2002 Suzuki Vitara Insurance Cost – 5 Savings Tips

Searching for the cheapest car insurance over the internet can be somewhat difficult for beginners to buying insurance on the web. With such a large number of choices, how can consumers have a chance to compare every one to find the best pricing?

Free Quotes for Insurance

All major insurance companies quote coverage price quotes online. Getting online quotes is pretty painless as you simply type in your coverage information as detailed in the form. After you submit the form the system pulls your credit score and driving record and returns a price quote determined by many factors.

This streamlines rate comparisons, but the time it takes to visit multiple sites and fill out multiple forms can get tiresome after awhile. But it is imperative to perform this step if you are searching for better prices.

The better way to compare rates

The quickest way to find cheaper rates uses one form that obtains quotes from a bunch of companies at once. The form is fast, reduces the work, and makes online quotes much more efficient. As soon as you send your information, it is rated and you can select any one of the quotes that you receive. If one or more price quotes are lower than your current rates, it’s easy to complete the application and purchase the new policy. This process only takes a few minutes and could lower your rates considerably.

To compare pricing, click here to open in new window and submit the form. If you have coverage now, it’s recommended you enter the coverage information just like they are on your policy. Doing this assures you will receive rate comparison quotes based on similar coverages.

Discounts on 2002 Suzuki Vitara insurance

Car insurance companies don’t always advertise every discount very well, so we took the time to find some of the best known and the harder-to-find savings tricks you should be using.

  • Pay Now and Pay Less – By paying your policy upfront instead of paying each month you could save 5% or more.
  • Accident Waiver – Some insurance companies allow you one accident before hitting you with a surcharge if your claims history is clear for a certain period of time.
  • Life Insurance – Larger companies have a break if you buy auto and life insurance together.
  • Seat Belts Save more than Lives – Using a seat belt and requiring all passengers to use a seat belt could save 15% off your PIP or medical payments premium.
  • Early Signing – A few companies offer discounts for switching policies prior to your current policy expiring. This can save 10% or more.

A little note about advertised discounts, some of the credits will not apply to your bottom line cost. Most only apply to the price of certain insurance coverages like comp or med pay. So despite the fact that it appears adding up those discounts means a free policy, you’re out of luck.

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

Tailor your coverage to you

When it comes to buying coverage for your personal vehicles, there is no perfect coverage plan. Everyone’s needs are different.

For example, these questions may help you determine if you might need professional guidance.

  • Is upholstery damage covered by car insurance?
  • Are my friends covered when driving my car?
  • Am I covered if my car is in a flood?
  • How much liability coverage do I need in my state?
  • Can I still get insurance after a DUI?
  • Are rental cars covered under my policy?
  • Is my camper covered by my car insurance policy?
  • Should I have a commercial auto policy?
  • When does my teenage driver need to be added to my policy?

If it’s difficult to answer those questions, then you may want to think about talking to a licensed insurance agent. To find lower rates from a local agent, fill out this quick form.

Insurance specifics

Understanding the coverages of insurance helps when choosing which coverages you need at the best deductibles and correct limits. Insurance terms can be ambiguous and coverage can change by endorsement.

Collision protection

This pays to fix your vehicle from damage from colliding with a stationary object or other vehicle. You first must pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage protects against claims such as crashing into a building, driving through your garage door, rolling your car, crashing into a ditch 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. Drivers also have the option to choose a higher deductible to save money on collision insurance.

Uninsured/Underinsured Motorist (UM/UIM)

Your UM/UIM coverage provides protection from other drivers when they do not carry enough liability coverage. It can pay for injuries to you and your family as well as damage to your Suzuki Vitara.

Due to the fact that many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Auto liability

Liability insurance can cover damages or injuries you inflict on other people or property that is your fault. Coverage consists of three different limits, per person bodily injury, per accident bodily injury, and a property damage limit. You commonly see limits of 25/50/25 that translate to $25,000 in coverage for each person’s injuries, a per accident bodily injury limit of $50,000, and property damage coverage for $25,000.

Liability coverage protects against things such as court costs, structural damage and bail bonds. How much liability coverage do you need? That is up to you, but consider buying as high a limit as you can afford.

Comprehensive insurance

Comprehensive insurance coverage pays for damage OTHER than collision with another vehicle or object. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.

Comprehensive insurance covers things like a tree branch falling on your vehicle, rock chips in glass and damage from flooding. The maximum payout a insurance company will pay at claim time is the actual cash value, 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)

Med pay and PIP coverage pay for short-term medical expenses for things like EMT expenses, pain medications, nursing services and surgery. They are often used to cover expenses not covered by your health insurance policy or if you are not covered by health insurance. Medical payments and PIP cover you and your occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not available in all states and gives slightly broader coverage than med pay

Buy online or local, you save

We’ve covered a lot of ways to lower your 2002 Suzuki Vitara insurance rates. The key concept to understand is the more quotes you get, the better chance you’ll have of finding lower rates. Consumers could even find that the lowest rates come from a smaller regional carrier.

Cost effective insurance can be purchased both online and with local insurance agents, so you should compare both in order to have the best chance of saving money. Some car insurance companies do not offer the ability to get a quote online and these regional insurance providers work with independent agents.

People change insurance companies for many reasons like high rates after DUI convictions, denial of a claim, high prices or not issuing a premium refund. Regardless of your reason for switching companies, choosing a new company is not as difficult as it may seem.

Additional information can be found at the links below