzuki Vitara insurance prices consists of obtaining rate quotes online. It is quite easy and can be accomplished in a couple of different ways.

The first (and easiest) way to get quotes for comparison is an all-inclusive rate comparison click here to open form in new window. This form prevents you from having to do multiple quote forms for each company you want a rate for. One form will return price quotes from multiple companies.

A more time consuming way to compare prices consists of visiting each company website to complete a price quote. For examples sake, let’s say you want to compare USAA, Liberty Mutual and Geico. To find out each rate you need to go to every website to enter your coverage information, which is why most consumers use the first method.

To view a list of companies in your area, click here.

It’s up to you how you get prices quotes, just make absolute certain that you use exactly the same coverage limits and deductibles for each comparison quote. If your comparisons have differing limits you can’t possibly make a fair comparison for your Suzuki Vitara. Quoting even small variations in limits can result in a big premium difference. And when price shopping your coverage, obtaining a wide range of quotes will improve the odds of getting better pricing.

You probably qualify for some discounts

Companies do not advertise every discount in a way that’s easy to find, so we took the time to find both well-publicized and the more hidden savings tricks you should be using.

  • Air Bag Discount – Vehicles with factory air bags and/or automatic seat belt systems can get savings of 20% or more.
  • Safe Driver Discount – Drivers who avoid accidents may receive a discount up to 45% less on Vitara insurance than their less cautious counterparts.
  • New Vehicle Savings – Adding a new car to your policy can be considerably cheaper since new cars are generally safer.
  • Pay Upfront and Save – If paying your policy premium upfront instead of paying each month you may reduce your total bill.
  • Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
  • Resident Student – Youth drivers who attend school more than 100 miles from home without a vehicle on campus can receive lower rates.
  • Senior Discount – Older drivers can possibly qualify for reduced rates on Vitara insurance.
  • Good Student Discount – A discount for being a good student can get you a discount of up to 25%. The discount lasts up to age 25.
  • Student Driver Training – Make teen driver coverage more affordable by requiring them to enroll in driver’s education if offered at their school.
  • No Claims – Good drivers with no accidents can save substantially as compared to frequent claim filers.

Keep in mind that some credits don’t apply to the overall cost of the policy. Some only reduce specific coverage prices like comp or med pay. Just because it seems like it’s possible to get free car insurance, you’re out of luck.

For a list of insurance companies with the best auto insurance discounts, click here.

Pieces of the Suzuki Vitara insurance rate puzzle

Smart consumers have a good feel for some of the elements that play a part in calculating auto insurance rates. Having a good understanding of what influences your rates allows you to make educated decisions that could result in much lower annual insurance costs.

  • Safe vehicles cost less to insure – Safer cars tend to have better insurance rates. These vehicles result in less severe injuries and any reduction in injury severity means less money paid by your insurance company and lower rates for you. If the Suzuki Vitara is rated at least four stars on Safercar.gov it is probably cheaper to insure.
  • Do you know you’re credit rating? – Having a bad credit score is a important factor in calculating your auto insurance rates. If your credit score is lower than you’d like, you could potentially save money when insuring your 1999 Suzuki Vitara by spending a little time repairing your credit. Drivers who have high credit scores tend to be better drivers and file fewer claims as compared to drivers with poor credit.
  • Special features that cut premiums – Driving a car with a theft deterrent system can get you a discount on your auto insurance. Theft prevention features such as LoJack tracking devices, vehicle tamper alarm systems or GM’s OnStar system all hinder your car from being stolen.
  • Do you have a high stress job? – Occupations such as judges, executives and dentists have the highest average rates due to job stress and lots of time spent at work. Other occupations like scientists, historians and the unemployed get better rates on Vitara insurance.
  • Too many auto insurance claims drive up costs – If you file claims often, you can look forward to higher rates. Car insurance companies award discounts to people who do not rely on their insurance for small claims. Insurance coverage is meant to be used in the event of larger claims.

There’s no such thing as the perfect policy

When buying coverage, there really is not a perfect coverage plan. Every insured’s situation is different and your policy should reflect that. For instance, these questions could help you determine if your insurance needs will benefit from professional help.

  • Is my nanny covered when driving my vehicle?
  • Are there companies who specialize in insuring high-risk drivers?
  • I have a DUI can I still get coverage?
  • Should I bundle my homeowners policy with my auto?
  • Should I buy more coverage than the required minimum liability coverage?
  • Am I covered if I break a side mirror?
  • Do I need rental car coverage?
  • How can I get high-risk coverage after a DUI?

If you’re not sure about those questions, you might consider talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form or you can go here for a list of companies in your area.

Are auto insurance companies telling the truth?

Companies like Allstate, Geico and Progressive regularly use television and radio advertisements. All the ads have a common claim about savings if you move to them. How do they all make almost identical claims? It’s all in the numbers.

All the different companies can use profiling for the right customer that makes them money. An example of a preferred risk could possibly be over the age of 50, is a homeowner, and has great credit. Any new insured who matches those parameters will get the preferred rates and most likely will pay quite a bit less when switching companies.

Potential customers who are not a match for the requirements must pay more money which usually ends up with business not being written. The ads state “customers that switch” not “everybody who quotes” save money. This is how insurance companies can claim big savings. This illustrates why it’s extremely important to quote coverage with many companies. It’s just too difficult to predict which company will give you the biggest savings on Suzuki Vitara insurance.

Insurance coverages 101

Having a good grasp of your policy helps when choosing appropriate coverage for your vehicles. Policy terminology can be impossible to understand and coverage can change by endorsement. Shown next are typical coverage types offered by insurance companies.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Suzuki Vitara.

Due to the fact that many 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 should not be overlooked.

Auto collision coverage

This covers damage to your Vitara resulting from a collision with an object or car. A deductible applies and the rest of the damage will be paid by collision coverage.

Collision insurance covers claims such as hitting a parking meter, sustaining damage from a pot hole, driving through your garage door, colliding with a tree and sideswiping another vehicle. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. You can also increase the deductible to save money on collision insurance.

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 the remaining damage will be covered by your comprehensive coverage.

Comprehensive can pay for things like rock chips in glass, falling objects and damage from flooding. The highest amount your insurance company will pay is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s probably time to drop comprehensive insurance.

Med pay and Personal Injury Protection (PIP)

Personal Injury Protection (PIP) and medical payments coverage pay for expenses like rehabilitation expenses, funeral costs, pain medications and surgery. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. They cover not only the driver but also the vehicle occupants in addition to being hit by a car walking across the street. Personal Injury Protection is not an option in every state but can be used in place of medical payments coverage

Liability insurance

This coverage will cover damages or injuries you inflict on people or other property by causing an accident. It protects you against claims from other people, and doesn’t cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see values of 100/300/100 which means $100,000 in coverage for each person’s injuries, a total of $300,000 of bodily injury coverage per accident, and $100,000 of coverage for damaged propery.

Liability coverage protects against things such as emergency aid, repair bills for other people’s vehicles, medical services and funeral expenses. The amount of liability coverage you purchase is your choice, but consider buying as high a limit as you can afford.

What is YOUR best insurance company?

Cheap 1999 Suzuki Vitara insurance is possible from both online companies in addition to many insurance agents, so you should compare 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 usually these regional insurance providers provide coverage only through local independent agents.

We just showed you a lot of techniques to lower your insurance rates. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. You may even find the lowest priced auto insurance comes from an unexpected company. These companies often have lower prices on specific markets compared to the large companies like Allstate and Progressive.

As you restructure your insurance plan, do not buy less coverage just to save a little money. There are a lot of situations where an accident victim reduced comprehensive coverage or liability limits only to find out that the few dollars in savings costed them thousands. The ultimate goal is to buy enough coverage at a price you can afford.

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